Search found 52 matches

by rg422
Fri Jan 26, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 5133

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: Investing - Help with Personal Investments
Topic: What is the best current account aggregator online?
Replies: 22
Views: 1472

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: 4432

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: 23905

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: 18140

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: 18140

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: 11697

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: 2973

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: 1527

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: 6357

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: Investing - Help with Personal Investments
Topic: Rapidly pay down student loans prior to house?
Replies: 24
Views: 1832

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: 3821

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: 150
Views: 14296

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: 8285

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 11:57 am
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 11
Views: 1253

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: 5380

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: 176
Views: 18576

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: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 12242

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: 4753

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...
by rg422
Fri Sep 22, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7596

Re: Negotiating for a new car purchase

Send emails to a few dealerships asking for their best OTD price. When you get responses from said dealerships, email each one back with the lowest OTD quoted asking if they can beat the price. I've used this method numerous times between us/family/friends with great success.
by rg422
Wed Sep 13, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 28515

Re: Iphone X is $1000

Anyone have any negative experience with buying a refurb directly from Apple? You get the same 1 year warranty as a new phone but save around $100 off the new price. I have. My last two Iphones were refurbs and will never settle for one again. My first refurb purchase was an IPhone 4 which kept fre...
by rg422
Thu Sep 07, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card with large cash (or cash-equivalent) sign-up bonus
Replies: 25
Views: 3302

Re: Credit card with large cash (or cash-equivalent) sign-up bonus

I received this in my email this morning..... Fine print shows you have to spend $1,000 within the first 3 months of activation to earn 50,000 points, then spend another $1,000 within 6 months to earn the next 25,000 points, for a total of 75,000 points!! No annual fee, either. http://h1.hilton.com/...
by rg422
Thu Sep 07, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 9951

Re: For those planning early retirement....

My wife and I plan to retire at 48sh; that's roughly the age when we'll meet OUR FI number; if we reach our number sooner, then we'll call it quits sooner. I work remotely, flexible schedule, so I do plan to work part time with the sole purpose of having insurance coverage - will typically take 8-10...
by rg422
Wed Sep 06, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 6387

Re: What is the main purpose of holding your current job?

2.

I enjoy what I do, however I would not do it for free, well maybe 1-2 hours a month. Haha

- Richard
by rg422
Thu Aug 24, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: 78% Americans are living from paycheck to paycheck?
Replies: 15
Views: 2295

Re: 78% Americans are living from paycheck to paycheck?

I'm usually not one to assume, but based on average household incomes, average car purchase amount, our basic consumerism mentality, etc that statistic is not hard to believe. I work in a hospital setting and I'm always amazed at the reactions when payday comes around; it's not hard to gauge who liv...
by rg422
Wed Aug 23, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Personal Loan to Repay 401k loan upon separation?
Replies: 7
Views: 669

Re: Personal Loan to Repay 401k loan upon separation?

If you opt to get a personal loan to pay off the 401K loan, another option, assuming you have a vehicle valued at or above the amount you need, is to use your car as 'collateral' with Lightstream or PenFed to get a title loan. With a high credit score, you may have the opportunity to borrow money wi...
by rg422
Mon Aug 07, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Pool Pump/Filter Trouble Shooting
Replies: 8
Views: 725

Re: Pool Pump/Filter Trouble Shooting

Sounds like a leak somewhere pre-pump. I had the same issue earlier this year and it turned out to be a crushed rubber O-ring on the pump assembly - a portion of the O-ring was out of the groove towards the bottom of the pump body.
by rg422
Fri Aug 04, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Karaoke machine/system for home use
Replies: 6
Views: 757

Re: Karaoke machine/system for home use

Magic Sing for sure!!
by rg422
Tue Jul 25, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 13235

Re: What's your personal savings rate?

Our savings rate is currently 25% (maxed out both 401Ks, backdoor ROTH, HSA, 1,00/month into taxable and 500/month into our two daughters' 529s). Three years ago, we were saving <3% :oops: and living like there's no tomorrow. Finding this site changed our perspective, to say the least. We could defi...
by rg422
Fri Mar 17, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 5557

Re: PayPal - Any Disadvantages?

Big lesson worth sharing regarding accepting payments with Paypal. If you're accepting payment for any product, ensure you are sending to the buyer's Paypal confirmed address and make sure it's "Eligible" for payment protection. I made the mistake in sending to a different address, per buyer's conve...
by rg422
Wed Mar 15, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 8957

Re: cost of Solar Power

A competent and honest solar company will provide pay back period for different PV system sizes you request. For us, it was well worth it. Our home is 2809 sq ft, built in 2007, so fairly good insulation and fairly efficient appliances. It doesn't have the best roof layout, so required a 12.2kW syst...
by rg422
Thu Feb 23, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Sleep Number Bed
Replies: 13
Views: 2230

Re: Sleep Number Bed

We were in the same scenario last year; we spent some time at the mall trying out the different models and concluded we were getting a Sleep Number bed. I did tons of online research and found a similar product at Personalcomfortbed.com. My wife and I were initially hesitant, but after reading the r...
by rg422
Wed Feb 22, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 5021

Re: Utility Bills - How do ours compare?

