Search found 180 matches

by regularguy455
Sun Aug 02, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Car Windshield Cracked [Insurance coverage]
Replies: 17
Views: 1522

Re: Car Windshield Cracked

Don’t get the cheapest glass from the cheapest place. This is from personal experience. The fit and finish I got when doing this is bad and they stained my car seats with the adhesive (and ruined a nice jacket). It also did not have the sun blocking material around the rear view mirror which is surp...
by regularguy455
Sun Jul 19, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Best fire alarm for young children
Replies: 17
Views: 625

Re: Best fire alarm for young children

If you’re trying to spend money, check out the Nest smoke detectors.
by regularguy455
Sun Jul 19, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Puts and Mortgage Downpayment - Shoot my idea down
Replies: 51
Views: 2747

Re: Puts and Mortgage Downpayment - Shoot my idea down

Leverage isn’t free. The simplest solution is just saving more or paying PMI. Not sure how financially equivalent this is, but I would compare the cost of options to the cost of PMI. You could do some fancy math (Monte Carlo) to see the expected gain vs. risk to see if it’s worth it.
by regularguy455
Sat Jul 18, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 63
Views: 10249

Re: Spectrum Internet has a good scam going

If you have the opportunity, I strongly recommend Google Fiber. It might be on par or a little more expensive but none of this grief.
by regularguy455
Mon Jul 13, 2020 7:09 am
Forum: Investing - Theory, News & General
Topic: Tesla becomes most valuable car company in the world
Replies: 149
Views: 12945

Re: Tesla becomes most valuable car company in the world

It’s my understanding that Tesla and SpaceX are financially intermingled. If Starlink is anything close to what Musk is pitching, Tesla is still massively undervalued.
by regularguy455
Thu Jul 09, 2020 7:11 pm
Forum: Personal Investments
Topic: Perspective on Mortgage Forbearance
Replies: 36
Views: 1721

Re: Perspective on Mortgage Forbearance

I suspect you’ll get some strong opinions here but if I qualified I would probably do it. At a minimum it’s free money to invests as you see fit. It could also be used to bulk up a light EF.
by regularguy455
Tue Jul 07, 2020 5:58 am
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 79
Views: 6540

Re: How would permanent WFH reshape Silicon Valley?

I wouldn't expect any significant changes. Like you said, it will remain highly-desirable. By the way, this pandemic will be over just like all others before it, and things will largely go back to the way they were. Sure, maybe WFH will become a bit more common for a while, but this won't make a me...
by regularguy455
Fri Jun 26, 2020 3:48 pm
Forum: Forum Issues and Administration
Topic: private messages between members
Replies: 9
Views: 1166

Re: private messages between members

I would assume anything you communicate on a public message board is accessible to mods, owners, authorities, etc.
by regularguy455
Sun Jun 21, 2020 9:01 am
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 2910

Re: Tipping Tree Trimming

No. You’re paying a considerable amount for their expertise, equipment and time.

When I’ve had folks perform professional services I thought were great, I left them a google review and recommended them to friends. This includes tree trimming.
by regularguy455
Sat Jun 13, 2020 1:42 pm
Forum: Personal Investments
Topic: Employee Stock Purchase Plan (ESPP) - 20% Discount, 5 Year Holding Period
Replies: 21
Views: 1356

Re: Employee Stock Purchase Plan (ESPP) - 20% Discount, 5 Year Holding Period

Any holding period on an ESPP is a deal breaker for me. 5 years? You’re essentially gambling.
by regularguy455
Wed Jun 10, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Exotic Car Rental Pitfalls?
Replies: 9
Views: 1118

Re: Exotic Car Rental Pitfalls?

Have you looked at Turo? You would be renting from an individual, not a corporation.
by regularguy455
Wed Jun 03, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: How to keep chiipmunks from going into gutter/underground drain connection?
Replies: 34
Views: 1767

Re: How to keep chiipmunks from going into gutter/underground drain connection?

Bogleheads have a long history of chipper hatred. The consensus around here is the chipper dipper is the most humane/effective method of removal. Lots of detailed (gruesome?) threads about strategies if you search for them.
by regularguy455
Sat May 30, 2020 10:07 am
Forum: Personal Investments
Topic: Time for a new house?
Replies: 35
Views: 2919

Re: Time for a new house?

