Search found 58 matches

by Sasquatch
Thu Jun 21, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 52
Views: 4220

Re: Do you invest in Real Estate ? Why ?

Yes, 1 residential. Its been great since I bought the property 13yrs ago. I have it professionally managed. The property has doubled in value since I purchased it and I have pulled probably $200k in rents out of it in that time as well. The ROI isnt the strongest in my portfolio but I like the diver...
by Sasquatch
Thu Jun 21, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Hands-free solutions
Replies: 15
Views: 494

Re: Hands-free solutions

I bought a new JVC head unit for my 2006 truck. It has Bluetooth built in so I have hands free. Nice to be able to stream music from my iPhone too.

The stereo shop where I bought it set up all the features and paired it to my phone. Super easy to use.
by Sasquatch
Wed Jun 20, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: I don't trust my own estimate of expenses
Replies: 28
Views: 2004

Re: I don't trust my own estimate of expenses

I like Quicken for Mac. We have a budget set up. Every week or so download transactions to Quicken and categorize them. Look at budget and view progress to plan and that’s it.
by Sasquatch
Tue Jun 19, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: SleepScore App
Replies: 11
Views: 1093

Re: SleepScore App

I went to a “sleep medicine” MD who ordered a sleep study. It was helpful in figuring out my sleep problems.
by Sasquatch
Tue Jun 19, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Could somebody explain this to me please?
Replies: 3
Views: 926

Re: Could somebody explain this to me please?

I'm not sure what you mean by a "total bond" AA. If you mean a holding of a diversified collection of bonds such as Vanguard Total Bond Market Index Fund, then no, this fund is not like that. Yes, I meant Vanguard Total Bond Market Index Fund when refering to “total bond AA” Thank you for your reply
by Sasquatch
Tue Jun 19, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Could somebody explain this to me please?
Replies: 3
Views: 926

Could somebody explain this to me please?

http://www3.troweprice.com/rws/rps/publ ... fs/CPP.pdf

What are "investment contracts"

Says the benchmark is "Citi treasury bill 3mo"

fund is 93% Bonds. Does this fund have a place in total bond AA?

Thanks
by Sasquatch
Mon Jun 18, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 58
Views: 4622

Re: What are your hobbies?

Thanks to all for the replies! Very helpful I think I am going to try: Revisit pickle ball. I enjoyed it in my youth. Theres a pickle ball club where I exercise I already do yoga 3xweek as part of my exercise regimen. Good stuff Building and using RC cars or planes I’ve already built one computer. M...
by Sasquatch
Mon Jun 18, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retire at 50: Should I?
Replies: 74
Views: 8733

Re: Retire at 50: Should I?

Congratulations on your great success! 51 y.o. Here punching out at $2.2M. 3.5 WR including state/fed tax, a fat healthcare budget, and fund expense ratios. 50/40/10 AA. Looks like you have done your due diligence. There are many,many people on this forum smarter and more experienced than me but I s...
by Sasquatch
Mon Jun 18, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Having a hard time pulling the trigger...
Replies: 25
Views: 2358

Re: Having a hard time pulling the trigger...

I'm resisting the urge to go buy a Ferrari, I’m gonna get some heat on this one but go buy yourself a used 360 Modena and play with it a couple of years then sell it. I spent my 30s and 40s saving like a maniac. I regret not having a little fun along the way. I do stress the phrase “a little fun”. ...
by Sasquatch
Mon Jun 18, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 48
Views: 2942

Re: "distilled" water for wife's CPAP machine

For me a couple of bucks a month is not worth the risk of a respiratory infection. I use distilled exclusively.
by Sasquatch
Sun Jun 17, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of using CPA for taxes
Replies: 27
Views: 3223

Re: Benefits of using CPA for taxes

I have a good relationship with my CPA and for me it’s worth every penny. Dividends, RSUs, depreciation schedules on real estate, 1031 exchanges, too much for me to handle. Any time I have a tax impact question he is a phone call or email away and I never get a bill except the one time charge for th...
by Sasquatch
Sat Jun 16, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7309

Re: I feel like selling my 3 fund

Stay the course. Dollar cost average buying on a consistent basis. Be diciplined and you will be rewarded long term
by Sasquatch
Sat Jun 16, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 58
Views: 4622

What are your hobbies?

