Search found 15 matches

by Hastelloy
Sun Oct 06, 2019 5:26 pm
Forum: Personal Investments
Topic: Employer switching to higher fee 401k admin. What would you do?
Replies: 46
Views: 3448

Employer switching to higher fee 401k admin. What would you do?

My employer is switching our 401k plan administrators from Vanguard to Voya Financial. From everything I have read, this could be a very bad deal- Voya appears to have dramatically higher fees across the board, and I have very much enjoyed my experience with Vanguard. I'm unsure which funds I will h...
by Hastelloy
Mon Aug 19, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14478

Re: Anyone retire in their 30s?

Nathan, You're not alone, I'm on the same trajectory and fully plan on making radical changes as soon as I hit my number in 4 years or so. I don't plan on sitting in front of a television after I leave the 9-5, though I think that is a real hazard for some. Make sure it doesn't happen to you. I plan...
by Hastelloy
Mon Jul 22, 2019 3:36 pm
Forum: Personal Investments
Topic: Looking for Bay Area Boglehead Advisor
Replies: 1
Views: 263

Looking for Bay Area Boglehead Advisor

A dear friend of mine who recently began working for the California public school system asked me to help her review her finances and retirement options. I agreed to help, though after a quick scan of her situation, I realized that she may have been taken advantage of by a predatory private third pa...
by Hastelloy
Sat Feb 23, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Have you read "The Theory of the Leisure Class"? If so, what effect did it have on you?
Replies: 4
Views: 1202

Have you read "The Theory of the Leisure Class"? If so, what effect did it have on you?

The economist Thorstein Veblen's 1899 smash hit "The Theory of the Leisure Class" is having a huge effect on me in a way that I did not anticipate. I lazily picked up this book on my day off and through his outlay of the blueprints of human motivation, it has proceeded to disrupt much of what I unqu...
by Hastelloy
Tue Jan 22, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason not to have power of attorney?
Replies: 2
Views: 434

Any reason not to have power of attorney?

My sister travels a lot out of the country to work on engineering projects and she doesn't have a reliable permanent address here in the US because she's always moving around for work. She's asked me to have power of attorney so I can help her out while she's gone (help with car related stuff, accou...
by Hastelloy
Wed Nov 28, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Charity in the accumulation phase- Now vs. Later
Replies: 24
Views: 1035

Re: Charity in the accumulation phase- Now vs. Later

Thank you everyone for the advice- I agree there is a middle-of-the-road approach that is probably best. This year I will start making charitable donations (monetary and time) more of a priority. Now to sift through an endless sea of worthy causes! Narrator: ...and thus Hastelloy learned the true me...
by Hastelloy
Wed Nov 28, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Charity in the accumulation phase- Now vs. Later
Replies: 24
Views: 1035

Re: Charity in the accumulation phase- Now vs. Later

Yes, can accurately verify $15,000 annual expenses in VHCOL area.
by Hastelloy
Wed Nov 28, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Charity in the accumulation phase- Now vs. Later
Replies: 24
Views: 1035

Charity in the accumulation phase- Now vs. Later

Philanthropy and volunteering are some of my biggest reasons for wanting to reach FI and/or retire early. I'm incredibly lucky to be born in this time and place and in these circumstances. I'm wondering if I'm actually being selfish in the process by deferring meaningful money contributions until I ...
by Hastelloy
Thu Nov 15, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Did millennials really get the short straw?
Replies: 16
Views: 2294

Did millennials really get the short straw?

Despite all the debate about whether or not millennials have indeed gotten a rotten deal economically compared to previous generations, it seems that this question should be fairly straightforward to answer. Most information online seems to be skewed by emotional biases on both sides, but one thing ...
by Hastelloy
Fri Jul 27, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 227
Views: 14170

Re: Toughest Purchase of my Life. Engagement Ring time

As an aerospace machinist, the least I can do is assure you that no diamond is perfectly symmetrical.
by Hastelloy
Tue Jun 05, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 9785

Re: Don't make the mistake I made (Telemarketing hell)

I'm on the do not call list.. I think there are exceptions made for certain industries or circumstances. It's my own fault, really. But still, I feel violated when these people call me.
by Hastelloy
Tue Jun 05, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 9785

Don't make the mistake I made (Telemarketing hell)

As part of my research for ballparking retirement/FI goals, I decided to peruse the options for health insurance through the official Covered California website. The quick and easy application to view the all available options required only a few personal details, one of which was my phone number. S...
by Hastelloy
Tue Aug 15, 2017 7:21 pm
Forum: Personal Investments
Topic: Any reason I shouldn't sell USSPX for VTI instead?
Replies: 2
Views: 482

Any reason I shouldn't sell USSPX for VTI instead?

I have about $45,000 in USSPX which has an expense ratio of .25%. I'd like to move these funds to something with lower costs like VTI (.04%). Should I be concerned about the tax implications of such a move? Is there anything else I should be aware of, or any reason I shouldn't make this move? Thanks...
by Hastelloy
Fri Aug 04, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 2682

Re: Car accident: insurance or self-pay?

OP- file a claim. Switch to another insurance provider the moment they try to increase your premiums.
Is there any downside to doing this?
by Hastelloy
Fri Jul 28, 2017 11:17 am
Forum: Personal Investments
Topic: Awarded stock; sell and diversify?
Replies: 27
Views: 2152

Awarded stock; sell and diversify?

I was recently hired by a major Bay Area tech company and was awarded about $130,000 worth of stock as part of my compensation that will vest over a period of 5 years or so. The stock has very performed very well historically and the company is very forward thinking and on the cusp of many new and e...