Search found 694 matches

by Tyrobi
Sat Nov 17, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3711

Re: Men's crew neck t-shirts

Another vote for Uniqlo, simple and comfortable undershirt.
by Tyrobi
Wed Nov 07, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1163

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

Is your card PenFed Platinum Cash Rewards Visa? I just check and I still get 5% as CASH REWARDS STMT CREDIT automatically each month. I remember I used to have PenFed Platinum Rewards Visa Signature for gas purchase but then PenFed made the switch to 1% way in late 2016. So I changed it to PenFed Pl...
by Tyrobi
Sun Sep 02, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 4124

Re: Gentlemen: underwear shopping question

I convert both my underwear and undershirt to Uniqlo AIRism ones. Light weight and very comfortable all around. They're good for traveling and minimalist lifestyle. Uniqlo refuses to sell their brand on Amazon so you'll have to order somewhere else if buying online. Luckily, there's an Uniqlo store ...
by Tyrobi
Fri Aug 24, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5381

Re: Is Treasury Direct worth the hassle?

What is an efficient way to deal with TD? Can you share your tips? For instance, each person has their own preferred way to login. For me, I only use one laptop (MacBook Pro) to interact with TD. Never have issue with login or lock account. I also find that the website is easy to deal with since I ...
by Tyrobi
Fri Aug 24, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5381

Re: Is Treasury Direct worth the hassle?

I'm using I-bond as our emergency fund to earn a better rate, $10k for me and $10k for my spouse annually. Once I develop an efficient way to deal with TD, I don't find TD to be a hassle at all. If you don't find your own simple way to deal with TD then it can be a hassle. In this case, it's not wor...
by Tyrobi
Thu Aug 16, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6264

Re: Savings rate per month???

Saving rate is at 55%.
by Tyrobi
Thu Jul 19, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 57834

Re: Flaunt Your High-Mileage Car

2007 Toyota FJ Cruiser - 88k miles - Bought brand new in July 2006 - Work vehicle
2009 Toyota Camry - 69k miles - Bought brand new in Dec 2008 - Family vehicle
by Tyrobi
Wed Jul 18, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4757

Re: Have you ever purchased a pricy musical instrument?

4 grand for wife's piano.
2.5 grand for my guitar.
by Tyrobi
Tue Jul 10, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2839

Re: Prepaid cell phone plan vs Regular Contract Plan

If you like AT&T plan/signal, try switching to Cricket for similar quality but cheaper. I believe AT&T also owns Cricket so it's a big plus if you like AT&T's tower signal in your area. That's why we did it for my wife and I with 2 lines on Cricket for $70.
by Tyrobi
Fri Jul 06, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Need opinion on buying a Lakewood guitar
Replies: 18
Views: 1323

Re: Need opinion on buying a Lakewood guitar

You're all making me second guess myself :D . I thought I've done enough research to settle down on a Lakewood. Just to give some background. I enrolled and learned classical guitar when I was very young, and I played guitar for my church choir until I left for college. After that I stopped playing...
by Tyrobi
Sat Jun 30, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9437

Re: What are you learning or studying?

Fingerstyle guitar. Try to master a new song every 2-4 weeks.
by Tyrobi
Thu Jun 28, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Need opinion on buying a Lakewood guitar
Replies: 18
Views: 1323

Re: Need opinion on buying a Lakewood guitar

You're all making me second guess myself :D . I thought I've done enough research to settle down on a Lakewood. Just to give some background. I enrolled and learned classical guitar when I was very young, and I played guitar for my church choir until I left for college. After that I stopped playing ...
by Tyrobi
Thu Jun 28, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Need opinion on buying a Lakewood guitar
Replies: 18
Views: 1323

Re: Need opinion on buying a Lakewood guitar

All fair advices. Greatly appreciate! Unfortunately, there're no authorized Lakewood dealers around where I live. Recently I traveled to SoCal and there's a Lakewood shop 1.5 hours from my hotel. But due to schedule conflict and unsure if I would buy, I didn't make that drive to try out potential La...
by Tyrobi
Thu Jun 28, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Need opinion on buying a Lakewood guitar
Replies: 18
Views: 1323

Re: Need opinion on buying a Lakewood guitar

Lakewood is a decent brand for fingerstyle guitar, a style that I recently fall in love with. I'm sure Taylor and Martin guitars would be excellent too. I have never own any premium guitars so just want to make sure the next good guitar I buy is the one I love to keep and to play for a long time. I ...
by Tyrobi
Wed Jun 27, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Need opinion on buying a Lakewood guitar
Replies: 18
Views: 1323

Need opinion on buying a Lakewood guitar

Any Bogleheads guitar players own or have played a Lakewood guitar? I know some members prefer Taylor and Martin guitars, but I’m looking to buy a grand concert acoustic guitar from Lakewood (M-32 CP). I currently own two cheap guitars, an acoustic and a nylon guitar. My goal is to get one premium g...
by Tyrobi
Fri Apr 06, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 8108

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: 11074

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: 2349

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: 62
Views: 11092

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: 11148

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: 213
Views: 40632

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: 3955

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: 1582

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: 1232

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: 1646

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: 1124

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: 9444

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: 15104

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: 20095

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: 1183

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: 7004

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: 7004

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: 1491

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: 6234

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: 33050

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: 23413

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: 3625

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: 7777

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: 11349

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: 15469

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: 7531

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: 1101

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: 12337

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: 5065

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: 4470

Re: When Did You Start Investing Your Own Money?

Age 25, after I got my first job after college (2005).