Search found 76 matches

by trueson1
Mon Jan 29, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6572

Re: Neighbor recently burgalerized - Suggestions for home security

Options:

1. What I currently have.
Dog
Couple of Ring cameras appropriately positioned on front and back of house.
Personal security device with hollow points bedside.

2. What I might consider
Simply Safe security system in addition to above

3. Last ditch - monitored professional security system
by trueson1
Mon Jan 29, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23626

Re: 401k millionaires

Took me about 20 years to hit the $1M milestone with most coming after 50 YOA, maxing out 401K with 5% match and 5-8% profit sharing and mega back door Roth. Hoping to hit close to $2M by retirement.
by trueson1
Fri Jan 26, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 1912

Re: April in Paris - Your favorites or suggestions?

All great suggestions. Musee d' Orsay - my fav. Make an effort to speak a few words of French and the locals will have pity on you. Launch out into English and you may get the cold shoulder.

Food, Food, Food, Espresso!!!!!!! and long walks along the Seine. Beautiful City.
by trueson1
Sun Jan 21, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5582

Re: Laughter is the Best Medicine - What makes you Laugh?

People - just watching people screwing up. They are hilarious (most of the time). Because I have done most of the stuff they are doing. But it is much funnier seeing them doing it.
by trueson1
Sun Jan 21, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8080

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

I keep 15K in a high interest checking account for this reason - still earn 3% and can get it when I need it - never know.
by trueson1
Sun Jan 21, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone at Goldman Sachs/Marcus bank 1.5%?
Replies: 27
Views: 2862

Re: Anyone at Goldman Sachs/Marcus bank 1.5%?

Same as others. Been using for more than 3 years since GE. Had some sync issues with Personal Capital initially when they switched to Marcus. No issues since. Transfers work fine.
by trueson1
Sun Jan 21, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 219
Views: 27014

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Nope.

Not since I found BHs which gave me the confidence that I could do it on my own. Now tackling retirement in 3 years and best strategies for withdrawal. You can do it.

Depending on how things go with my reasoning abilities as I get much older - might consider other options.
by trueson1
Sat Jan 13, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Alternatives as part of portfolio
Replies: 3
Views: 360

Re: Alternatives as part of portfolio

Generally, in Personal Capital with Alternatives they are referring to REITS and commodity exposure available through ETFs such as gold or oil.
by trueson1
Sat Jan 13, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Alternatives as part of portfolio
Replies: 3
Views: 360

Alternatives as part of portfolio

I see alternatives in Personal Capital at a what I think is a fairly high % (10 % in my case of a ~60/40 stock/bond) of their suggested portfolio.

How do others view alternatives in their portfolio?
by trueson1
Wed Jan 10, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 21236

Re: What age did you become debt free and what opportunities did it create?

Around 50. Opportunities - unlimited, along with greater sense of freedom and better sleep!
by trueson1
Tue Jan 09, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6654

Re: Hot Water Delay at faucet/shower far from water heater

I have a hot water recirculator for my rather large house since it was built and it works great. Without that it would take 5 minutes for hot water to get to the master bedroom shower. That's your solution, will cost you a few hundred. The pump itself is about $300. I agree. I have a recirculator i...
by trueson1
Tue Jan 09, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 49015

Re: USAA 2.5% Cash Back Credit Card

I don't see that card for Hawaii, are you using a different billing address? I do see it when I tell the website I'm in WA. Unfortunately, I'm in CA so I'm still waiting. It was available in February, I believe. I applied then, expecting it to fail because I already had frozen my credit with all th...
by trueson1
Thu Jan 04, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31000

Re: What frugal thing did you do today?

I read fairly fast. So I returned the books that I got from Amazon the other day for free returns. Don't bend the spine or crinkle the pages. Return as received in brand new condition. Most books are not worth keeping unless reference or something to gift or pass on. I don't know if others do this....
by trueson1
Thu Jan 04, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31000

Re: What frugal thing did you do today?

I read fairly fast. So I returned the books that I got from Amazon the other day for free returns. Don't bend the spine or crinkle the pages. Return as received in brand new condition. Most books are not worth keeping unless reference or something to gift or pass on. I don't know if others do this....
by trueson1
Thu Jan 04, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31000

Re: What frugal thing did you do today?

I got one of these motion activated LED lights for the toilet. Now when I get up in the middle of the night, don't have to turn on lights to find my way or stumble around in the dark (saves $ on trips to the ER). Probably will save $0.05 ( maybe less) in a year after factoring int the cost of the de...
by trueson1
Wed Jan 03, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1309

Re: Recommend me a backpack for business use

I have had Swissgear (Wenger) Legacy for 3 years. Best I have ever had. Also look at Synergy or Pegasus.
by trueson1
Mon Jan 01, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 7178

Re: So, how was the year ? Gains made and Lessons learnt ?

