Search found 111 matches

by roamin survivor
Tue Dec 26, 2017 2:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 83
Views: 20437

Re: San Jose, CA Area Bogleheads Chapter

Hi, how does one officially join this chapter? I live in Redwood City and preparing to retire in 2018. Claire Not really official, but signing up for the e-mail list for articles and meeting notices. We usually meet once a month, tends to be 3rd Thurs night. Being on the peninsula, it would make fo...
by roamin survivor
Tue Dec 26, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Samsung J3 or J7
Replies: 21
Views: 1421

Re: Samsung J3 or J7

I'm in the same boat as you. J3 was on my list, but quickly crossed off as I kept seeing burn-in on all the various test models. It was the same with a family member's Samsung S6 as well, so it looks like it can be an issue with Samsung phones. On the other hand, the Moto phones were on my short lis...
by roamin survivor
Thu Dec 14, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2385

Re: Concert Decision and Advice

]feeling on the fence with the work involved... Another issue is time, as I would be taking the day/half-day off work for the driving distance and to avoid the daily SF Bay Area traffic... So, with all the work involved, does this seem worthwhile... but kinda got soured over how much effort it woul...
by roamin survivor
Tue Dec 12, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2385

Re: Concert Decision and Advice

All right, y’all won me over. I treat myself to new experiences as birthday gifts and was thinking this was going to be it, but kinda got soured over how much effort it would be. So yeah, I’ll be moving forward with it after being called out on my laziness and overthinking. Especially with the effor...
by roamin survivor
Tue Dec 12, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2385

Concert Decision and Advice

Disclaimer: Yes, I get that there’s no universal consensus/definition about worth. This is probably more about input, advice, past experiences, etc. to help decide if this is worthwhile to me. I am thinking about attending my first concert, but feeling on the fence with the work involved and experi...
by roamin survivor
Mon Nov 13, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 58
Views: 11943

Re: Backdoor Roth: How Long To Wait For Conversion?

Gotcha, but yeah, it's just a concern about tax rates and assuming a 35% income tax rate and 5% return, estimating to come out equal to doing the rollover once a year. Maybe do two if it's doing explosively well. Unfortunately, no way to split contribution investments for asset allocation. Does this...
by roamin survivor
Mon Nov 13, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 58
Views: 11943

Re: Backdoor Roth: How Long To Wait For Conversion?

Does this change if conversion fees are involved? Fidelity is charging $15 for after-tax 401K conversion to RothIRA. So $390 in fees if doing immediately for bi-monthly paycheck, but half for each double delay (12 months - $180, 6 months $90, etc.). Unfortunately, no way to split contribution invest...
by roamin survivor
Fri Oct 27, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: After-tax 401K vs Roth - Differences?
Replies: 2
Views: 438

After-tax 401K vs Roth - Differences?

So I just found out after-tax, Mega Backdoor Roth's are a completely different thing than what I thought. Looking to jump in and I can do immediate in-service distributions as well. So if I'm looking at this right, I am basically increasing my Roth IRA contribution limit, correct? Why would the IRS/...
by roamin survivor
Tue Oct 17, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6188

Re: What do you buy in Asian food stores?

Woman in OP was sort of right; very few vegetables in Asian cuisine is eaten raw and even then, it's as an accompaniment. However, as already mentioned, it's not too complicated to cook: usually steaming or stir-frying is the way to do it. Quality is the main issue; think of it like a farmer's marke...
by roamin survivor
Wed Oct 04, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 15904

Re: Bay Area Real Estate

While Stanford and Berkeley are major contributors (I have an affiliation with one of these), there are other educational institutions that have contributed over the years: UC Davis (Agg technology), UCSF (Medical advances), UC Hastings (Law), Santa Clara University (oldest operating institute in C...
by roamin survivor
Wed Oct 04, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 15904

Re: Bay Area Real Estate

Similar things happened in other parts of the country - look at Manhattan. You can also see it in other countries. For example, the Tel Aviv area in Israel where prices are actually higher than in the Bay Area, and where most of Israel's techies live (Bay Area prices have quite a lot of room to gro...
by roamin survivor
Wed Oct 04, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Comparing fund NAVs and returns
Replies: 7
Views: 560

Re: Comparing fund NAVs and returns

Another difference may be the benchmark the fund tracks. VTIAX tracks the FTSE Global All Cap ex US Index. If you 401k fund tracks a difference benchmark, that would also cause performance to vary a bit. Fees were all listed in the ER, but I did find out that both 401K and Vanguard funds track the ...
by roamin survivor
Tue Oct 03, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Comparing fund NAVs and returns
Replies: 7
Views: 560

Re: Comparing fund NAVs and returns

Thank you, looks like I'll have to dig deeper then. I did compare the fund holdings and the saw the only difference would be the top 10 holdings at different placements. Even the regional percentages were close to the same. Seems like I'll need further into prospectus with sectors as well.
by roamin survivor
Tue Oct 03, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Comparing fund NAVs and returns
Replies: 7
Views: 560

Comparing fund NAVs and returns

I'm looking to see if my line of thinking is correct. Current;y comparing two funds, Vanguard Ttl Int Index (VTIAX) in a Roth and a 401k's own Int Index. There's a large difference in NAV price: VTIAX is x12 higher with an ER of .11 comapred to the 401k's ER of .08. What I'm thinking is that I shoul...
by roamin survivor
Fri Aug 11, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 19154

Re: Tesla - next big lottery ticket ?