To folks who like the idea of renting, you are doing two things - 1. You are taking on a second job 2. You are changing your AA and should adjust your IPS accordingly Would you rather do this or invest in a REIT? You get leverage by having a mortgage but the REIT is a hands off approach to getting t...
by regularguy455
Sat May 30, 2020 10:02 am
Forum: Personal Investments
Topic: Overpay for the home we love?
Replies: 62
Views: 4992

Re: Overpay for the home we love?

I say buy it. We overpaid on our house (IMO) by 15k. It’s a rounding error and I don’t regret it. For everyone that says Zillow et al are worthless, I disagree. I had two appraisers come to our house. Zillow said 490. Taxes said 485. Appraiser 1 said 521. Appraiser 2 said 472. The house could realis...
by regularguy455
Thu May 21, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 46
Views: 2611

Re: Furniture for an infant in the living room

For putting them down for 0-20 minutes, the rockaroo (https://www.4moms.com/products/rockaroo) is fantastic. They used this in the nursery at the hospital where we delivered.

For wearing, we used the baby K’Tan and baby Bjorn. Both products worked great in the early months for long sleeps.
by regularguy455
Tue May 19, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Car now provided by employer; get rid of one personal car?
Replies: 13
Views: 762

Re: Car now provided by employer; get rid of one personal car?

If it were me, I’d sell it. Holding the car means you’re paying for depreciation and insurance. You can always buy another one. Have you seen the financing offers these days? 0% for 84 months and no payments for 3 months! It’s crazy town.
by regularguy455
Mon May 18, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Apple Airpods Pro
Replies: 21
Views: 1230

Re: Apple Airpods Pro

Spouse is considering getting a pair. Any concerns of the battery going out in a few years? Sounds like quite an investment if you also have to replace when that happens. Valid concern. Apple is the king of making luxury goods consumable products. That said, if you can afford it, they’re really cool.
by regularguy455
Sun May 03, 2020 6:59 am
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 4145

Re: Lawnmower recommendation

+1 on the Honda and buying used. I kept an eye on NextDoor and Craigslist for mowers over about a year. I found someone who was selling their well maintained Honda self propelled for $150. Worked perfectly and it was originally MSRP of $750. There are deals to be had, especially in this economic cli...
by regularguy455
Tue Apr 28, 2020 5:45 am
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 124
Views: 11242

Re: Anyone wish they would have invested more during recent downturn?

Nope. I stuck with my IPS. Feeling confident that I could weather this type of downturn and not panic sell. I guess I set the right AA.
by regularguy455
Sun Apr 26, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: received Economic Impact Payment "stimulus" for 2018 deceased
Replies: 12
Views: 900

Re: received Economic Impact Payment "stimulus" for 2018 deceased

It seems like the IRS either took the send checks, ask questions later approach OR they don’t have access to the social security death index.
by regularguy455
Sun Apr 26, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3431

Re: Have you tracked spending during quarantine?

Way down across the board. Electric and water up slightly due to be home constantly. But that’s not exactly a barn burner expense.

Looking to pump some money back into the economy with a blow it out vacation at the end of summer.
by regularguy455
Sat Apr 25, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 116
Views: 7539

Re: Go or no go on Carnival cruise

I would not go until there is a handle on COVID. Either an effective treatment or vaccine. IMO, you seriously rolling the dice for a vacation.
by regularguy455
Fri Apr 24, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3518

Re: Unable to Order Work Out Equipment

Nothing to add other than I feel your pain. I’ve been lifting 3x a week for 6 years and I just went cold turkey. Tried body weight exercises but it just isn’t the same. I guess I’ve got my work cut out for me post pandemic.
by regularguy455
Fri Apr 24, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25152

Re: IRS Get My Payment up and running

Add another data point. Website said Payment Not Applicable until this morning. Put in my bank info successfully. I had paid by credit card in 2018 and did not file yet in 2019.
by regularguy455
Fri Apr 17, 2020 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a home in this range?
Replies: 31
Views: 2841

Re: Can I afford a home in this range?

