Search found 138 matches

by raisinsaregrapes
Tue Mar 02, 2021 2:00 am
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 37
Views: 2294

Re: Air Purifier

Honeywell HPA200 one in each bedroom for allergies. Works great.
by raisinsaregrapes
Sun Feb 14, 2021 4:04 am
Forum: Investing - Theory, News & General
Topic: The premise of the "emergency fund" is flawed
Replies: 559
Views: 29283

Re: The premise of the "emergency fund" is flawed

Well, apparently people define EF very differently. Confusing. Checks. I don't think the premise of the EF is flawed because my EF is just part of my financial strategy. I use my EF for daily and unexpected expenses. I don't want to transfer from taxable every time I have a major car issue, or take...
by raisinsaregrapes
Sun Feb 07, 2021 7:20 am
Forum: Personal Consumer Issues
Topic: Return to office after covid shutdowns
Replies: 183
Views: 7293

Re: Return to office after covid shutdowns

I hate working from home. I like my work to be work and home to be home.
by raisinsaregrapes
Fri Feb 05, 2021 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or make rental?
Replies: 31
Views: 2116

Re: Sell or make rental?

Single family home? I would sell. Take advantage of as much capital gains tax stuff for primary residence and forget about it. Unless you plan to go back someday. I have a single family rental that I've been renting out for about 5-6 years. It's worked out great financially but only if you count app...
by raisinsaregrapes
Fri Feb 05, 2021 8:14 pm
Forum: Investing - Theory, News & General
Topic: Has Bogleheads lost its direction?
Replies: 331
Views: 29537

Re: Has Bogleheads lost its direction?

I like just the forum 💎🤲🚀🚀🚀 This is the way. In all seriousness the Boglehead ways as so simple that they don't even need a forum. I find that is the beauty of it. Discussions on the forum are a great way to bring in outsiders that may not have ever considered passive simplicity. In the end we are ...
by raisinsaregrapes
Tue Mar 31, 2020 3:20 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56889

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

Military airlift pilot here and wife is stay-at-home-mom. Our finances are thus far untouched, but we will see if the renters can pay rent this next month. We are usually the most busy when times are the most crazy, but the schedule has been light. I guess they don't want us bouncing around the glob...
by raisinsaregrapes
Tue Mar 31, 2020 3:04 am
Forum: Investing - Theory, News & General
Topic: Stock buybacks question
Replies: 3
Views: 233

Stock buybacks question

Do the shares just disappear into the company? Would it be super cool if the company that has been buying back shares for 10 years could sell them back to the public to raise cash in times when the company may need cash?

-Bob
by raisinsaregrapes
Sat Mar 14, 2020 3:47 pm
Forum: Investing - Theory, News & General
Topic: Over Rebalancing.
Replies: 19
Views: 1514

Re: Over Rebalancing.

I would be curious how back testing looks. My IPS does not address when to rebalance, but only target allocations. We are emotional beings, and if rebalancing can be an emotional outlet to market uncertainties I would like to see worst case scenario numbers. What are long term portfolio effects if y...
by raisinsaregrapes
Thu Jan 09, 2020 1:13 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178619

Re: What frugal thing did you do today?

I packed up all my things and put them in a storage unit. Got rid of all rent and utility payments. Moved my family in with the in-laws and deployed to a 3rd world country were I would have pretty much zero expenses...... The little things add up. :| I like to stretch a dollar as much as the next f...
by raisinsaregrapes
Thu Jan 03, 2019 12:09 am
Forum: Personal Investments
Topic: Safe/effective 3 to 6 year investment
Replies: 5
Views: 777

Safe/effective 3 to 6 year investment

I am planning on buying some safe investments (to supplement an EF) to have on hand during a job transition coming up in about 3 years (getting out of active duty). I was thinking on buying some I Bonds on TreasuryDirect, but I have heard some bad reviews of the website. Any suggestions? Needs to be...
by raisinsaregrapes
Sat Dec 22, 2018 3:14 am
Forum: Personal Finance (Not Investing)
Topic: Financial Speedbumps
Replies: 2
Views: 739

Financial Speedbumps

How do you deal with your financial speed bumps? Here is what our life has looked like for the last few months. 1) Recently moved to Hawaii via the military, fun times, but a stressful PCS. We are spending a decent amount of money for hotels as we wait for the on-base house that works best for our f...
by raisinsaregrapes
Sun Sep 02, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 53854

Re: Lucrative careers?

