Search found 560 matches

by Cycle
Tue Aug 14, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 21
Views: 794

Re: Biking with 2 young children - what gear to get?

I'd just grab something off craigslist to try out and see if it sticks. there are always lots of cargo bikes and trailers listed for 50% off retail. staying fit has never been a concern nor will it be for me, because i bike to work.
by Cycle
Mon Aug 13, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 68
Views: 3977

Re: How often do you check your brokerage accounts

Check my personal capital app once per day, which has all the balances. I manually log my net worth into a spreadsheet quarterly, which I think will be neat to look at in 10 years. Already pretty amazing to see it go from 700k in 2016 to 1.35MM in 2018. Doubling net worth in 2.5 years was not someth...
by Cycle
Mon Aug 13, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 125
Views: 5138

Re: how much car can we afford?

mid 30s 300k total comp net worth ~ 1.1M assets in taxable accounts: ~ 650k We have same stats, roughly. We have $7k worth of cars and spend per year ~4k on vehicles, which I think is the most I'd be comfortable with spending on a vehicle until we are worth 5MM or more... At that point tho, persona...
by Cycle
Mon Aug 13, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 9655

Re: AAPL, AMZN, or GOOG?

I don't own any individual stocks outside espp restricted units, as I like to keep costs low and do the 3 fund. I'd predict Google and Alphabet will outperform Amazon and Apple. We dropped prime earlier this year after having it for many years. I receive apple products for free from time to time at ...
by Cycle
Mon Aug 13, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4031

Re: Would you pay this mortgage off?

Putting the money into your walls will definitely not produce great returns toward college tuition or any purchases, particularly in your 2% rate prediction scenario. I get 18k a year from my walls (rent other half of duplex). I'm not going to leverage up to buy the market, as that is not risk I'm ...
by Cycle
Sat Aug 11, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4031

Re: Would you pay this mortgage off?

I like being debt free as it increases my savings rate. Most everyone likes to increase their savings rate. But the question is how much of you money do you wish to make illiquid in order to do that? And how much excess market return are you willing to give up? Well my taxable brokerage account whi...
by Cycle
Fri Aug 10, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4031

Re: Would you pay this mortgage off?

If you pay it off, the stock market will go up 15% this year, from my experience. If it were me though, I'd pay down the 4% debt, I like being debt free as it increases my savings rate. I'm 35 and 100% FI, so pretty sure I know how to handle money.
by Cycle
Fri Aug 10, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7585

Re: Should I tell my family/friend that they are making a financial mistake?

If it comes up you can describe your finances. People are an average of the people they know, but what if nobody ever talks about money? Part of the reason I maxed out my retirement accounts in my early twenties is other similar aged employees and I would discuss what percent we were putting into ou...
by Cycle
Tue Aug 07, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 108759

Re: Anyone regret paying off mortgage early?

I regret it. I paid off a mortgage on a duplex I live in, so I'm losing some interest write-offs. Before that I was paying down a 2% mortgage on a condo I owned when stocks we're going up 11% per year. I did ok bc I still maxed out my tax advantaged accounts, but paying down the mortgages was simply...
by Cycle
Tue Aug 07, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4613

Re: Maui Hawaii Trip - How to save money?

This is probably a bit extreme for most folks here, but when we went to Iceland I just brought a suitcase full of food. We were car camping the whole time so we were amongst other like-minded folks. We did grab some fish and chips from a food truck once on that trip. $45 for two servings. That littl...
by Cycle
Tue Aug 07, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4510

Re: Dear BH, what are non-BH [financial] actions you do?

Dont own a car (DW does). Don't have any collections. Don't have Amazon prime. Save way more than a typical boglehead (75% net).

