Search found 679 matches

by Tyrobi
Fri Apr 06, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7058

Re: Your Monthly Cost of Living

Family of four (2 adults, 2 kids) 1. Housing: $1072 (insurance/tax/HOA/maintenance; no mortgage) 2. Transportation: $490 (car replacement fund/gas/toll; no car loan) 3. Food: $600 (groceries, restaurants) 4. All others: $1953 (travel/entertainment/charity/health insurance/etc) Total: $4,115/month ($...
by Tyrobi
Fri Mar 02, 2018 3:38 am
Forum: Investing - Theory, News & General
Topic: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade
Replies: 79
Views: 10320

Re: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade

Narvekar, who took over in 2016, has decided to shift most of Harvard’s investments to outside managers. While considering further writedowns of natural resources investments, he’s indicated that he may continue to hold some if they’re a good value now. A group of alumni from the class of 1969 rece...
by Tyrobi
Mon Feb 26, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit score?
Replies: 38
Views: 1827

Re: What is your credit score?

831 from Credit Karma
by Tyrobi
Wed Jan 24, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 20
Views: 3097

Re: Anyone want to share their monthly budget? Here's ours

2 adults (Wife SAH), 2 kids Gross Income 182k MCOL $0 Debt Home Maintenance: $500 Home Insurance: $83 Property Tax: $417 HOA Fee: $39 Car Replacement: $300 Car Insurance: $90 Hobby: $46 Internet: $55 Cell Phone: $100 Electricity: $160 Garbage: $20 Water: $60 Lawn Service: $108 Gasoline: $100 Grocery...
by Tyrobi
Sun Jan 21, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 10271

Re: Where do you keep your emergency fund?

jeff1949 wrote:
Wed Jan 11, 2017 11:58 am
Primary: Ally Savings and no penalty CDs.

Secondary: I-Bonds
+1

I use this same setup for EF.
by Tyrobi
Sat Jan 20, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 35319

Re: What's your U.S. : International ratio?

Target: 70/30

Actual: 74/26

Need to buy more VTIAX to get back in line.
by Tyrobi
Tue Jan 09, 2018 11:47 am
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft at 58,000 posts!
Replies: 36
Views: 3477

Re: Livesoft at 58,000 posts!

Just wow! Really appreciate Livesoft's time and contribution.
by Tyrobi
Sun Jan 07, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: milestone post
Replies: 13
Views: 1506

Re: milestone post

Howdy......new to the forums and enjoying the view thus far. I too hit a milestone this week thanks to this ongoing bull market....... I finally hit the $1,100,000 level. (Yep, count'em.......TWO commas.) (Not bad for a man who once lived on the street...... but that's a whole other story.) Thanks ...
by Tyrobi
Wed Dec 27, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Invest or pay off car loan?
Replies: 17
Views: 1005

Re: Invest or pay off car loan?

RRAAYY3 wrote:
Wed Dec 27, 2017 6:11 pm
In short, pay off the loan ($17,000) tomorrow or finance ($18,000) and invest monthly in my taxable?
With APR of 4.8%, I would pay off the loan asap.
by Tyrobi
Mon Dec 25, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Converting printed pictures to digital files
Replies: 15
Views: 1456

Re: Converting printed pictures to digital files

I use free app from Google: PhotoScan.

After converting pictures into digital files on my iPhone X, it's super quick and easy to transfer to my MacBook Pro.
by Tyrobi
Wed Dec 13, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed out retirement accounts - next steps?
Replies: 11
Views: 1014

Re: Maxed out retirement accounts - next steps?

Next step is to get rid of student loans at 6.5% interest asap.
by Tyrobi
Wed Dec 13, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 80
Views: 8486

Re: Done gone and did it [Retire]

Hard work pays off. Congrats!
by Tyrobi
Sun Dec 10, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13902

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

1. Only keep what brings you joy
2. Never decide to keep something because it might come in handy
3. Have a place for everything, and always put things back in their places
by Tyrobi
Sat Dec 09, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18467

Re: Save all this money, what do you splurge on?

  • Two-month family vacation to southeast Asia
  • Max-out 2017 15in MacBook Pro
by Tyrobi
Wed Nov 29, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: i bonds purchase questions
Replies: 7
Views: 1059

Re: i bonds purchase questions

On Nov 27th, I placed a $10k order scheduled for Nov 28th.

The next day the balance showed up on TreasuryDirect, and $10k withdrawal as one transaction showed up in my Schwab account.
by Tyrobi
Tue Nov 28, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 6045

Re: 2018 Goals - Financial or Otherwise

2018 Financial Goals: 1. Max out pre-tax 401(k) and after-tax 401(k), $55,000 2. Max out Roth IRA and Spousal Roth IRA, $11,000 3. Max out HSA for a family plan, $6,900 4. Max out I-Bonds for two, $20,000 5. Fully fund second child’s 4-Year University Plan, $29,500 Why wouldn't you put extra saving...
by Tyrobi
Tue Nov 28, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 6045

Re: 2018 Goals - Financial or Otherwise

2018 Financial Goals:

1. Max out pre-tax 401(k) and after-tax 401(k), $55,000
2. Max out Roth IRA and Spousal Roth IRA, $11,000
3. Max out HSA for a family plan, $6,900
4. Max out I-Bonds for two, $20,000
5. Fully fund second child’s 4-Year University Plan, $29,500
by Tyrobi
Wed Nov 15, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: AT & T outage - [Nationwide outage]
Replies: 12
Views: 1363

Re: AT & T outage - [Nationwide outage]

I'm in north of Denver area on business trip and can confirm the outage today. I can't call out even though the signal was good. My colleague sitting next to me tried to call my number but the phone never ringed. Texting also didn't work.