Military officer. Any degree needed. You will eventually get to an equivalent 6 figures at around the 10-12 year point if you make Major. Not an easy life, you will certainly earn your wage. At your age time is not exactly on your side.
by raisinsaregrapes
Sun Sep 02, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis - Mortgage, Emergency Fund, etc.
Replies: 51
Views: 4953

Re: Analysis Paralysis - Mortgage, Emergency Fund, etc.

If all the options are healthy, choose what you want rather than the most healthy. What are you most passionate at getting done regardless of the "math". I love math, but I really wanted to pay off the mortgage. I became mildly obsessed. Because I was focused on getting rid of the mortgage...
by raisinsaregrapes
Mon Aug 20, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in Investments to pay off mortgage?
Replies: 5
Views: 892

Re: Cash in Investments to pay off mortgage?

If you do you will have less liquidity, but you will have more cash flow. I like having enough liquidity and then boost cashflow as much as possible. So I did sell some investments to pay off the mortgage.
by raisinsaregrapes
Thu Aug 16, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Experian email alert! "Your score decreased"
Replies: 37
Views: 7483

Re: Experian email alert! "Your score decreased"

My score went way down when we paid off the mortgage....
by raisinsaregrapes
Thu Aug 16, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6699

Re: Savings rate per month???

55% is the standard. It fluctuates with life (eg. lowers during months with vacations).
by raisinsaregrapes
Sun Jul 22, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: My BH Experience
Replies: 1
Views: 556

My BH Experience

Not sure if other share similar experience, but I found this site about a year ago and did lots of reading and learning. I setup a 3 fund portfolio and a target allocation plan in excel that shows how to keep everything in balance. Then put some automatic transactions in place, and paid off the mort...
by raisinsaregrapes
Mon Jul 09, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Home Rental application questions
Replies: 12
Views: 1710

Re: Home Rental application questions

I got pay stubs from my renters and a phone call to previous landlord. I also had a face to face walk through to get to know them a bit. During the walk through they told me about some financial hardship in the past that would reflect poorly in a credit report. They seemed like honest people and I n...
by raisinsaregrapes
Sun Apr 22, 2018 1:43 pm
Forum: Personal Investments
Topic: Investing to buy first home
Replies: 5
Views: 753

Re: Investing to buy first home

I would put down payment savings into CDs or a taxable brokerage.
by raisinsaregrapes
Tue Apr 17, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: [How should I pay off my mortgage?]
Replies: 11
Views: 1920

Re: [How should I pay off my mortgage?]

We recently paid ours off, it was great. But my job is so secure that I can't quit, and paying off the house was part of the of separating-from-the-military-plan. In your shoes I would probably heavily invest in taxable until I have the funds to pay it off all at once. If your job goes away before t...
by raisinsaregrapes
Sat Apr 07, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: I have the basics down, now what to prioritize? (401k, student loans, etc)
Replies: 18
Views: 2357

Re: I have the basics down, now what to prioritize? (401k, student loans, etc)

Airline pilot. (Aka financial nightmare for the first 10-15 years unless you come out of flight school without debt.) That was my guess from your previous posts. I'm a heavy driver in the AF with my sights set on the airlines, congrats on getting picked up with what appears to be a major. Do you co...
by raisinsaregrapes
Wed Apr 04, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: I have the basics down, now what to prioritize? (401k, student loans, etc)
Replies: 18
Views: 2357

Re: I have the basics down, now what to prioritize? (401k, student loans, etc)

airborne wrote: Wed Mar 21, 2018 9:59 pm however I feel like my career is a bit uncommon with respect to income progression and the defined contribution plans.
What is your career field?
by raisinsaregrapes
Tue Apr 03, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 8402

Re: Sad because I did not know what I was doing with inheritance

I had a decent amount of money in a high cost Metal/Mineral fund from about 2012-2016, I sank with the ship. When I finally found this place and went to a three fund I called the bank to transfer to Vanguard, the financial advisor on the other end said, "Why did you have money in that fund? We ...
by raisinsaregrapes
Mon Apr 02, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage paid off.
Replies: 8
Views: 2585

Re: Mortgage paid off.