Investing is pretty much textbook bh, ie 3 fund.
by Cycle
Tue Aug 07, 2018 6:41 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52008

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I've only read a hundred or so replys on this. I have 100k in my taxable all in Vanguard VTIAX (ER .11%), which is currently at a capital loss of like $1000. I'm thinking of moving this money over to the zero international fund FZILX Fidelity is reducing the ER by lending my shares out to others? I...
by Cycle
Mon Aug 06, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Importance of expense ratios and other related costs
Replies: 8
Views: 548

Re: Importance of expense ratios and other related costs

it also depends where you hold that fund. if in taxable, it is yet to be seen how buying 80% of the index will affect the tax drag situation (read the prospectus). Ok I'm just going to wait a while and see where things settle on tax drag. Is the thought that securities lending is going to increase ...
by Cycle
Mon Aug 06, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Importance of expense ratios and other related costs
Replies: 8
Views: 548

Re: Importance of expense ratios and other related costs

PFInterest wrote:
Sun Aug 05, 2018 11:52 am
Yea but going from 0.03 to 0.01 while statistically significant, does not really alter outcomes.
Vanguard VTIAX is 0.11, Fidelity VZILX is 0.00. that's $1100 in expenses for a $1MM account. It won't alter outcomes, but its enough to catch my business.
by Cycle
Sun Aug 05, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep your math skills sharp?
Replies: 29
Views: 1489

Re: How do you keep your math skills sharp?

MOOCs I once knew how to program proficiently in Matlab. 13 years into my career I completely forgot. I'm now halfway thru a Coursera Matlab course and by the end I'll know more than I did back in undergrad. I work in R&D so it's easy to motivate myself to stay sharp so I can keep up with my peers....
by Cycle
Sun Aug 05, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep your math skills sharp?
Replies: 29
Views: 1489

Re: How do you keep your math skills sharp?

MOOCs I once knew how to program proficiently in Matlab. 13 years into my career I completely forgot. I'm now halfway thru a Coursera Matlab course and by the end I'll know more than I did back in undergrad. I work in R&D so it's easy to motivate myself to stay sharp so I can keep up with my peers. ...
by Cycle
Sun Aug 05, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52008

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I've only read a hundred or so replys on this. I have 100k in my taxable all in Vanguard VTIAX (ER .11%), which is currently at a capital loss of like $1000. I'm thinking of moving this money over to the zero international fund FZILX Fidelity is reducing the ER by lending my shares out to others? Is...
by Cycle
Fri Aug 03, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11327

Re: 3 Levels of Wealth

That's not something to be proud of. One person isn't any more virtuous or impressive than the other. I know very wealthy people that dress in ripped jeans and are not flashy for the purposes of padding their own ego and feeling above others. (Just spend 1 day in SF) 8-) A coworker of mine when wor...
by Cycle
Fri Aug 03, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11327

Re: 3 Levels of Wealth

FIREchief wrote:
Fri Aug 03, 2018 2:21 pm
if you're spending $15K on dinner for family and friends, you may not currently be at level #1, but there is certainly a reasonable chance that this is where you will ultimately wind up. We read about it all the time.....
What 75% net savers going broke bc they spent 15k on a wedding caterer?
by Cycle
Fri Aug 03, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11327

Re: 3 Levels of Wealth

Easy to drop 20k on a sushi meal for the family. I once spent 15k on dinner for family and friends. If you're not ok spending that amount every day , you're at #1. Every day? Spending $15k on dinner every day? That's how you measure wealth? No, Stuart buttersworth posited that, which I strongly dis...
by Cycle
Fri Aug 03, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4622

Re: best place to hide a key

Just set it in top of one of the tires. Glove box. Door pocket. Never had any issues with any of these locations. The tire is best so you don't accidentally lock yourself out.
by Cycle
Fri Aug 03, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 43
Views: 2708

Re: Nespresso?

Love nespresso. Mainly just use it in airport lounges. I went into a nespresso store for the first time last week in San Sebastian, it was a very cool store. The Apple store of coffee.

I do pour over at home.
by Cycle
Fri Aug 03, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11327

Re: 3 Levels of Wealth

Easy to drop 20k on a sushi meal for the family. I once spent 15k on dinner for family and friends. If you're not ok spending that amount every day, you're at #1.
by Cycle
Thu Aug 02, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 3967

Re: Ticks and common sense?

Avoid touching plants when you hike, ticks hang out on leaves and transfer to you when you touch them . like if you are trail running stay on the wider dirt trails not the ones where the brush is rubbing against you. When camping wear copious bug spray and check for deer ticks. Many hunters get Lyme...
by Cycle
Thu Aug 02, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Time to sell my 2003 Accord?
Replies: 33
Views: 2054

Re: Time to sell my 2003 Accord?

