Search found 28 matches

by CryingHawaiian
Mon Nov 11, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 7143

Re: "Beer Money" Methods

There seems to be a lot of tongue in cheek responses to this, ^^^ literally ^^^ and figuratively, which is surprising considering the lean towards frugality on these boards. For those questioning Bing rewards, it takes me ~90 seconds to do my daily searches, which averages out to around $10 per hour...
by CryingHawaiian
Wed Nov 06, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 7143

"Beer Money" Methods

Aside from credit card rewards and checking/savings account signup bonuses, are there any ways you accumulate small gifts/rewards with minimal effort? Example: With Bing Rewards, I redeem about $100 a year in Amazon gift cards from their Rewards program for using bing.com to do 30 internet searches ...
by CryingHawaiian
Fri Nov 01, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 586
Views: 79009

Re: Flaunt Your High-Mileage Car

96 camry. 48k miles ;)
by CryingHawaiian
Fri Oct 25, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 5101

Re: First Republic Bank doesn’t have physical coins

Over the years, in doing balancing and auditing, I have often found that pennies are your friend! For example, a balancing discrepancy of, say, $0.03 - could actually be an error of $99,97 in one direction and three cents in another. Slightly off topic - I believe the US should: 1. Eliminate the pe...
by CryingHawaiian
Thu Oct 24, 2019 1:45 pm
Forum: Personal Investments
Topic: 29 Year Old with Low Income, HCOL, Large LTCG
Replies: 12
Views: 1590

Re: 29 Year Old with Low Income, HCOL, Large LTCG

Paypal (11%), IBM (7%), and eBay (4%). It's funny you ask because i just checked today and my answer would have been different yesterday (PayPal is up 8% as of last check while eBay is down 9%). That (eBay down 9%) could be an excellent opportunity to do some tax-loss harvesting and put those proce...
by CryingHawaiian
Thu Oct 24, 2019 1:20 pm
Forum: Personal Investments
Topic: 29 Year Old with Low Income, HCOL, Large LTCG
Replies: 12
Views: 1590

Re: 29 Year Old with Low Income, HCOL, Large LTCG

Thank you all very much for the feedback and advice. My questions to you: What are the three positions? Why do you hold both the S&P 500 index fund and the Total Stock Market Fund in your taxable account? Paypal (11%), IBM (7%), and eBay (4%). It's funny you ask because i just checked today and my a...
by CryingHawaiian
Thu Oct 24, 2019 1:18 am
Forum: Personal Investments
Topic: 29 Year Old with Low Income, HCOL, Large LTCG
Replies: 12
Views: 1590

29 Year Old with Low Income, HCOL, Large LTCG

Hi Bogleheads, I've posted a few questions over the past few years asking for help and the forums have been a wonderful source of help. I've used most of the advice but have been too hesitant and hands off to make some important financial moves that I'm convinced I need to make based on extensive fo...
by CryingHawaiian
Fri Sep 27, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7444

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

WCI, As a 29 year old male living comfortably living in Honolulu on $62K a year while maxing out Roth IRA and 401k contributions, I say to your reader - Boo freaking hoo. I wonder if she has actually done anywhere close to due diligence on what it costs to live here or even made an attempt to evalu...
by CryingHawaiian
Fri Sep 27, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7444

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

WCI, As a 29 year old male living comfortably living in Honolulu on $62K a year while maxing out Roth IRA and 401k contributions, I say to your reader - Boo freaking hoo. I wonder if she has actually done anywhere close to due diligence on what it costs to live here or even made an attempt to evalua...
by CryingHawaiian
Thu Jan 17, 2019 4:48 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58163

Re: John Bogle has died at age 89

Thank you for everything Mr. Bogle
by CryingHawaiian
Thu Dec 27, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle? Passive Income?
Replies: 71
Views: 9792

Re: Side Hustle? Passive Income?

I’m a huge hockey fan and love playing. Decided to try refereeing for a season. Paid 50-60 per game in my area and there were numerous rinks within a 20 min drive from home. Ultimately I wanted my weekends back from screaming parents who think their child is the next Wayne Gretzky. Couldn’t pay me e...
by CryingHawaiian
Sat Dec 22, 2018 2:21 am
Forum: Personal Consumer Issues
Topic: MoviePass Update
Replies: 16
Views: 1944

Re: MoviePass Update

anonenigma wrote:
Fri Dec 21, 2018 11:06 pm
The decline in the stock value of HMNY (MoviePass's parent) has been precipitous - a $7.25 million award to a top exec is now worth under $50.
After the past few weeks of watching unrealized gains turn to unrealized losses, this is strangely comforting. Does that make me a jerk?
by CryingHawaiian
Sat Dec 22, 2018 1:42 am
Forum: Investing - Theory, News & General
Topic: Percentage of Net Worth in Equities
Replies: 23
Views: 2105

Re: Percentage of Net Worth in Equities

I’m at around 80% right now which is what I wanted my AA to be at the beginning of this year. At the beginning of October I think I was up to 90%. Bear market is doing me a favor by instantly dropping me down to my desired AA. I think I’m learning a lesson but I wish it wasn’t such an expensive one....
by CryingHawaiian
Thu Jun 07, 2018 1:38 pm
Forum: Personal Investments
Topic: Adjusting Positions from UTMA
Replies: 8
Views: 624