The mass market simply isn't going to abandon the existing manufacturers to buy a Tesla when they can get an all electric Ford Taurus or Lexus. Right now there isn't. Selection is slim and even with manufacturers, there's no indication they're going in on this at all. The Honda Fit EV was only a tr...
by roamin survivor
Wed Jul 19, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for a house around San Jose, CA
Replies: 36
Views: 4014

Re: Looking for a house around San Jose, CA

Even in 2010, dilapidated houses were going for seven figures. You aren't buying a house. You are buying the plot of land that you can build a house on. Case in point, recently sold 1930s dilapidated down the street got sold for close to a mil. Another livable house bought for $800k this year is no...
by roamin survivor
Wed May 10, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: How to find deals?
Replies: 9
Views: 1694

Re: How to find deals?

Sweet, thanks for the recs. Slickdeals seems like a good start, as is camel^3.

Really interesting tidbit about Citi Double Cash. I have been debating switching out my Chase Freedom for it since I don't really use it all that much any more.
by roamin survivor
Tue May 09, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: How to find deals?
Replies: 9
Views: 1694

How to find deals?

Looking for apps/tips/processes for trying to monitor and find deals when they pop up. I'm looking for things I know I want, but have a long timeline and want to use it to be able to shop for an opportunity. Hypothetical example: I know I will need to replace my car in 2-3 years and I know I want a ...
by roamin survivor
Thu Apr 27, 2017 8:37 am
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 99
Views: 19375

Re: favorite bogleheads posts?

For me, I have a lot of younger relatives, so this one has been helpful for giving the brats some context and financial start.

If I Knew Then What I Know Now
by roamin survivor
Wed Apr 26, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 2412

Re: Best strategy for retaining tenants?

Our first tenant was MD & big 4-CPA couple, new to Seattle. Ideal location for them. But obviously they had the income to buy from saving $$$ in renting. We financed their purchase. :oops: :annoyed While I'm sure rent is what the market says it is and depends if LL is profession, but is this necess...
by roamin survivor
Sat Apr 15, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 5884

Re: Gardening 2017

Just finished up planting Japanese cucumber seedlings and starting on corn for first attempt at the Three Sisters. Others are haricot vert and butternut squash.

Any advice for trying to do Three Sisters?
by roamin survivor
Fri Mar 24, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Wimbledon 2017 - Experiences?
Replies: 10
Views: 934

Re: Wimbledon 2017 - Experiences?

Thanks again everyone. I am glad to hear tennis match experiences are positive. Since it was announced that week in July was off, I was looking to see if any tournaments were available. At least I won't have matches on during work. As for the US Open, it is also on the list, but so far, it looks lik...
by roamin survivor
Thu Mar 23, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Wimbledon 2017 - Experiences?
Replies: 10
Views: 934

Re: Wimbledon 2017 - Experiences?

:oops: Whoops, overseas ballots are indeed closed. I only got notice of the week off on Wed, so I guess unless I wanna try to queue, this is not happening this year. Yeah, I'm more interested in the grounds than the stadiums. I like a lot of the lower and non-seeded players, but I punish myself enou...
by roamin survivor
Thu Mar 23, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Wimbledon 2017 - Experiences?
Replies: 10
Views: 934

Wimbledon 2017 - Experiences?

July 4, 2017 lies on a weekday and as a result, US company shutdown for the week. This also the week Wimbledon starts. A fan of tennis, but I've never been to a major tennis match. Looking to see if this is a good opportunity, especially to catch the Williams and Fedal before they retire. However, a...
by roamin survivor
Mon Feb 06, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Car Replacement Strategy
Replies: 8
Views: 1586

Car Replacement Strategy

Looking to get feedback/confirmation about plan on replacing a car. I have a 2003 Honda Civic LX at 187,500 mi and a repair (~$1000) has come up to the same value as the car. The timing and driving belts were starting to make noise and need to be replaced, so it's not a structural issue. I was plann...
by roamin survivor
Wed Apr 27, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 4856

Re: BH Way of Landscaping?