Congrats. How many years did it take to payoff? About 6 years. Put some extra towards it over the years, and realized a few months ago if I sold some investments from taxable it could be gone quick. My income isn't super high so I didn't have to pay much tax for the investment sale, most was 0% LTCG.
by raisinsaregrapes
Mon Apr 02, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage paid off.
Replies: 8
Views: 2585

Mortgage paid off.

Image

This was the view of my mortgage loan on my rental house. One step closer to transitioning out of the military. Now I have about 3 years to save up a good chunk of cash/investments then move into a paid for house and start looking for a civilian job.
by raisinsaregrapes
Sun Mar 25, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: New car?
Replies: 49
Views: 5286

Re: New car?

My wife cares about AC and stuff like that too. It's so lame. :wink: But on a serious note I probably would buy her the new car if that is what she wants and you can afford it. My wife has the only new car I have ever bought. I drive the 250k mile old school pickup, and the AC has been out since 200...
by raisinsaregrapes
Sat Mar 24, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 2612

Re: Recently Engaged, Considering Joint Account(s)

When we were engaged we had separate accounts. Once married it became one joint account. We also got married in college, so it's not like we had any money anyways...
by raisinsaregrapes
Thu Mar 22, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 21361

Re: Are we missing recession /bear market beginning

Maybe. Don't care. Wont change my plan.
by raisinsaregrapes
Thu Mar 22, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 10739

Re: What Budget? Do you keep one?

We don't really keep a detailed budget. We have an idea of big picture spending, but no budget. Maybe do one someday, but as we are saving about 40-50% of income I don't see an urgent need.
by raisinsaregrapes
Tue Mar 20, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 5573

Re: Home equity as part of retirement plan

If it is paid off then your post retirement expenses would be less than if you had to pay rent/mortgage. Thus lowering the amount of income generating assets needed. If you just have equity I don't see how that can help you unless you sell.
by raisinsaregrapes
Tue Mar 20, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: How to keep track of Roth cost basis?
Replies: 13
Views: 2926

Re: How to keep track of Roth cost basis?

I don't keep good records of Roth basis. I don't plan on taking out the money till I'm over 60.
by raisinsaregrapes
Tue Mar 20, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: If you thought you were going to get laid off wwyd? [What would you do]
Replies: 32
Views: 3497

Re: If you thought you were going to get laid off wwyd?

Plus if you resign that may affect severance/unemployment. Seems like a bad idea.
by raisinsaregrapes
Mon Mar 19, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 10436

Re: At what point does it make sense to pay down your mortgage?

Paying off debt is a guaranteed return. It makes sense whenever you decide. Someone a few posts up mentioned the "Personal" in personal finance; I liked that.
by raisinsaregrapes
Sun Mar 18, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 11537

Re: Incredibly sleazy Northwestern Mutual cold caller

I once had a 20 min conversation with a door to door cable salesman. The conversation went all over the place and he seemed like a good dude. In the end he couldn't beat the month to month price of an attic antenna (free).
by raisinsaregrapes
Sat Mar 17, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 249
Views: 41853

Re: Those with high savings rate: why?

I want to buy some water front property some day to retire on. A permanent vacation for retirement.
by raisinsaregrapes
Thu Mar 15, 2018 11:40 pm
Forum: Personal Investments
Topic: Selling investments to pay down mortgage
Replies: 10
Views: 1240

Re: Selling investments to pay down mortgage

I did that recently. Sold about 50k in a taxable investment account. STCG were minimal and I was below the income limit for LTCG. I would not have done it if taxes were significant. Try to minimize taxes if possible.
by raisinsaregrapes
Wed Mar 14, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: What address do people put if they live in their car?
Replies: 37
Views: 6511

Re: What address do people put if they live in their car?

