Search found 160 matches

by i<3Investing
Wed Dec 02, 2020 9:34 pm
Forum: Personal Investments
Topic: At what milestone did you feel secure?
Replies: 156
Views: 17459

Re: At what milestone did you feel secure?

There was something about hitting 100k in taxable accounts that felt really good. Retirement accounts have always felt off limits and taxable feels like I could access it if i absolutely had to. All in all that's about 12 months of expenses if i really hunkered down so maybe it's the safety net and ...
by i<3Investing
Mon Oct 12, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: Recommend a mattress?
Replies: 50
Views: 5036

Re: Recommend a mattress?

jjface wrote: Thu Jun 11, 2020 8:58 pm Saatva! Love it !!!
We have both. A casper and a Saatva. I like the Saatva more :)
by i<3Investing
Mon Oct 12, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: Equifax - need advice regarding logging in (refi)
Replies: 9
Views: 421

Re: Equifax - need advice regarding logging in (refi)

The correct site is https://my.equifax.com/

I don't have a US number to offer.
by i<3Investing
Mon Sep 14, 2020 10:22 pm
Forum: Personal Investments
Topic: How much are your 529 Contributions
Replies: 133
Views: 7813

Re: How much are your 529 Contributions

Started at $250/mo and i'm not up to $400/mo /child. We also set annual goals for the account and do a catchup if we don't meet the goals. I set it for 3/4 of a nice public school paid for over 20 years. My thought is I can either have the kids take 1 year of student loans as motivation or pay for i...
by i<3Investing
Tue Jul 28, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ultra high deductible auto/home/umbrella insurance?
Replies: 34
Views: 2118

Re: Ultra high deductible auto/home/umbrella insurance?

Given how cheap it is, seems like a pointless exercise It's not cheap which is why I started this topic. ~$1100/year over a lifetime would be ~$60k. Ask yourself which is better: 100% chance of paying $60k over a lifetime or 1% chance of paying $100k over a lifetime Your $1100 is for all three (aut...
by i<3Investing
Thu Apr 09, 2020 11:16 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 17167

Re: What percentage of your paycheck do you invest?

25% pre tax, 35% post tax.

We crunched the numbers to figure out our spending rate so we could figure out when we could retire early. Added bonus is we were able to back into our savings rate.

This is pure savings, not Principal reduction on homes which i guess is a form of savings as well.
by i<3Investing
Tue Dec 10, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 62
Views: 19556

Re: Tree roots growing into sewer lines

I did the inflatable epoxy liner last year. The city replaced a phone poll and i think 'bumped' my sewer line in the process which caused it to slip from the main. Good times all around. I was told that I would need permits to go into the street but we're a 2 lane street and closing off one side is ...
by i<3Investing
Tue Oct 08, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2928

Re: Find my phone -- easy way to find it when lost in the house?

Android has the "Android Device Manager" that will let you ring or lock your phone from any computer. You have to have it setup before you lose your phone though. I also have a google home speaker and you can ask it to ring your phone and it will (even if its on silent). Both options work ...
by i<3Investing
Thu Feb 21, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help Rent Condo or Sell?
Replies: 3
Views: 211

Re: Help Rent Condo or Sell?

Personally I would sell it. I have two rental properties myself and love them. But i did not become an accidental landlord. I did it by choice. Since you're not making the choice yourself but reacting to your situation it will likely cause you nothing but trouble and anguish. Not worth having for a ...
by i<3Investing
Tue Nov 20, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Two month plunge in oil- again today
Replies: 5
Views: 811

Re: Two month plunge in oil- again today

tennisplyr wrote: Tue Nov 20, 2018 7:12 pm Yeah but I bought gas today at Costco for $2.29/gallon.
Uggh. That really puts the CA gas tax into perspective. Costco gas here is $3.15
by i<3Investing
Tue Aug 28, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 13737

Re: Mega Downsize....

I read Marie Kondo's book, "the life changing magic of tidying up". It was a great motivator.

