Search found 66 matches

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: 7453

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: 718

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: 895

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: 1925

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: 1419

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: 2556

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: 7532

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: 1734

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: 8993

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: 163
Views: 12541

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: 4144

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: 58
Views: 6297

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: Investing - Help with Personal Investments
Topic: New 401k provider/How to prevent over-contribution
Replies: 4
Views: 310

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: 5707

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: 5638

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: 24
Views: 2372

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: 4934

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: 25220

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: 20054

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: 20054

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: 12413

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: 3163

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: 2763

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: 7119

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: 1960

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: 3918

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: 30106

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: 9285

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: 1350

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: 5911

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: 20550

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: 13034

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: 5121

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: 8604

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: 31184

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: 3510

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: 10870

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: 6850

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: 2429

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: 762

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: 841

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: 819

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: 14267

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: 6040

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: 9538

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: 2949

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: 5934

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: 9664

Re: New Boglehead Millionaire

Amazing accomplishment. Congrats!!!