I did not want to derail the thread “Life in retirement-what did you do today?” So I started another to drill down on hobbies. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=251415&p=3975855&hilit=What+did+you+do+today#p3975855 I am happy I left my job for ER. However, I worked so much at my ...
by Sasquatch
Sat Jun 16, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

I just bought a used 2015 MacBook Pro 13” for $600 shipped. I like it a lot so far. Retina screen and non-butterfly keyboard. i5 and SSD plenty fast for my needs.
by Sasquatch
Sat Jun 16, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 10
Views: 1153

Re: Hearing aids

I just got my first pair of hearing aids yesterday. I wanted to go with Costco but they dont carry CROS systems for single sided deafness so I had to go to an independent local dealer. Insurance paid $1750 and I had about $900 out of pocket.I got Phonak brand and I am shocked at how well they work....
by Sasquatch
Fri Jun 15, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 10
Views: 1153

Re: Hearing aids

I just got my first pair of hearing aids yesterday. I wanted to go with Costco but they dont carry CROS systems for single sided deafness so I had to go to an independent local dealer. Insurance paid $1750 and I had about $900 out of pocket.I got Phonak brand and I am shocked at how well they work. ...
by Sasquatch
Thu Jun 14, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund analysis tool
Replies: 2
Views: 223

Re: Mutual fund analysis tool

Thankyou Alex,

Is there a tool to track underlying index?
by Sasquatch
Thu Jun 14, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Mutual fund analysis tool
Replies: 2
Views: 223

Mutual fund analysis tool

Hello all, I am looking for a tool that will let me look back to 2007 to see how much each individual offering in my 401k performed. One of the issues is the tickers don’t seem to be tracked by Morningstar, big charts, etc. I am guessing it is because they are institutional funds? An example would b...
by Sasquatch
Mon Jun 11, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 1890

Re: 2018 RAV 4 or Camry

The Camry is very low. That is a natural barrier for tall people or those who are not limber and fit. I like our Subaru Outback. Sits up a little higher, easier to sit down. 6'8 tall and there is a surprising amount of leg room. Not trying to sway you from a Toyota product as they are excellent. I ...
by Sasquatch
Mon Jun 11, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k bond fund: Advise
Replies: 6
Views: 334

Re: Which 401k bond fund: Advise

I presently have about $1.6M of our $2.2M 401k in a stable value fund "capital preservation portfolio" I recently moved into this fund as we had a very high concentration of company stock I wanted to liquidate heading into retirement. CPP is has been returning about 2.2% annually with at 10bp ER. I ...
by Sasquatch
Mon Jun 11, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k bond fund: Advise
Replies: 6
Views: 334

Re: Which 401k bond fund: Advise

The PIMCO fund took quite a dip in the last market downturn. The Total Bond fund was pretty steady. I'd use the Total Bond for the majority or all of my bond allocation, but would not be unhappy having a bit of the PIMCO fund as well. I would not use the PIMCO fund for my entire bond allocation unl...
by Sasquatch
Mon Jun 11, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k bond fund: Advise
Replies: 6
Views: 334

Which 401k bond fund: Advise

I have 2 bond funds in my 401k. Trying to figure out which one to go with. PIMIX: Pimco income instutional https://www.morningstar.com/funds/xnas/pimix/quote.html VBTIX: Vanguard total bond market index institutional https://www.morningstar.com/funds/xnas/vbtix/quote.html Pimco has done significantl...
by Sasquatch
Wed Jun 06, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3361

Re: Upgrade to SSD for 5-year old desktop?

I Put a Samsung evo 850 in a old core 2 quad machine. Works great, fast boot
by Sasquatch
Sat Jun 02, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Safeco Auto Insurance
Replies: 12
Views: 1058

Re: Safeco Auto Insurance

My mom recently had a claim with Safeco when the ice maker water supply line broke and soaked her hardwood floor and it buckled.

