Search found 82 matches

by rg422
Tue Nov 19, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Car negotiation question
Replies: 52
Views: 4211

Re: Car negotiation question

Aside from the above recommendations, I would go in prepared to say NO to multiple warranty offers (paint protection, extended warranty, etc).
by rg422
Thu Nov 07, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord & Live Television
Replies: 45
Views: 3073

Re: Cutting the Cord & Live Television

After DirectTV cut a few of the channels we normally watched, we cut the cord with them. Now we use a Firestick and have access to Netflix and Youtube (this actually has a surprising amount of great material). Surprisingly, we don't miss watching any live shows.
by rg422
Mon Sep 30, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: When and should I buy dream car? 1997 Toyota Supra
Replies: 38
Views: 3026

Re: When and should I buy dream car? 1997 Toyota Supra

Car guy here, as well (I currently own a 94 Alpine/black TT with 65K miles) and speak from experience. No argument that buying such car makes little financial sense, but if you can sustain your savings rate, you'll be fine long term. Mine makes a bit more power than stock, but if you were looking to...
by rg422
Tue Sep 17, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11732

Re: How do you spend money to gain time? (young family)

We have 3 young ones, both wife and I are FTE. We have a cleaning person who comes 2-3 times a month. Well worth it for us, as it saves us a lot of free time. Same with lawn care q 2 weeks.
by rg422
Thu Sep 05, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Pre-paid Funeral Expenses
Replies: 66
Views: 4063

Re: Pre-paid Funeral Expenses

Ironically, Amazon also sells caskets....
by rg422
Tue May 21, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 14959

Re: Should I encourage my kids to work in high school/college?

For my wife and I, when the time comes, we will encourage our kids to work a little bit when in high school/college, as long as it doesn’t interfere with their schooling and hopefully minimize exposure to potential teenage ‘trouble’. My parents moved our family to the US in the 90s. They were/are ha...
by rg422
Fri Jan 11, 2019 3:42 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 219
Views: 20263

Re: Biggest Investment Mistake

Biggest mistake would be not starting early enough. We had the income to max out our 401Ks and ROTH out of college, however we were young and spent every dollar we earned (granted we did buy our home at the bottom of the market and drove nice cars. :oops: ). It was actually this site that turned us...
by rg422
Fri Jan 11, 2019 12:10 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 219
Views: 20263

Re: Biggest Investment Mistake

Biggest mistake would be not starting early enough. We had the income to max out our 401Ks and ROTH out of college, however we were young and spent every dollar we earned (granted we did buy our home at the bottom of the market and drove nice cars. :oops: ). It was actually this site that turned us ...
by rg422
Tue Jan 08, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 14366

Re: Recommendations for a 9mm handgun

CZ Tactical Sport Orange or a Sig P210 both available in 9mm. Both will make a novice shooter look good at the range. 8-)

On a serious note, I completely agree with everyone's recommendation to visit a gun range/store where you can actually rent the guns you like/comfortable with.
by rg422
Fri Dec 07, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 6623

Re: portable jump starters

Be sure to get one that's rated for your vehicle. Bigger engines/higher compression requires a much higher CCA, especially if the vehicle's battery is completely drained.
by rg422
Thu Dec 06, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2434

Re: California 8 days road trip LA-SFO

There's a few nice hotels along Moonstone Beach in Cambria. The town of Cambria itself is tiny, but we always enjoy our little getaways there.
by rg422
Fri Nov 09, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 1018

Re: HIPAA Information available to out of town ER or not?

By giving consent, it may make things easier, however under the HIPAA exclusion rule, a provider will disclose your protected health information if it's being utilized for treatment, payment and/or healthcare operations.
by rg422
Mon Aug 13, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3795

Re: Cleaning gas grill

Definitely brush the grates right after grilling while it's still hot. Buildup is much easier to remove.
by rg422
Fri Aug 10, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2788

Re: Buying used car - advice requested

Given those choices, I personally would get the Prius. However, for the price of the Prius, you're pretty close to the price of a new Civic if you do some haggling.
by rg422
Fri Aug 03, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14481

Re: Is solar power for your home a worthwhile investment?

For us it was well worth it, but it seems it depends on your location. Calculations showed that our break even point was 7-8 years. It gets super hot around here in the summer, so both AC units use up a lot of electricity. On top of that, you'd be surprised how much electricity a pool pump uses. Bes...
by rg422
Mon Jun 25, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 484
Views: 55932

Re: What is/ was your career and would you recommend it now?

Registered nurse. Tons of opportunities and would recommend still recommend it to anyone looking into this path. I started working on the clinical floor, however I was given the opportunity for a 'desk' job helping our docs with their documentation for improved reimbursement, treatment, etc. Aside f...
by rg422
Tue Jun 05, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 8610

Re: Is our monthly Personal money out of line?