Add me to the bucket of “Yes, but...” The big problem I see is the inefficient use of your high income. The sheer size might overcome this but loading your retirement should be a high priority. Your cash savings and enormous EF says you either don’t trust the equity markets or don’t have a clear pla...
by regularguy455
Mon Apr 13, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Help Fix My Lawn!
Replies: 31
Views: 2472

Re: Help Fix My Lawn!

If you haven’t looked, you might consider a lawn maintenance company. For about $200-$300 per year, they apply all the fertilizer, herbicide and pre-emergent at the right time. The folks in our neighborhood are pros. They took my weed patch into a healthy lawn in about 1.5 years. You also reduce the...
by regularguy455
Sun Mar 29, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17645

Re: What will you do first, once COVID pandemic is over?

Go to the aquarium with my wife and son
by regularguy455
Wed Mar 18, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury extends [tax payment date 90 days, filing deadline still April 15]
Replies: 80
Views: 3036

Re: Official IRS statement on tax payment due date

Thesaints wrote:
Wed Mar 18, 2020 4:44 pm
Cali has granted filing and payment deferment to June 15. No paperwork required.
Are all states matching the IRS??
by regularguy455
Wed Mar 18, 2020 6:09 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 53158

Re: How Is Your Job Being Impacted By The Current Crisis?

Global drug development. We work on big, long contracts so we have some resistance to recessions. That said, our business is built on working with doctors and patients. The impact is increasing hourly in the US and EU but is recovering in China and South Korea. We are billable hour focused so there ...
by regularguy455
Tue Mar 17, 2020 8:39 pm
Forum: Investing - Theory, News & General
Topic: 20% unemployment?
Replies: 88
Views: 6760

Re: 20% unemployment?

The $1,000 is to keep the utilities paid, minimums on the credit card and food in the fridge for the next 2-4 weeks until they can figure out the next move.
by regularguy455
Sat Mar 14, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Buying a boat
Replies: 38
Views: 2226

Re: Buying a boat

Might want to consider waiting. If the economy tanks you should be able to find a great deal. People are panicking right now. Best time to buy. It'll blow over in a few weeks and prices will be back up to normal. I wouldn’t call it panicking yet. If we start seeing layoffs in large numbers you’ll k...
by regularguy455
Sat Mar 14, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: Buying a boat
Replies: 38
Views: 2226

Re: Buying a boat

Might want to consider waiting. If the economy tanks you should be able to find a great deal.
by regularguy455
Mon Mar 09, 2020 6:39 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46592

Re: 30 year mortgage under 3%

1130Super wrote:
Mon Mar 09, 2020 12:11 am
I’m going to wait on the refi, with the 10YR at .5% 30 mortgages should be in a range of 2%-2.25%
IMO, this is wise. I wish I would’ve waited. Oh well, can’t win them all I suppose.
by regularguy455
Wed Mar 04, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46592

Re: 30 year mortgage under 3%

It’s amazing to me that it’s 2020 and only lenderfi is able to give good quotes without having to talk to anyone. I would think this would have been commoditized long time ago. American Federal Mortgage has been great. All contact through email. Very user friendly application and documentation proc...
by regularguy455
Wed Mar 04, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46592

Re: 30 year mortgage under 3%

It’s amazing to me that it’s 2020 and only lenderfi is able to give good quotes without having to talk to anyone. I would think this would have been commoditized long time ago. American Federal Mortgage has been great. All contact through email. Very user friendly application and documentation proc...
by regularguy455
Tue Mar 03, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: The unicorn mortgage: 30 year fixed under 3%
Replies: 90
Views: 15060

Re: The unicorn mortgage: 30 year fixed under 3%

It finally happened! When I heard the 50bps rate cut I started calling banks to refi my loan. It's currently 7/1 ARM at 3%, with 6 years and 8 months before the rate adjusts. And I locked in a 30 year fixed loan at 2.875% at zero costs! Zero lender fees, zero title insurance, and zero escrow. Appra...
by regularguy455
Tue Mar 03, 2020 7:46 am
Forum: Investing - Theory, News & General
Topic: The most valuable lesson in your investment career?
Replies: 87
Views: 4763

Re: The most valuable lesson in your investment career?