The problem seems to go away as of now.
by Tyrobi
Wed Nov 08, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 5624

Re: Poll-How much do you have in your HSA?

$32k. Started around 2013 or so.
by Tyrobi
Tue Nov 07, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 29493

Re: How old are you and how much do you save for retirement a year

Age: 38

Pre and aftertax 401k - $54,000
2x Roth IRA - $11,000
HSA - $6,750

$71,750/year (single earner in a family of 4)
by Tyrobi
Fri Sep 15, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 21945

Re: Let's talk about your FI # and family income

Household income: $180k
Target Portfolio value for FI: $2.3m
by Tyrobi
Sun Sep 10, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 29
Views: 2869

Re: Open a HELOC? With whom?

I opened a HELOC with PenFed a long time ago as an emergency backup. So far we haven't used it yet. No annual fee btw.
by Tyrobi
Fri Aug 04, 2017 10:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 7292

Re: "Vanguard Puts Rival Firms On Notice: Fee Wars Will Only Heat Up"

Good news for investors!

Also, thanks to Mr. Bogle's vision and contribution that started this low-fee momentum for the entire industry.
by Tyrobi
Sat Jul 15, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 10468

Re: Personal Finance Milestone: 20 Times Annual Expense

Congrats! Keep up the good work on your way to FI.
by Tyrobi
Thu Jul 13, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 13495

Re: Do you count vehicle equity in net worth?

I do, even though our two paid-off vehicles are worth less than 2% of our net worth.

One can refinance a paid off car to easily receive the money without selling it.
by Tyrobi
Tue Jul 11, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: 100k milestone
Replies: 49
Views: 6902

Re: 100k milestone

Just wanted to know when and how you guys hit the 100k mark and where you are at in net worth now? Congrats on everyone for saving! I wont be at 100k probably until like 29-30 years old I am far off. I just love hearing the positive and motivating stories. You're way ahead by discovering this forum...
by Tyrobi
Tue Jul 11, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Advice on a VOIP (Voice Over Internet Provider) App
Replies: 7
Views: 989

Re: Advice on a VOIP (Voice Over Internet Provider) App

I've been using Google Hangouts. It's free to make phone calls to US numbers.
by Tyrobi
Fri Jul 07, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 11657

Re: Last 80 minutes of my career

Congrats! Have a fabulous time in retirement!
by Tyrobi
Wed Jul 05, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Two comma club - thank you
Replies: 16
Views: 4902

Re: Two comma club - thank you

Congrats. Welcome to the forum and welcome to the club!
by Tyrobi
Sun Jul 02, 2017 7:00 am
Forum: Investing - Theory, News & General
Topic: When Did You Start Investing Your Own Money?
Replies: 47
Views: 4065

Re: When Did You Start Investing Your Own Money?

Age 25, after I got my first job after college (2005).
by Tyrobi
Mon May 15, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for Savings Bonds (I/EE)
Replies: 6
Views: 1045

Re: Saving for Savings Bonds (I/EE)

While waiting to buy your I-bonds in November you can easily get $400. Here's what I recently did to get free money: 1. I opened CapitalOne 360 online with $10k and they quickly gave me $200, directly deposited in my account 2. I opened Chasing Saving with $15k and wait 90 days to get $200 So with y...
by Tyrobi
Thu Apr 27, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 72
Views: 12423

Re: Which High-Yield Online Savings Account Should I Open?

My main online savings account is with Ally (1.05%). Recently, I also opened a second one with Capital One (1.00%) to easily harvest $200 bonus. The bonus has been transferred into my account. At the moment, the promotion is still running if you want the bonus: With 360 Money Market, an online and m...
by Tyrobi
Fri Apr 21, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 14284

Re: Single most important investing advice?

Simplicity is the master key to financial success.
by Tyrobi
Thu Apr 20, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 47808

Re: Larry Swedroe says "Goodby."

Thanks Larry for your excellent contribution!

You're one of the respected posters on this forum.
by Tyrobi
Wed Apr 19, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 8084

Re: Tips on Uber

I normally use Uber twice per month during business trips. I really like Uber's cashless payment system. Also, I don't tip on Uber.
by Tyrobi
Wed Apr 12, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 136
Views: 20660

Re: What % of your income have you converted to wealth?

I just did this exercise out of curiosity and pulled up my record from SSA. Our net worth represents 73% of our lifetime cumulative earnings.

We are 37 & 35 with two young kids in a purely single-income family.
by Tyrobi
Thu Mar 30, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 13296

Re: Not opting for 529... anyone else?

I choose not to contribute to a 529 for the time being.

Instead,I'm going with 4-year university prepaid tuition plans for my two kids.
by Tyrobi
Wed Mar 15, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 12127

Re: $464.12 dinner bill last night. No regrets.

That's very good of you! Congrats of paying off the student loans btw.
by Tyrobi
Wed Mar 15, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 4011

Re: Where do you save for large purchases?

I save mine in Ally Bank online saving with 1% APY.

Simple, safe and easy access.
by Tyrobi
Sun Mar 12, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 43
Views: 6211

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

That's a very tough situation to be in. Given that scenario, I don't think the relationship with the other renter/neighbor is going to improve much, especially with the police involved. So either the landlord makes the other renter move or you'll choose a better place for your family. You probably k...
by Tyrobi
Thu Mar 09, 2017 6:42 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 30584

Re: Sitting on cash....Waiting for a crash

I'm in my late 30's and have at least 15-20 years until I retire. I'm considering putting any new investment money into my savings account for the next 3-5 years until I see some kind of dip in the market. I know it's market timing, but I'm tired of buying expensive stocks via my index funds. Anyon...