I'd repair it. Had a 2004 Accord worth 3300 with 162000. Some guy hit me on the highway and I had 3000 of repairs done to it (paid for in cash by said licenseless guy). Sold it though for 3300 a couple years ago to free myself from cager life.
by Cycle
Sun Jul 29, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10718

Re: Facebook stock in freefall! (20% drop in 1-day)

Wm_o_o_o wrote:
Sat Jul 28, 2018 7:37 pm
You seem to be missing the point. Let me say again, internet provision is seriously unequal in the USA.
That doesn't clarify anything. Internet provision is a broad term. What is unequal about it and how does that relate to data usage for social media apps?
by Cycle
Sat Jul 28, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9220

Re: Toughest Purchase of my Life. Engagement Ring time

I struggled with this as well. I decided to go with a 2.5ct diamond from Blue Nile for my DW. I think it was $19k 4 years ago. To me these silly stones are worthless, but my DW appreciates the shiny thing. If I had to wear one frequently I guess I'd want a big sparkly one, so that's what I purchased...
by Cycle
Sat Jul 28, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10718

Re: Facebook stock in freefall! (20% drop in 1-day)

It's not free. My DW spends 30 dollars a month on mobile data for Instagram and Facebook. We're on project fi, so it's pay per MB used. Thats 360/yr. Equal to 50% of my annual transportation costs to work via bus. My apologies if this seems intrusive but why are you or anyone you know paying for In...
by Cycle
Sat Jul 28, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10140

Re: Peloton spin bike worth the high cost?

Not worth it IMO. Other low cost alternatives are available. There are alternatives to anything, but there is not anything of comparable quality of both equipment and classes that I have found. Id say all indoor spinning is of equivalent horrible quality, from my perspective. I'd prefer to hook my ...
by Cycle
Sat Jul 28, 2018 4:41 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5910

Re: Talk to me about Le Creuset

My wife likes having le creuset, as they appear in advertisements and are seen in fancy kitchens. We have a few pieces that get used once per year (Dutch oven). Some of them have never been used. Hoping the Joneses will come over soon for dinner.
by Cycle
Sat Jul 28, 2018 4:29 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10140

Re: Peloton spin bike worth the high cost?

Not worth it IMO. Other low cost alternatives are available.
by Cycle
Sat Jul 28, 2018 4:13 am
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 2845

Re: How to make opened bottles of wine last longer

We only buy boxed wine, it stays good for over a month. Bota box has great fermented grapes.
by Cycle
Fri Jul 27, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10718

Re: Facebook stock in freefall! (20% drop in 1-day)

Like many on here, I believe in allocating all funds (aside from short term espp) in the 3 fund. The returns are good enough. I was in target fund 2050 from 2007-2017. Now I mimick that AA in my 3-fund. That target fund would obviously do worse than investing solely in FAANG stocks, but it still did...
by Cycle
Fri Jul 27, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10718

Re: Facebook stock in freefall! (20% drop in 1-day)

willthrill81 wrote:
Fri Jul 27, 2018 11:48 am
It's reported that growth in Prime memberships may decline significantly once the price increases.
We dropped Prime this year, after being long time subscribers. Simply not worth it with so many alternatives.
by Cycle
Fri Jul 27, 2018 8:12 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10718

Re: Facebook stock in freefall! (20% drop in 1-day)

Im traveling right now and using pay as you go data, so please just describe your puppies and kale salads with text instead of images.
by Cycle
Fri Jul 27, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10718

Re: Facebook stock in freefall! (20% drop in 1-day)

I was under the impression that they didn't meet their quarterly benchmarks? Add that to the recent Facebook scandal and investors start to lose some faith. It's all speculative in the short term though. I can't image Facebook actually going away. What are you gonna replace it with? Myspace? Nothin...
by Cycle
Fri Jul 27, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 10718

Re: Facebook stock in freefall! (20% drop in 1-day)

It's not free. My DW spends 30 dollars a month on mobile data for Instagram and Facebook. We're on project fi, so it's pay per MB used. Thats 360/yr. Equal to 50% of my annual transportation costs to work via bus.
by Cycle
Thu Jul 26, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3756

Re: negative comments about "Brazil nuts"

To get 100g of carbs you would have to eat 15 servings, or about 300 nuts, which would be about 2500 calories. what's your point. that's less than a bag of Aldi cashews. I only eat once per day (weekdays). Definitely consumed a whole bag of assorted nuts and then some, particularly day after a long...
by Cycle
Wed Jul 25, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3756

Re: negative comments about "Brazil nuts"

Cashews, pecans, walnuts, and almonds are my go-to nuts. I get them at Aldi, I don't even bother looking at the price. I eat these as my junk food, as they have a lot of carbs and it's easy to eat like 100 grams of carbs from nuts in a few minutes if you aren't cognizant. Everything else I eat is p...
by Cycle
Wed Jul 25, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Real estate investing - cons of investing in REITS vs physical house?
Replies: 17
Views: 670

Re: Real estate investing - cons of investing in REITS vs physical house?