One of the things I'm doing/done this year is attempting to grow from seed. Successful so far with harvested beans from last season and I'm going to attempt some natives with seeds I harvested and whenever they go to seed. Hope to eventually fill part of yard with native grasses that will have come ...
by roamin survivor
Tue Jan 26, 2016 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K Contribution Confirmation
Replies: 2
Views: 360

Roth 401K Contribution Confirmation

I just started a Roth 401K and wanted to get confirmation on how it works. I elected to contribute 50% and was told it is taken from the gross pay. The taxes are also applied to the gross pay value as well. I wanted to confirm that Roth 401K contributions are done based in gross pay and not net pay.
by roamin survivor
Mon Nov 09, 2015 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Covered CA [HSA-eligible plan] Info
Replies: 0
Views: 510

Covered CA [HSA-eligible plan] Info

Does anyone here have any experience/review with the HSA offered through CoveredCA? They are all through Blue Shield, Anthem, and Kaiser Permanente, but I cannot find a whole lot of info (basically, fund list) besides fee structure. I think KP does theirs through Wells Fargo, but no confirmation on ...
by roamin survivor
Tue Sep 29, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 11407

Re: Fidelity 2% Amex: Security Annoyances

Yes, it's just excessive fraud loss prevention. I just had my first decline a few weeks ago, called the next day, and was explained the fraud declination. Apparently for me, it was trying to use the card at the pharmacy. The charge was pretty large, several hundred dollars, and apparently, there hav...
by roamin survivor
Wed Sep 16, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Familial Personal Loan Contract
Replies: 5
Views: 726

Re: Familial Personal Loan Contract

I have looked online at various forms, but got overwhelmed at all the differences among the forms. Also, most I found concerned only money and paying it back, nothing about terms when the loan is paid off, in this case, removal of name. However, I do thank everyone for pointing me in the right direc...
by roamin survivor
Wed Sep 16, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Familial Personal Loan Contract
Replies: 5
Views: 726

Familial Personal Loan Contract

I’ll get to the point. My mother and I are both on the deed to my house as she helped with the down payment and remodeling. I would like to start paying her back with interest in order to get her off the deed. While we have a good relationship, even financially, I would like to come up with a legal ...
by roamin survivor
Thu Feb 19, 2015 11:16 am
Forum: Investing - Help with Personal Investments
Topic: where to put excess cash
Replies: 18
Views: 3953

Re: where to put excess cash

Thoughts: Traditional balanced and TR funds could cause you to pay more taxes in a taxable account. The Vanguard tax managed balanced fund, however, may fit your needs. I Bonds would give you some inflation protection and would give you more tax deferment. Muni funds might fit your needs, at least ...
by roamin survivor
Fri Jan 30, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 36282

Re: Frugality regret: What thing do you regret not spending

As many others have said there needs to be balance. I can look back and see that I was saving for the sake of saving with no other purpose. I managed to save between 40 and 50% of my take home and in my late 30's I had enough retirement savings for more years that I would ever see. From the time of...
by roamin survivor
Wed Jan 07, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: 0.5% Refi Worthwhile?
Replies: 17
Views: 1934

Re: 0.5% Refi Worthwhile?

It's Fremont Bank. I've done the last refi with them and again, I need to go home tonight to review the last refi paperwork to confirm on all the costs. Again, I believe the "no-closing cost" is that the fees and extra stuff is rolled into loan and then credited to the loan. Only out-of-po...
by roamin survivor
Wed Jan 07, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: 0.5% Refi Worthwhile?
Replies: 17
Views: 1934

Re: 0.5% Refi Worthwhile?

I did look at the 15-yr @ 3.25% which totaled out to about what I pay currently. Less total interest paid but, I figured going with a 30-yr, pay it off in 15 would allow more flexibility. I'm in good financial standing: 12 month EF, retirement first, etc. Job security is not as secure as I'd like it...
by roamin survivor
Wed Jan 07, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: 0.5% Refi Worthwhile?
Replies: 17
Views: 1934

0.5% Refi Worthwhile?

I’d like to bounce a refinance possibility to everyone here. I currently have a 30-yr, $240K mortgage @ 4.375% (which is ~1200/month) that I’ve been paying for a little over a year. I pay extra principal and currently am slated to pay it off in 15 years if I keep it up this way. I’ve found that the ...
by roamin survivor
Tue Jan 06, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 5530

Re: Is "stay the course" a commandment or a suggestion?

Suggestion. Kind of like a financial equivalent to having "DON'T PANIC" in large, friendly letters.

Preferably on the cover of a common sense investing book that has outsold The Bogleheads' Guide to Investing because it is slightly cheaper.
by roamin survivor
Fri Jan 02, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Am I contributing too much to retirement?
Replies: 28
Views: 5628

Re: Am I contributing too much to retirement?