I would get a PO Box if you expect to need to receive sensitive mail. If you don't expect getting anything important then "General Delivery" at a local post office would work.
by raisinsaregrapes
Thu Mar 08, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 760K home
Replies: 32
Views: 4033

Re: Can we afford a 760K home

I would sell the apartment and buy the house if that is where you want to go. Unless you have lots of deductions (costs) on the rental you will have to pay taxes on the rental proceeds. Selling the apt will allow you to have a smaller mortgage.
by raisinsaregrapes
Wed Mar 07, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Contribute $43K to shed $8K on Tax Bill....Does it make sense?
Replies: 12
Views: 1600

Re: Contribute $43K to shed $8K on Tax Bill....Does it make sense?

I would harvest the 43k regardless since no capitol gains taxes.
by raisinsaregrapes
Mon Mar 05, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: When do you book your vacation? [Skiing]
Replies: 8
Views: 1055

Re: When do you book your vacation? [Skiing]

I always try to book 5-6 months out. I like to have plans in place. I would rather have it done than wait for the deals, if I book it I can forget about it.
by raisinsaregrapes
Mon Mar 05, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 46
Views: 7762

Re: Is it "cute" to invest in sector funds?

Is this a sensible way to try to beat the S&P 500 benchmark or would it be a cute attempt that ultimately fails? It's not sensible. You'll inevitably find yourself with money in a crappy sector because you think it's going to do well; you'll miss out on the market gains because you were in a cr...
by raisinsaregrapes
Mon Mar 05, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: New Kid Expenses
Replies: 31
Views: 3082

Re: New Kid Expenses

HardHitter wrote: Sun Mar 04, 2018 6:32 pm Income from my wife's job is slightly over the cost of what daycare would be assuming it was $3K/mo daycare so again, it all depends on what we value more.
If you end up needing 3k/mo in daycare and your wife brings in 3k/mo then it's a net loss after paying taxes on her income.
by raisinsaregrapes
Sat Mar 03, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Housing Budget Check (paging Watty / KlangFool)
Replies: 86
Views: 9319

Re: Housing Budget Check (paging Watty / KlangFool)

Having a kid is going to completely change your life, but you have the cash to go buy the house you want. The only issue I see is the timeline.
topofthebellcurve wrote: Fri Mar 02, 2018 10:23 pm ...close on a house in 3-4 weeks, have another month before the baby...
I wouldn't force a short timeline on something big.
by raisinsaregrapes
Fri Mar 02, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I finance part of my car purchase?
Replies: 4
Views: 681

Re: Should I finance part of my car purchase?

I wouldn't. I would probably just wait another month or 2 of saving to keep up my EF
by raisinsaregrapes
Thu Mar 01, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Townhouse
Replies: 36
Views: 4226

Re: House vs Condo vs Townhouse

I like having a house, sometimes it's just nice sitting outside. Having good neighbors will be the trump card to any option; a good friend next door is priceless.
by raisinsaregrapes
Thu Mar 01, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Balancing Investing and Saving for a House??
Replies: 14
Views: 1954

Re: Balancing Investing and Saving for a House??

I would set a date that you want to buy the house, guess the size of downpayment, then do some math and see if you need to focus on saving for down payment.
by raisinsaregrapes
Wed Feb 28, 2018 11:04 pm
Forum: Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 11768

Re: Should I bite the bullet and invest in this market?

Sounds like you need to write down your strategy. Investment policy statement (IPS)?
by raisinsaregrapes
Wed Feb 28, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Move to Orange County
Replies: 50
Views: 5909

Re: Move to Orange County

kenyan wrote: Wed Feb 28, 2018 8:33 pm You can certainly live a Boglehead life on that income, without kids, in OC.
also possible with kids...