Re: Adjusting Positions from UTMA

My current income is $65K per year and the gifted shares total ~$155K with $137K in unrealized long term capital gains. My desired AA between stocks/bonds/cash is currently where I want it to be, so can I just sell off these three stocks and switch them to Index Funds? You could do that, but you wo...
by CryingHawaiian
Wed Jun 06, 2018 2:27 pm
Forum: Personal Investments
Topic: Adjusting Positions from UTMA
Replies: 8
Views: 624

Adjusting Positions from UTMA

I’ve been fortunate enough to have been gifted shares from successful stocks through an UTMA that i haven’t paid attention to for 10 years since it was legally transferred over to me. I’m hoping to get some advice on what to do with these gifted shares. I foolishly wasn’t paying attention to them be...
by CryingHawaiian
Thu Feb 08, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147080

Re: U.S. stocks in freefall

Correct me if I am wrong, but even after all of this we STILL haven't had an actual correction (10% drop), but it is extremely close. Yup. Looks like under 2% needed for a 10% drop for the S&P 500. after watching the S&P fall by 1.5% over the course of 20 minutes, we should hit it tomorrow. Weeeeee...
by CryingHawaiian
Wed Jan 31, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 6824

Re: Your favorite beach vacation destination?

MP123 wrote:
Fri Jan 26, 2018 10:45 pm
Hawaii has many charms but the beaches tend to be small and rocky Waikiki excepted.
Just curious if you actually tried any beaches other than Waikiki and Ala Moana
by CryingHawaiian
Wed Jan 31, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1160
Views: 130308

Re: What frugal thing did you do today?

Road my bike to work, same as every non-rainy day. Saves between $12-15 per day or $200-$300 per month compared to paying for parking
by CryingHawaiian
Thu Jan 25, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Diary of a Bear Market
Replies: 24
Views: 3552

Re: Diary of a Bear Market

Pretty interesting stuff... June 7 (Dow, 910) A curious new type of mutual fund debuts, based on the disappointment investors feel when their professional money manager can't beat the market averages. Says the Wall Street Journal: “It isn't expected that the new-style portfolios, dubbed ‘index funds...
by CryingHawaiian
Thu Jan 25, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 28456

Re: 401k millionaires

I wonder what percentage of people with access to a 401k are maxing it out though? It's got to be low single digits. The median household income in the US is ~$55k. As a family income there is no way most people can max out a 401k. Just for fun: Let's say that the median household is able to save 1...
by CryingHawaiian
Wed Jan 17, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 55
Views: 5100

Re: How to overcome the fear of spending money? (Buying a car)

Does it have to be new? Compromise and spend $10-12k on a nice used one. I think there are a lot of lightly used, driven only in the summer cars with low miles. There is one with 36k miles for $9k on our Craigslist and we are in a small town. Every dollar you spend IS delaying your retirement. If y...
by CryingHawaiian
Tue Jan 16, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 18831

Re: Can We Retire in Hawaii? Please Critique

Sonny and Cher: Scrimp for 2-3 years to afford a vacation in Europe . Captain and Tennille: Scrimp for 2-3 years to afford a vacation to Asia and Europe . maybe i don't understand this because i've only lived here for a little under a year, but why would you save up for a vacation when you live in ...
by CryingHawaiian
Fri Dec 22, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 9044

Re: Saving for the crash

I like holding cash right now. Short term rates are almost surely heading higher. Bonds and stocks are expensive. Let's check back in a year. I loved reading your 'A different approach to asset allocation' post the other day and was glad to hear you're doing well after all of these years. It's refr...
by CryingHawaiian
Tue Dec 19, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 14225

Re: Help Me Cash Out My Bitcoin!

Veiled wrote:
Mon Dec 18, 2017 12:03 am
As I understand it, this is part of the reason cryptocurrencies (or at least bitcoin) will inevitably depreciate.
why would this cause it to depreciate? If anything, wouldn't less of an available supply of bitcoins cause prices to increase?
by CryingHawaiian
Tue Dec 12, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: NBA Tickets
Replies: 24
Views: 2005

Re: NBA Tickets

as others have said I'm a fan of stubhub.

My family has season tickets and we often end up selling last minute games we can't go to on stubhub. They charge the buyer 15% fees and the seller 10% fees, so if you can find a trustworthy person on Craigslist that would be even cheaper.
by CryingHawaiian
Tue Dec 12, 2017 2:47 pm
Forum: Personal Investments
Topic: Liquidating Taxable Account to Fund Roth IRA?
Replies: 3
Views: 807

Liquidating Taxable Account to Fund Roth IRA?

Hi all, Was wondering if I could get some input/advice on how to fund my Roth IRA contributions for next year. I want to be able to contribute the maximum annual amount to my Roth IRA in January. I'm currently debating funding it by either liquidating my taxable brokerage account or using funds from...
by CryingHawaiian
Thu Nov 09, 2017 8:46 pm
Forum: Personal Investments
Topic: New [Member] Portfolio Advice
Replies: 5
Views: 620

Re: New [Member] Portfolio Advice

You generally would not want to buy Total Bond Market in a taxable account and hold it long term. Is the money in the savings account from income or a windfall (such as an inheritance or settlement)? If I was 27 I'd be: - building an emergency fund (also to pay for things like a new car, home down ...
by CryingHawaiian
Thu Nov 09, 2017 3:26 pm
Forum: Personal Investments
Topic: New [Member] Portfolio Advice
Replies: 5
Views: 620

New [Member] Portfolio Advice

Hello all, I just finished reading Bogleheads Guide to Investing and am sold on creating a new portfolio with low-cost index funds for the purpose of long-term retirement investing. I'm 27, have $43K in a roth IRA with 82% in stocks and 18% in bonds, and am looking to invest an additional $170K that...