~15% total return with 58/37/5 - stock/bond/cash - 96% in index funds. good year. Stay the course!
by trueson1
Fri Dec 29, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Galaxy S7 from ebay?
Replies: 11
Views: 1119

Re: Galaxy S7 from ebay?

Not a phone but I bought a new samsung S2 tablet more than a year ago off ebay and it has worked great - saved at least $150 over store price.
by trueson1
Thu Dec 28, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 36
Views: 2845

Re: Smart Home: Google, Apple, or Amazon?

... I can see life changing benefits for someone who is severely disabled or blind. Possibly, but a blog post by Lauren Weinstein points out that Google Home (at least) requires a smartphone for setup and maintenance: Google Home Is Leaving Elderly and Disabled Users Behind So does Echo - good point.
by trueson1
Thu Dec 28, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 36
Views: 2845

Re: Smart Home: Google, Apple, or Amazon?

Not much in to voice activation either. But I do like the Echo dot along with Amazon Prime and Sirius XM. I hooked it into my whole house sound system. Now I can access almost any type of music from any room in my house and practice my dance moves with my wife anywhere. :)
by trueson1
Thu Dec 28, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Looking to take out Roth IRA money for house down payment.
Replies: 66
Views: 4662

Re: Looking to take out Roth IRA money for house down payment.

Don't ask for advice to validate the answer you want. The best advice is that duly considered. Collective wisdom has saved many from ruin (both financially and morally).
by trueson1
Mon Dec 25, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31000

Re: What frugal thing did you do today?

Did my own snow blowing for my dogs so they would have trails to run in the snow this winter, then hired a service to do my driveway. :)
by trueson1
Sun Dec 24, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 5778

Re: Who missed out on maximizing 401k?

My megacorp calculates everything and don't have to worry about going over the limit. I'm over 50, so I calculate 18K plus 6K for pretax and ~15K after tax plus my company match and profit sharing to max out my total 401K at a 60K. I try to calculate this out so that the max limits are achieved by t...
by trueson1
Fri Dec 22, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 171
Views: 21123

Re: TurboTax Prices

Anyone have experience with this seller? Google search reveals some posts on Intuit's site that indicate that it may not be an authorized reseller, but nothing that looks 100% authoritative. E.g., https://ttlc.intuit.com/questions/3692488-tax-pros-or-www-taxprosync-com-indicate-they-are-authorized-...
by trueson1
Fri Dec 22, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 171
Views: 21123

Re: TurboTax Prices

TT Premier download with 1 state $41.75 Tax Pros https://store.taxprosdeal.com/index.php/tax/for-pc/turbotax-premier-2017-fed-efile-state-pc-dl Anyone have experience with this seller? Google search reveals some posts on Intuit's site that indicate that it may not be an authorized reseller, but not...
by trueson1
Fri Dec 22, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 54
Views: 3560

Re: Mega Backdoor questions

Yep - I keep it simple. One transfer a year from after-tax 401K to Vanguard Roth. I have some gains that I transfer to my tIRA but that is OK. Done it several years now with no problems.
by trueson1
Fri Dec 22, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: How I got to $1.5MM
Replies: 42
Views: 7457

Re: How I got to $1.5MM

Inspiring for sure! Great example of the value of hard work, teamwork (with your best friend), never give up attitude and consistent disciplined investing principles all = success. Congrats!
by trueson1
Fri Dec 22, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Introducing Myself, Seeking Retirement Advice
Replies: 18
Views: 2529

Re: Introducing Myself, Seeking Retirement Advice

Welcome Peter, You are off to a great start! Wish I was where you are now when I was 34. Sound advice from knowledgeable investors. Stay the course and you will be fine. Set it up and keep it on auto pilot. As suggested give consideration to Roths and if allowed by your plan look into mega backdoor ...
by trueson1
Mon Dec 18, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 171
Views: 21123

Re: TurboTax Prices

TT Premier download with 1 state $41.75 Tax Pros https://store.taxprosdeal.com/index.php/tax/for-pc/turbotax-premier-2017-fed-efile-state-pc-dl Anyone have experience with this seller? Google search reveals some posts on Intuit's site that indicate that it may not be an authorized reseller, but not...
by trueson1
Sat Dec 16, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 171
Views: 21123

Re: TurboTax Prices

TT Premier download with 1 state $41.75

Tax Pros

https://store.taxprosdeal.com/index.php ... tate-pc-dl
by trueson1
Sat Dec 16, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Questions about mega-backdoor Roth, and is there any reason NOT to do a mega-backdoor Roth?
Replies: 20
Views: 2713

Re: Questions about mega-backdoor Roth, and is there any reason NOT to do a mega-backdoor Roth?