Wife and I do something similar. We each get about $500/month to spend on 'wants'; we max out our 401Ks, backdoor ROTHS, HSA, we contribute plenty to our kids' 529s and put in to our taxable. It's a great balance for us and has worked well. Could we save more for retirement, sure, but there are cert...
by rg422
Wed May 30, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Help Me Negotiate My Residential Solar System
Replies: 8
Views: 872

Re: Help Me Negotiate My Residential Solar System

$2.89 is a great price for the area. I reside in the Central Valley Ca, as well, and paid $3.25 3.5 years ago, though our system uses microinverters.
by rg422
Wed May 23, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Negotiating for Residential Solar
Replies: 11
Views: 1600

Re: Negotiating for Residential Solar

We went through this a few years ago; temps here get to 100+F during the summer months, coupled with a pool, we use quite a bit of electricity. We ultimately got bids from 4 companies (Sunpower was one of them). We then used the lowest price system ($3.50/watt) and countered each one. We then narrow...
by rg422
Fri May 11, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 2902

Re: Reccommended Minivans

Drive them all and decide which YOU like. Prior to purchasing an Odyssey back in 2014, we tested the 3 we were interested in - Odyssey, Sienna and Caravan. We ruled out the Caravan right away; to us, the interior was cheap compared to the other 2 and the transmission shifted way too much. The Sienna...
by rg422
Thu May 10, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1880

Re: Home Fire/Burglar Safe

I recently purchased a Liberty safe (USA model) and I'm happy with it and would recommend it. Great value for the money.
by rg422
Wed May 02, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 4030

Re: 401k Stable Value Fund Rates?

My 401K has the following...

Standard Stable Value Fund

YTD - 0.58%
1 year - 2.34%
3 year - 2.27%
5 year - 2.33%


ER of 0.18% and guaranteed minimum return of 1%. Rates are adjusted every 90 days.
by rg422
Tue May 01, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 35
Views: 7865

Re: Reached a minor financial milestone this month

Great work! We've got similar retirement assets, but a couple years older with a semi-retirement goal at 50.

Stay the course and you're golden.
by rg422
Tue Apr 24, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Job Interview - Send follow up email?
Replies: 16
Views: 2042

Re: Job Interview - Send follow up email?

I would definitely send an follow up email. This actually helped me land the position I currently have - I sent a follow up email to both interviewing directors. Following up lets them know that you are interested and may help you 'stand out' when there are multiple applicants.
by rg422
Mon Apr 09, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 10662

Re: Regrets of the frugal and dying?

Husband and wife nurses here. In our early years of nursing, we took care of many older folks status post elective joint replacements. Now, these patients weren't "dying", rather they were fairly healthy, but many were 60+ years old with money; many were 75+ years of age. The ones who were outspoken...
by rg422
Mon Apr 09, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 246
Views: 30055

Re: What is your AA, given your age? and, Why?

33/32. Our investments are 100% stocks - 80% US, 20% international. Our plan is to start getting into bonds once we reach 50.
by rg422
Tue Apr 03, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 7011

Re: How did you file your income taxes?

I did ours using TurboTax. 2017 was the first year we did the 'backdoor ROTH' and the tax preparer we had normally gone to did not understand nor have heard of the backdoor ROTH. Presented him, all the info he needed, but he refused to deal with it. Instead of looking for someone else in this small ...
by rg422
Fri Mar 23, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 63
Views: 11530

Re: Costco Kirkland Brand Liquor

Costco in California actually sells Kirkland brand cognac. To me, It's not as good as Hennessy XO. I don't recall the price, but it was about a 1/3 of the price of Hennessy XO, so it's definitely great value!
by rg422
Wed Mar 14, 2018 11:07 am
Forum: Personal Investments
Topic: New 401k provider/How to prevent over-contribution
Replies: 4
Views: 432

Re: New 401k provider/How to prevent over-contribution

My employer only does percent amount with 401K contributions, as well, however they automatically put a cap once $18,500 is reached.

I would verify if your company does this.
by rg422
Mon Feb 26, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 7723

Re: Favorite socks?

R-Gear drymax socks through Roadrunnersports.com I've tried many different brands and these are by far above and beyond better than anything I've tried. Look at the reviews on them. I purchased a few pairs back in black back in 2013 and they are still in great shape today and has yet to fade! These ...
by rg422
Fri Jan 26, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 6809

Re: Your favorite beach vacation destination?

JoMoney wrote:
Fri Jan 26, 2018 1:48 pm
My favorite beach? Montana de Oro.
It's not really a touristy location. Please don't go there.
Small world!! :beer

I was about to say that and Moonstone beach.
by rg422
Thu Dec 28, 2017 11:14 am
Forum: Personal Investments
Topic: What is the best current account aggregator online?
Replies: 26
Views: 5105

Re: What is the best current account aggregator online?