She has been very happy with the service, particularly the responsiveness. They are covering a lot of little things she did not expect.
by Sasquatch
Fri Jun 01, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 1932

Re: Another Car Keep/Buy Question

You have already taken the depreciation hit. Consider keeping the car. We love our Outback so a bit biased I guess.
by Sasquatch
Sat May 26, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: vinyl plank brands, which is best?
Replies: 13
Views: 1373

Re: vinyl plank brands, which is best?

Did the whole house in Coretec XL 9” plank recently. Working out great. We have a small dog and the flooring seems very durable so far to the dog nails.
by Sasquatch
Tue May 15, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4844

Re: New motorcycle rider

Only dirt motorcycle riding for me.

I WAS an avid road bicyclist but I stopped. The texting and driving is getting out of hand. I don’t remember the exact details but the jist was texting and driving is right up there with drunk driving as far as impairment
by Sasquatch
Tue May 15, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3019

Re: Brake work estimate

Do some comparison shopping on the cost of the rotors. Call a NAPA or Autozone or similar.
by Sasquatch
Tue May 15, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Large Personal Injury Settlement
Replies: 58
Views: 5184

Re: Large Personal Injury Settlement

shulgin wrote:
Tue May 15, 2018 8:17 pm
Difference of 30,000 and 3,750 is HUGE for me. With much I would be spending on a traditional advisor, I can spend 1.5k per month on my lifestyle expenses if I want and still come out ahead.
Exactly!
by Sasquatch
Tue May 15, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Large Personal Injury Settlement
Replies: 58
Views: 5184

Re: Large Personal Injury Settlement

Sage advise here.

Slow and steady wins the race. Compounding is on your side at your young age.

Is the .125% advisory cover everything or are expense ratios and trading fees on top of the .125%. That is a crazy low number. If it sounds to good to be true.....................
by Sasquatch
Tue May 15, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: External Portable Hard Drive
Replies: 15
Views: 1182

Re: External Portable Hard Drive

My western digital passport has been great. Zero issues
by Sasquatch
Tue May 15, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: I've bought a new home, should I sell or rent my old residence?
Replies: 21
Views: 1452

Re: I've bought a new home, should I sell or rent my old residence?

One law suit or a tenant who is behind on rent and milks it for 3 month or even a year before you get them out far overshadows the $140/mo IMHO. YMMV Also, don’t make the assumption that the property value will go up. I was holding properties in the 2009 debacle. Foreclosures galore. Supply increase...
by Sasquatch
Tue May 15, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: I've bought a new home, should I sell or rent my old residence?
Replies: 21
Views: 1452

Re: I've bought a new home, should I sell or rent my old residence?

I would sell. Being a landlord is not a cake walk by any stretch. The laws generally favor the tenant. As a landlord you better make darn sure you cross your T and dot your I. I turned my property over to professional management. For $140 a month it’s worth it to me and I can expense the $140. I hav...
by Sasquatch
Tue May 15, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Travel trailers RVs etc
Replies: 14
Views: 1614

Re: Travel trailers RVs etc

6’8” tall here. You will find the “king” bed in the modest coaches is very short and narrow. I don’t even know If they make a cal king for RVs. I think you will find that 5th wheels have more headroom than most trailers. I find 5th wheels are easier to back into tight places vs. our 32’ bumper pull....
by Sasquatch
Mon May 14, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3917

Re: Used car, $20K-$25K

Lexus ES or LS

Or.......

Camry or Avalon XLE package
by Sasquatch
Mon May 14, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Ratio of car repair cost to car's value?
Replies: 17
Views: 1453

Re: Ratio of car repair cost to car's value?

I have a 2006 Chevy diesel pickup 127k miles. I drive it about 4K a year. I budget $1500 a year for maintenance and repairs. If I don’t use it I accrue it. Sure beats $60k new for the same truck. Repair the car. Acura’s are very nice and durable to boot. Sounds like you have fun driving it too.....b...
by Sasquatch
Mon May 14, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Planning to buy car in next 6 months, please advise
Replies: 13
Views: 1477

Re: Planning to buy car in next 6 months, please advise

We have the Subaru Outback 2.5 premium. Awesome in snow. Plenty of cargo room for the grandkids stroller and all the other assorted kid stuff. Would definitely buy again except this time I would get the 3.6 engine. Gets great crash ratings too.
by Sasquatch
Mon May 14, 2018 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Any opinions on Moneyspire personal finance software?
Replies: 7
Views: 929

Re: Any opinions on Moneyspire personal finance software?