Can't think of one if you company allows it, as others have indicated above. I only wish I had found out about it earlier. Have backdoored 30K in the past 2 years and it is easy to do.
by trueson1
Sat Dec 16, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 10824

Re: How much did you contribute to your 401k in 2017?

Age 61: will Max it at 60K. 24K pretax, Employer added 20K, I will add 16K post tax and mega back door it to a Roth at Vanguard.
by trueson1
Mon Nov 20, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14967

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave is right for people who can't manage money. 1. Use a budget (same whether you use a credit card or not) 2. Use a credit card that has good rewards (make money off your card) 3. If you can't pay off your credit card each month - don't use it. (Take a Dave Ramsey course - you need some basic fina...
by trueson1
Mon Nov 20, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 6281

Re: Uber for someone who knows only taxis

Agree with the posts here. Easy to use, better than taxis and much cheaper. Much nicer and cleaner cars.

As said - make sure you get the correct car, check the driver's name on pickup.

I tip a good driver.
by trueson1
Sun Nov 05, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Best savings account (or fund) for my emergency account?
Replies: 11
Views: 952

Re: Best savings account (or fund) for my emergency account?

I'd recommend some in an online bank like Ally or Goldman Sachs (~1.25%) and/or some in a high interest checking account (I live in Michigan and have 2 of these with local credit unions paying 2-3% on 10-25K with 10-12 debits per month and a direct deposit). All of these give you quick access to you...
by trueson1
Sun Oct 29, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Selling RSUs and taxes.
Replies: 4
Views: 667

Re: Selling RSUs and taxes.

Agree with Draft Investor. I always set my RSUs to sell as soon as they vested. One other thing to consider is the % of portfolio in one stock. I was getting substantial RSUs every year with a 3 year vest term which kept me with about 4-5% of my portfolio in a single stock - so no brainer to sell ev...
by trueson1
Mon Oct 23, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 219
Views: 27014

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Nope. No one better at watching my money than me - with the help of bogleheads and a little reading.
by trueson1
Mon Oct 23, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Am I missing on any tax deferred investments?
Replies: 4
Views: 422

Re: Am I missing on any tax deferred investments?

Not tax deferred but will get more money into Roths from 401k. Search topics on Mega Backdoor Roth.
by trueson1
Mon Oct 16, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 17361

Re: How does everyone keep track of your portfolio?

As others have mentioned - Personal Capital is my favorite. What I don't like about PC is that if keeps your cash separate from investments for overall portfolio
Fidelity Full View OK - but the Retirement Estimator is also pretty good - better than Personal Capital.

Also Excel
by trueson1
Thu Oct 12, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 18570

Re: What's your asset allocation and why?

62 - 3 years from retirement

60% - stocks (70% US, 30% Int); Total stock index, Int stock Index; Reit Index (1%); Utilities ETF (1%)
35% - bonds (90% US, 10% Int); Total Bond Index, Total Int Bond Index
5% - cash

Seems about right all things considered.
by trueson1
Mon Oct 09, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 6022

Re: Is there boglehead consensus on buying a car?

I buy new. Research to get a good reliable car. Take care of it. Drive it till the wheels fall off.
by trueson1
Mon Oct 09, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5867

Re: Anyone go 100% Ally or another online bank for all banking needs?

I have Ally and Goldman Sachs online accounts to spread my money around a little. Great for transferring money around electronically. In addition, I do like to have a local bank for safe deposit, etc. Plus local credit unions have the best rates on high interest checking accounts. I have 2 both earn...
by trueson1
Sun Oct 01, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: How do you determine the emergency fund size?
Replies: 65
Views: 16153

Re: How do you determine the emergency fund size?

I have 4 months in my E fund in 2 high yield checking accounts both paying 3%. All I have to do is have a direct deposit to each of these and have 10-12 debit card withdrawals each month. Easy access to cash if needed and still earning a decent return. These accounts are not that difficult to find b...
by trueson1
Mon Sep 11, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing your credit??
Replies: 15
Views: 1923

Re: Freezing your credit??

All frozen. It was relatively easy. You can temporarily remove freeze if you need a credit check for a cc or loan.
by trueson1
Sun Sep 10, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: moving money out of 401K to vanguard IRA
Replies: 5
Views: 476

Re: moving money out of 401K to vanguard IRA

Yes - my plan will allow a rollover. But looks like it probably will not make much difference in the next couple of years and the fees are similar. I am doing mega back door Roth with after tax max and moving this out to Vanguard at the end of every year - that is basically why I am asking, as I cou...