Speculating on uncertain outcomes is equivalent to gambling. Would you gamble with your retirement funds? Also, the biggest loser days are HIGHLY correlated with the biggest gainer days. If you jump out when markets dip, you could miss the upswing. It could take years to recover from that, so best t...
by regularguy455
Mon Mar 02, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4273
Views: 298663

Re: Refinance Mega Thread

Just got a quote from American Federal Mortgage Corp (via mtgprofessor.com).

3.0% 30 year - no points, no lender fees.

This must be close to, if not, the lowest 30 year in history.
by regularguy455
Sun Feb 16, 2020 7:33 am
Forum: Personal Consumer Issues
Topic: When will 5G be available in Rural US?
Replies: 70
Views: 4696

Re: When will 5G be available in Rural US?

I’d keep a closer eye on starlink. It has the potential to cover the globe in high speed internet. Imagine not relying on Verizon for internet and telephone service!

https://en.m.wikipedia.org/wiki/SpaceX_Starlink
by regularguy455
Sun Feb 09, 2020 11:01 am
Forum: Personal Investments
Topic: Include 529 in overall asset allocation??
Replies: 24
Views: 1396

Re: Include 529 in overall asset allocation??

I'm an outlier here in that I do include it. I worked with a financial planner from Vanguard who helped me come up with a plan and a target asset allocation. One reason I chose to include my 529 is that my retirement date is set to coincide pretty closely with when my kid will start college. +1 I’m...
by regularguy455
Sat Feb 01, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of DCFSA and Employer Subsidy
Replies: 1
Views: 150

Re: Tax implications of DCFSA and Employer Subsidy

I still didn’t find the specific rule but several websites seem to confirm DWs employer statement. It sounds like the best approach is to stay the course with the DCFSA. Any contributions that exceed the $5000 limit (DCFSA + Subsidy) would be caught with form 2441 and would be converted into taxable...
by regularguy455
Sat Feb 01, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of DCFSA and Employer Subsidy
Replies: 1
Views: 150

Tax implications of DCFSA and Employer Subsidy

Hey fellow boglers, DW has a fantastic employer that offers a straight cash subsidy for childcare. In the employee handbook, it says any cash received from this is subtracted from the DCFSA deferment. They didn’t cite the IRS rules for this and I couldn’t find it after some aggressive googling. Can ...
by regularguy455
Fri Jan 31, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: new toilet and old plumbing
Replies: 18
Views: 1391

Re: new toilet and old plumbing

Toilet replacements are relatively straight forward. You’d be surprised how little has changed over the years in toilet technology. I replaced an original toilet in my house (built in 1964) with a brand new Kohler toilet without an issue. All the bolts lined up and the wax seal works the same. Good ...
by regularguy455
Sun Jan 26, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Simple HRA question
Replies: 4
Views: 334

Re: Simple HRA question

I don’t like bumping but I’ll give it one last shot before I let the thread die.
by regularguy455
Sat Jan 25, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Simple HRA question
Replies: 4
Views: 334

Re: Simple HRA question

The topics I found were related to eligibility of having an HSA while one spouse used an HRA. There was some discussion around limited purpose vs general purpose HRAs. In my case, I’m pretty confident it’s a general purpose HRA as it can be used for “qualified medical expenses”. I didn’t see anythin...
by regularguy455
Sat Jan 25, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Simple HRA question
Replies: 4
Views: 334

Simple HRA question

Hey fellow Bogleheads, I have a simple question for you. DW and I have separate insurance plans through each employer. I have a well funded HRA. Can I use any of the funds to cover qualified medical expenses on her plan? Would also appreciate if you could point me to relevant IRS guidance. Thank you!
by regularguy455
Fri Jan 17, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Mazda CX-5 - seat comfort question?
Replies: 41
Views: 3912

Re: Mazda CX-5 - seat comfort question?

I have a 2015 Mazda6 Touring and I agree with discomfort in the seats. The leatherette does not breathe and the seats don’t have a lot of support for tall people IMO.
by regularguy455
Sat Jan 04, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Fix or sell 2002 Honda Odyssey with 261k miles?
Replies: 21
Views: 1859

Re: Fix or sell 2002 Honda Odyssey with 261k miles?

It had a good run. Time for a new car. I would even consider buying new since you kept it so long.