I don't have any experience with others, but I'm content with Fidelity's version. I'm able to see all our accounts from a few different websites without issues.
by rg422
Tue Dec 19, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 5928

Re: opinions requested on student college decision / financial related

Wife and I are both RNs, so I'll give my opinion. If I were in your position, I'd let her decided. I would, however, push for the state route assuming it leads to the same bachelor's degree. I would rather offer the difference in tuition to help her start her life after nursing school. For most posi...
by rg422
Mon Dec 18, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 29061

Re: 2nd million is easier!

Congrats on the huge accomplishment.

Thank you for sharing; keeps those like us in the beginning phases of investing optimistic/encouraged.
by rg422
Thu Dec 14, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 88
Views: 23111

Re: Honda Pilot vs Toyota Highlander?

A question for people who have tried both: Other then cosmetics (the whole "hey, it doesn't look like a minivan" factor), what are the advantages of the Highlander over the Sienna, or the Pilot over the Odyssey? In each case, the minivan appears to have more room, better gas mileage, and have a low...
by rg422
Mon Dec 11, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 88
Views: 23111

Re: Honda Pilot vs Toyota Highlander?

A bit of info worth sharing on the PIlot. My brother purchased a new 2017 Pilot Touring (45 miles on the odometer) with the 9 speed transmission. No joke, on the way home from the dealership, something went wrong with the transmission. The transmission shifted into neutral while driving on the freew...
by rg422
Mon Dec 11, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 14027

Re: 2018 financial goals - what are yours?

2017 is the first year we have maxed out our 401Ks, ROTHs and HSA (plus starting 529s for our two young daughters). Maxing these out will be our main financial goal for 2018. Hoping we can do better, though; we still spend quite a bit on 'wants' so getting this down will be another goal of ours.
by rg422
Fri Dec 08, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 4184

Re: Work from Home Jobs

You can search the job boards for remote based jobs. I found mine on Indeed.com (medical coding/auditing). I was skeptical of it, but I've been working remotely for 3 years now and loving it. Just put in "remote" in addition to the type of job you're looking for in the search bar.
by rg422
Tue Nov 21, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 6901

Re: Best auto loan rates?

Weve gotten great rates through Lightstream and PenFed. Lightstream process is so much simpler, though.
by rg422
Mon Nov 20, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 8619

Re: How much do you budget for vacation?

We set aside 10K a year for vacation/family trips (family of 4).
by rg422
Tue Nov 14, 2017 6:26 pm
Forum: Personal Investments
Topic: Rapidly pay down student loans prior to house?
Replies: 24
Views: 2273

Re: Rapidly pay down student loans prior to house?

If it was me in your shoes I'd also pay off the student loan, as well; the interest rate is just too high.
by rg422
Wed Nov 08, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Did we make it to "The 2 Comma Club"? Maybe not?
Replies: 21
Views: 4121

Re: Did we make it to "The 2 Comma Club"? Maybe not?

Congrats! Especially, considering your age.

Richard
by rg422
Wed Nov 08, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 37155

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

I'm 33 and wife is 32. 2017 is the first year we'll both max out our 401Ks, ROTH and my HSA. Our combined income could have allowed us to max these out sooner, had we not spent all our money on WANTs. :oops: All together, we should achieve our goal of 72K saved for the year. It's a great balance for...
by rg422
Tue Oct 17, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 10955

Re: What are you driving? And would you buy your current ride again?

2014 Lexus LX570
2008 Lexus IS-F

I would most definitely buy both again.
by rg422
Mon Oct 16, 2017 4:19 pm
Forum: Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 4346

Re: Joined the 1 comma club today!!!

Congrats!
by rg422
Mon Oct 16, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 11
Views: 1541

Re: good used car.

Toyota Prius can go well beyond 100K miles with regular maintenance AND get excellent MPGs.

I would at least stick to a Toyota or Honda with known service history if a Prius is not your kind of car.
by rg422
Thu Oct 12, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 7112

Re: WiFi [extender]

I installed a Netgear AC750 a few weeks back and it definitely helpeds 'extend' the wifi range/speed on the 2nd floor of our home. Downstairs, where the router is located, it's usually 150Mbps, however upstairs it gets down to about 10-25Mbps depending on location. After installing the extender, spe...
by rg422
Thu Oct 12, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 178
Views: 28722

Re: What's your asset allocation and why?

100% equities between our 401K, 403B, ROTH, HSA and taxable accounts, though we're about 30% international, overall. I'm 33 wife is 32. We
are at the beginning of the accumulation phase and have a lot of time to go before retirement.
by rg422
Thu Oct 05, 2017 12:30 pm
Forum: Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 14495

Re: Millionaire Next Door (Thank you Bogleheads)

Congrats!!

Posts like this keep us motivated. We're a long way from that number, but we're staying the course til we get there.
by rg422
Tue Oct 03, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 5751

Re: Waxing my car!

I used to be OCD about keeping our cars shiny as well, but that's changed. Now, a use a cleaner wax once a year. The key with getting a nice shine is prep work. After washing, clay bar the vehicle; you'll be amazed at how much the thing pics up! Follow this with a decent polish with an orbital until...