Search found 92 matches

by trueson1
Wed Sep 19, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52493

Re: That Extravagant Thing You Do

Good aged single malt Scotch and smooth bourbon!

Nice Vacations
by trueson1
Tue Sep 18, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561297

Re: What's Your Credit Card Rewards Strategy?

I go for the cash mainly and occasionally some big miles.

Amex Blue Cash Preferred: 6% grocery stores, 3% department stores
Citi Costco Visa: 4% gas stations, 3% restaurants and travel, 2% Costco
USAA: 2.5% on all purchases
by trueson1
Fri Jun 22, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 34835

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

Pharmaceutical Research Scientist: Lots of training and education to get to the top but top pay and benefits. Somewhat stressful and high pressure at times but get to work on projects that you get to see make a difference in the length and quality of life of pets (in my case). Great job! I wouldn't ...
by trueson1
Tue Jun 19, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8917

Re: gray hair

An answer for either balding or going gray - to keep you feeling young either way ( didn't mean to be poetic). If you are balding, Say - "If you want to use your testosterone for growing hair go ahead, I'll use mine for something better". If you are going gray but not balding, Say - I don't care if ...
by trueson1
Mon Jun 04, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8042

Re: What is your Take Home Pay / Gross Pay ratio?

52%

after maxing pre-tax 401K, maxing after tax 401K, state and federal taxes, medical, dental and disability insurance, pre-tax medical savings
by trueson1
Fri May 04, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9236

Re: Bucket List Adventures/Activities

Done - Skydiving for my 60th Bday!

To do:
Alaska and Canadian fishing adventures - multiple salmon species, a big halibut
Various other fishing - sailfish, tuna, shark
Australia, NZ - extended stay
Israel - Holy land tour
by trueson1
Tue May 01, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: About transferring money into Vanguard from outside
Replies: 4
Views: 758

Re: About transferring money into Vanguard from outside

Yes - if you have a brokerage account, all outside funds automatically go into your Federal MM settlement fund, then when available you can disperse wherever you like. At least that is the way I have always done it.
by trueson1
Mon Apr 30, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: At a crossroads. Does my plan make sense?
Replies: 29
Views: 2930

Re: At a crossroads. Does my plan make sense?

Read "How to Retire Wild Happy and Free" - then actually do it! I'm right behind you! :D
by trueson1
Thu Apr 19, 2018 10:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 54493

Re: Post your Financial Milestone Announcements Here

Just passed $1.5M yesterday. Maxing out 401K, Mega Back dooring Roth- saving 42% of gross and gliding to retirement in less than 3 years. WaHOO! Thanks BHs!
by trueson1
Thu Apr 19, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 5010

Re: Are you keeping more in cash?

As some others have indicated, I keep my EF in cash - about 6 month living expenses, but I try to find the best rates I can using high interest checking, etc - currently earning 2.5 -3%. If 5% gives you peace of mind I think it is OK. Seek out the best rates.
by trueson1
Wed Apr 18, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 31946

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

62, married, single earner, total savings - 42% of gross
by trueson1
Mon Apr 09, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7293

Re: Tequila and Magaritas

I prefer Patron - to sip and in Margaritas. I also like it with ginger beer - a Mexico Mule!
by trueson1
Thu Mar 22, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Basic question!
Replies: 22
Views: 2139

Re: Basic question!

Always remember - this is your money. Don't be ashamed to take control of it. Even if it means telling some salesman to take a hike. Be Bold. You are the best caretaker of your future! And don't be ashamed of past mistakes - we have all made our share. Learn and move ahead. And you came to the right...
by trueson1
Mon Feb 19, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 168
Views: 19083

Re: Retirees: The common sense withdrawal method

A lot of good "common sense" discussion here. But back to the OP's original question. I guess it depends on what floats your boat. If you want to spend lots of time and effort running endless financial evaluations (which I must admit I have done from time to time), worrying about what might happen, ...
by trueson1
Mon Feb 19, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: I think we can swing this! ($1M retirement home)
Replies: 27
Views: 3680

Re: I think we can swing this! ($1M retirement home)

POC - go for it! Enjoy your success!
by trueson1
Mon Feb 19, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 7154

Re: Sams Club vs Costco

In my opinion, Costco quality overall is vastly superior to Sam's Club. Costco does a lot of internal quality testing and selection before offering their products in their stores. Not so sure about Sam's.
by trueson1
Mon Jan 29, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10082

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: 26132

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: 2526

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: 6614

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: 9145

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: 44
Views: 9104

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: 249
Views: 36440

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: 526

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: 526

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: 23693

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: 8012

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: 53196

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: 483
Views: 46486

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: 483
Views: 46486

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: 483
Views: 46486

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: 1707

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: 7953

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: 1443

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: 3402

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: 3402

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: 5481

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: 483
Views: 46486

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: 6530

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: 186
Views: 26439

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: 186
Views: 26439

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: 4183

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: 7967

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: 2806

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: 186
Views: 26439

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: 186
Views: 26439

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: 24
Views: 4201

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: 12675

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.