Has anybody come up with a cool Excel spreadsheet for budgeting? Tried Moneyspire and bank connectivity with my institution was terrible. Tried YNAB some time ago and it wasn’t my cup of tea. I guess I will use the trial of the new one.
by Sasquatch
Sun May 13, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2462

Re: Subaru Crosstrek vs Outback

You should look at and drive the 3.6R Outback. That is the best car for your plans by far. It has two good features that drive this. You can get the 3.6R engine in the Outback which is much better going up mountain grades in Colorado. The second key feature is the back seat in the Outback folds dow...
by Sasquatch
Sun May 13, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8217

Re: Bucket List Adventures/Activities

Heli Skiing in the Bugaboo mountains of Canada

https://www.canadianmountainholidays.com/
by Sasquatch
Sat May 12, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How can I keep track of my monthly spendings?
Replies: 36
Views: 3083

Re: How can I keep track of my monthly spendings?

Quicken here. For some reason the 2016 version worked better with my bank. I can split transactions which is something that was important to me. Mint and PC don’t. I have been considering Moneyspire but have yet to move over.
by Sasquatch
Sat May 12, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 47
Views: 37745

Re: My Costco/TrueCar auto shopping experience

I was able to beat the Costco price on a Honda Pilot and a Subaru Outback through negotiation. The Subaru was simple. We were told the Costco price. They let us take the car for a test drive alone. We stopped at a mini market and bought a Saturday paper. Another dealer was offering a significantly b...
by Sasquatch
Fri May 11, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1834

Re: Investment Advice from Pension Fund Manager - Should I listen?

Slow, steady, & consistant for a LONG time wins the race.
by Sasquatch
Fri May 11, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5499

Re: Need Input on My Early Retirement Plan.....

Will your interest paid on the mortgage exceed the savings of a ACA subsidy?
by Sasquatch
Fri May 11, 2018 12:56 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5563

Re: New Car Suggestions: BMW Crapping Out

Toyota/Lexus make a excellent product. I agree with you on the Highlander. Roomy, comfortable ride.
by Sasquatch
Thu May 10, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: yet another should I change jobs question
Replies: 12
Views: 1126

Re: yet another should I change jobs question

Congratulations on your financial success. You have put your family in a very good situation. I say quit and move on. You are still young, good time in service within your industry, have a very strong marketable skill set, and a high level performer. My story is similar in some ways. I was a very lo...
by Sasquatch
Wed May 09, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 4720

Re: Hawaii vacation suggestions

Napili Kai resort on Maui. Great property and great people on staff. Private beach to boogie board, snorkel. Onsite restaurant with loco moco yum! Maui taco down the street for cheap tasty burritos.

https://www.napilikai.com/experience/
by Sasquatch
Sun May 06, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 6218

Re: Do we spend too much on food?

Family of 2 $800 groceries & sundries + $300 dining out, coffee, etc
by Sasquatch
Sun May 06, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Fees are higher than we think
Replies: 12
Views: 2371

Re: Fees are higher than we think

A CFP wanted 85bp to manage our $2.2M. Is that the only service you needed from the CFP? Seems like a lot of money for a very small subset of the services CFPs typically provide. CFP also was willing to work on a hourly basis @ $150 / hr. We hired him for 5 hours to do FIRE feasibility, 72t analysi...
by Sasquatch
Sat May 05, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Fees are higher than we think
Replies: 12
Views: 2371

Re: Fees are higher than we think

A CFP wanted 85bp to manage our $2.2M. That is roughly $19k a year. My annual withdrawal including money to cover taxes is $65k. $65k + $19k = $84k: $19k / $84k = 22.6%. That’s 22.6% of the total withdrawal annually to manage the money. Yikes!