REITs are mostly office towers and shopping malls. Their value will nose dive when those two assets become less desirable in 10 years due to drone delivery of goods and augmented reality workspaces that are even better than colocation.

Perhaps there are apartment specific REITs?
by Cycle
Wed Jul 25, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: Real estate investing - cons of investing in REITS vs physical house?
Replies: 17
Views: 670

Re: Real estate investing - cons of investing in REITS vs physical house?

denovo wrote:
Wed Jul 25, 2018 7:20 pm
Cycle wrote:
Wed Jul 25, 2018 6:54 pm
.

you won't get the tax benefits via depreciation/expenses that u get with individual properties.

That's flat-out wrong.
Elaborate if you will please?
by Cycle
Wed Jul 25, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Real estate investing - cons of investing in REITS vs physical house?
Replies: 17
Views: 670

Re: Real estate investing - cons of investing in REITS vs physical house?

You're probably going to have to be a market timer to get a rental house that cash flows after hiring a property management company. Ie you may have to wait for the market to turn. At that point though, it would be tempting to just buy equities which would also be on sale. Even with a management com...
by Cycle
Wed Jul 25, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2227

Re: Pet burial

I had my dog of 14.5 years creamated on Saturday. Cost was $210. Euthenasia $84. Sad times.
by Cycle
Wed Jul 25, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3756

Re: negative comments about "Brazil nuts"

Cashews, pecans, walnuts, and almonds are my go-to nuts. I get them at Aldi, I don't even bother looking at the price. I eat these as my junk food, as they have a lot of carbs and it's easy to eat like 100 grams of carbs from nuts in a few minutes if you aren't cognizant. Everything else I eat is pr...
by Cycle
Sat Jul 21, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2567

Re: Rain shower

Make sure you don't get a thermostatic valve, otherwise the coldest shower you can take is luke warm. I'm having to retrofit our 1 bath with a cold water handle bc the main valve is thermostatic. The couple of cold showers I get at the gym just aren't cutting it.
by Cycle
Fri Jul 20, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 106
Views: 15787

Re: I ran out of credit card signups bonus...

You don't need a business to get a business card. Sign up as a sole proprietor, business name is your name, TIN is your social security number and list yourself as having $0 revenue. Really? Thanks. I do have a "small business" (1 rental unit), but I though the tin had to be for the business. If th...
by Cycle
Fri Jul 20, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13180

Re: Should I Dump a Pile of Money on Young Son?

My parents paid for my college education. Since I had a scholarship I got to keep the extra money which I used to buy a condo when I was 24. My siblings went to a fancier school and had no money left after graduation. That's probably a 150k worth of gifts. I paid for my graduate degree (and work con...
by Cycle
Fri Jul 20, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 6835

Re: Families - What's your total annual credit card spend?

BTW to everyone - Dave Ramsey would *not* approve of this thread. :happy He'd say I should buy my vacations with cash instead of cc points/ airline miles. We are 75% net savers and couldn't travel as often as we do (3-4 international vacations per year) if it weren't for miles / points. Well we cou...
by Cycle
Fri Jul 20, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2617

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

A few of easy ways to suffer while you are young in order to hammer on the savings are to have roommates, Airbnb your place, dog sit (Rover). Going carless can also be a massive benfit, but depends on your commute. I have a coworker who rented three bedrooms in his 4 bedroom home... He was cash flow...
by Cycle
Fri Jul 20, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2617

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

Title says it all. I've already maxed out my Roth IRA in January and am working on trying to max out my 401k as well by the end of 2018. I have never maxed out my 401k before. Just turned 28. My math works out on paper; however, I've come to appreciate the ever changing complexity of life situation...