Another lifelong Bay Area resident chiming in. First off, some clarification: is the $52K from the first 6 months or projected annual? I'm assuming annual since that was about what I made 8 years ago when I first started working, but seeing as some previous young tenants made 6-figures right out, ju...
by roamin survivor
Thu Dec 18, 2014 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement Car Savings
Replies: 11
Views: 1883

Re: Replacement Car Savings

The car is a 2003 Honda Civic. I'm sure it could go past 200K miles, but at that point, I would also be antsy of it failing out of the blue. While I do have funds that can float me for some time, I like to make a decision without any pressures if possible. Thanks for reminding me about the commuter ...
by roamin survivor
Thu Dec 18, 2014 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 37
Views: 5441

Re: myRA up and running, but worth it?

Yes, it sounds like this product isn't suited for you and I think that's the point. I see it as a savings vehicle for low-income groups that cannot save much. Yes, it's an IRA, but the main difference is the investment products. Most funds have a high threshold in order to invest in the fund, usuall...
by roamin survivor
Thu Dec 18, 2014 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Replacement Car Savings
Replies: 11
Views: 1883

Replacement Car Savings

Not the greatest time to be thinking this with gas prices so low, but want to chart a course of action. I also think I know the answer, but wanted some feedback. I feel that my current car (@ 170K mi.) has about 1-2 years of good performance on it left, before I start getting sketchy about it. I’ve ...
by roamin survivor
Sat Dec 06, 2014 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer unused 529 from one child to another?
Replies: 5
Views: 820

Re: Transfer unused 529 from one child to another?

That...actually sounds like a good idea. You avoid the taxes CA takes by using the 529 for non-education purposes and will still have the same amount for retirement, albeit in a taxable account. Besides, I don't see how CA could put it into the 401K, even if it's Roth401K. I would also perhaps say r...
by roamin survivor
Thu Oct 30, 2014 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Restructure from Target Date Funds?
Replies: 3
Views: 1080

Re: Restructure from Target Date Funds?

An update/bump:

Pension apparently is in US Treasuries, so it earns something. Lump Sum Buyout is also an option. This does make keeping 401K a bit more desirable, but the question still stands if it needs to be restructured.
by roamin survivor
Wed Oct 29, 2014 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Restructure from Target Date Funds?
Replies: 3
Views: 1080

Re: Restructure from Target Date Funds?

My position for the pension and 401K #1 was as a defense engineer and I was working on some of the advanced stuff with a high level clearance. Now that I've been out of the industry, I've found that I did not like the industry, so I try to avoid it when possible. I always say that I'd go back if WWI...
by roamin survivor
Tue Oct 28, 2014 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Restructure from Target Date Funds?
Replies: 3
Views: 1080

Restructure from Target Date Funds?

Emergency funds: Fully Funded Debt: Mortgage - $230,000 @ 4.375%. No, there’s nothing lower to refi to. Tax Filing Status: Single, No Dependents Tax Rate: 25% Federal, 9.3% State State of Residence: CA Age: 29 Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: 25% of ...
by roamin survivor
Thu Apr 10, 2014 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Return
Replies: 4
Views: 1719

Re: Mortgage Prepayment Return

When you do the "simple compounding" you are computing the final value of $200 compounded at 5% for 30 years = $864, but the interest earned - and thus saved on the mortgage - is approximately $864-$200 or about $664. That takes care of the major discrepancy. Note that there would only be...
by roamin survivor
Thu Apr 10, 2014 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Return
Replies: 4
Views: 1719

Mortgage Prepayment Return

I've read that prepaying a mortgage is equivalent to buying a bond. I've been trying to figure out the math and frankly, have confused myself. For example, take a $100,000 loan at 5% ($536.82/month) with a total interest of $93,256.55. Apply an additional $200 to the first payment and the total inte...
by roamin survivor
Thu Jun 21, 2012 8:01 pm
Forum: Investing - Theory, News & General
Topic: Do you regret saving too much?
Replies: 74
Views: 11377

Re: Do you regret saving too much?

Well, perhaps there could be some new discussion. No point in necro-ing a thread and 2009 was a different time.

For me, it feels like it everyday. The main reasoning is having a hard time maxing out 401k. Part of me knows better to enjoy life, but BH philosophy kicks in and ad infinitum.
by roamin survivor
Tue Jun 19, 2012 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Was a DINK now a HENRY
Replies: 45
Views: 7215

Re: Was a DINK now a HENRY

It is very scary that such good acronyms can be developed with the BH community.

Currently a SINK, would like to be a CALI in Cali, maybe in a RANT.
by roamin survivor
Fri May 25, 2012 3:24 pm
Forum: Personal Consumer Issues
Topic: Anyone following the Dragon rocket?
Replies: 7
Views: 836

Re: Anyone following the Dragon rocket?

I thought they weren't supposed to dock for a few more days, but the sooner the better. This is going to get really interesting for the industry and Musk especially.

Thanks for the update.