Electric: $0.95 just to keep account open (12.2kW solar system, but previous avg was 380 a month). Our system actually produces more than we use, so we received a small 'refund'. Interesting. Just curious, how much did it cost to install the solar system and what's the payoff period? It seems price...
by rg422
Wed Feb 22, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 9308

Re: New Boglehead Millionaire

Amazing accomplishment. Congrats!!!
by rg422
Tue Feb 21, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 5021

Re: Utility Bills - How do ours compare?

Location: Central Valley California House size: 2809 sq ft Occupants: 4 Average monthly based on full year: Electric: $0.95 just to keep account open (12.2kW solar system, but previous avg was 380 a month). Our system actually produces more than we use, so we received a small 'refund'. Gas: $60 (hig...
by rg422
Tue Feb 21, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 819

Re: Auto Finance question

We've had great experience with Lightstream. As long as you have decent income and credit score, you'll qualify for their great rates. The process is fairly quick as well. I have only recently heard about Lightstream, can you tell me more about the process you went through. I have a score around 78...
by rg422
Tue Feb 21, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 819

Re: Auto Finance question

We've had great experience with Lightstream. As long as you have decent income and credit score, you'll qualify for their great rates. The process is fairly quick as well.
by rg422
Thu Feb 16, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff vs. ANY Investing
Replies: 29
Views: 1932

Re: Student Loan Payoff vs. ANY Investing

My wife and I were in a similar scenario previously and am glad student loans our behind us. Mathematically with the interest on the student loans, you'd be better off putting at least up to the company match in you and your spouse's retirement plans; this is what I would do if I were in your shoes....
by rg422
Thu Feb 16, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1320

Re: New or CPO luxury SUV?

Buying CPO (3-4) year old cars will save a lot compared to buying new and though I do not have any experience with said SUVs, I will recommend financing through PenFed or Lightstream. The latter's process is much more simple and depending on credit/income you can finance the whole purchase price; we...
by rg422
Tue Feb 14, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 71
Views: 6442

Re: New cars or Pool?

I would try to do both, if I were in your shoes. You may go a little over your stated budget, but if you purchased two used vehicles in decent shape you may have enough for a pool, assuming you’re NOT building a fancy pool (BG mentality). My wife and I are both 32 and 31, and though, we max out our ...
by rg422
Thu Feb 02, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Promoting financial literacy in school
Replies: 6
Views: 807

Re: Promoting financial literacy in school

I have nothing constructive to add OP, but this is such a great idea. I wish something similar was available when I was growing up.
by rg422
Thu Feb 02, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 6991

Re: Milestone and gotta tell someone

Quite an accomplishment at your age. :sharebeer
by rg422
Wed Feb 01, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my house?
Replies: 23
Views: 3315

Re: Should I pay off my house?

I would pay it off for peace of mind.
by rg422
Wed Feb 01, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Car Guy question
Replies: 61
Views: 7208

Re: Car Guy question

No offense to anyone, but it seems most don't realize how expensive some of these newer "high end" cars are to repair; an example - a family member's 2012? BMW 7 series needed suspension work out of warranty and dealer cost was 12K. :oops: Was that the price at the dealer? What was the work? A lot ...
by rg422
Tue Jan 31, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 3888

Re: How to save money on a minivan?

If you’re buying a Toyota Sienna or Honda Odyssey, I’d recommend getting new. These things hold their value WELL, and for a reason. Just be sure to pay ‘invoice’ price and not a penny more. We never thought we’d be driving a minivan, ourselves, but our perspective changed when my wife and I were out...
by rg422
Tue Jan 31, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Car Guy question
Replies: 61
Views: 7208

Re: Car Guy question

No offense to anyone, but it seems most don't realize how expensive some of these newer "high end" cars are to repair; an example - a family member's 2012? BMW 7 series needed suspension work out of warranty and dealer cost was 12K. :oops: We own a 2008 Lexus IS-F and I drive it hard every once in a...
by rg422
Fri Jan 27, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 4517

Re: How Do You Pay Your Monthly Bills?

We've been using auto pay features for some time now with our mortgage and utilities; simple and never a late payment. We also use one rewards CC for everything else (unless cash is the only accepted form of payment.) This CC is also set up to auto pay whatever balance at the end of each month. We r...
by rg422
Wed Jan 25, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 4026

Re: Possbile career moves without college degree

How about looking into becoming a correctional officer for the prison system? Not sure how it is in other states, but here in California, I know a few friends from high school, with no college degrees making well over $100K annually being correctional officers. I don't know the details, but one does...