As far as throwing things out. Take a room a week and go through it. I wouldn't trust someone else to throw out your things.
by i<3Investing
Wed Aug 15, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Plan us a trip !
Replies: 17
Views: 2388

Re: Plan us a trip !

Hawaii, specifically Maui, seems to hit a lot of your wants. Plenty of hikes, relaxation, ocean fun for the whole family. I'm sure they have a Hilton too. If you end up going, make sure to take a day and drive around the back side of the island. It's very beautiful. I would go in April over February...
by i<3Investing
Mon Jun 11, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: How to calculate Real Estate in your Asset Allocation
Replies: 20
Views: 2993

Re: How to calculate Real Estate in your Asset Allocation

I do 92% of my Zillow/Redfin Price Estimate. It's hopefully taking into account a sale and some randomness of the valuation. I wouldn't fault you for 100%, or anything else really.
by i<3Investing
Wed Feb 28, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Move to Orange County
Replies: 50
Views: 5866

Re: Move to Orange County

I've lived in So Cal for years. My wife and myself started out making around $100k/yr. We now make over $200k/yr. We were able to save quite a bit to our 401k's (we didn't max them out in the beginning but do now), buy an investment property out of state, and travel. So by no means were we living li...
by i<3Investing
Wed Sep 27, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 5444

Re: Verizon TravelPass

I travelled to Japan for a few weeks twice this year. The first time I went I used GoogleFi. Worked like a charm. Worked almost everywhere and was very reasonably priced. Ended up paying roughly $40 for the two weeks i was there and didn't skimp on data. Second time I travelled i tried to restart my...
by i<3Investing
Mon Jul 17, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Net Worth?
Replies: 22
Views: 4087

Re: Personal Capital - Net Worth?

I'm definitely no expert. But if you got to the main screen and click the "+" button in the upper right hand corner of the Net Worth side bar it brings you to a "link your account" screen. The bottom of that has a "Add Home Value Zillow" tab. That will add your real est...
by i<3Investing
Wed Jun 14, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Am I too far into the rabbit hole? (email with Gmail)
Replies: 28
Views: 5922

Re: Am I too far into the rabbit hole? (email with Gmail)

You can turn off most google tracking functions here: https://myaccount.google.com/activitycontrols You can also stop them tracking you for ads here: https://www.google.com/settings/u/0/ads/authenticated Do I turn it off? No. Do I worry that they track me? Not really. They have over a billion users ...
by i<3Investing
Wed Jun 07, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Earthquake insurance in SOCAL
Replies: 28
Views: 3421

Re: Earthquake insurance in SOCAL

My structural engineering teachers at USC used to say it's a waste of money. In their words, "unless your home is built on top of a fault then wood construction is very redundant and handles earthquakes quite well". Basically they're saying that unless there is a chance that the ground lit...
by i<3Investing
Fri Mar 10, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 20485

Re: What to do with all these passwords ?

I use Keepass 2 and store the encrypted password database on google drive. There are android and apple apps to open the keepass from my phone if need be (and a cpu version).

It works well for me.
by i<3Investing
Wed Mar 08, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are we ready to buy a house? What should our price range be?
Replies: 56
Views: 5912

Re: Are we ready to buy a house? What should our price range be?

You have 20% down, a really good retirement for your age, and enough income to cover it. Yes, you're ready to buy your house (and i also agree to the happy wife happy life mentality). I've always liked the 2-3 times household income for your mortgage that "The Millionaire Nextdoor" recomme...
by i<3Investing
Wed Mar 08, 2017 11:22 am
Forum: Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 61
Views: 7999

Re: 27yr curious about my investment personel and strategy

Is the 3rd prty money management set up just a big waist of money through fees? Would it be more beneficial to set up something like a 3-4 fund Lazy portfolio? Yes. You'll save much more in the long run. At the very least you can move your money to fidelity and invest in the same funds without the ...
by i<3Investing
Mon Mar 06, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation (Question/Opinion)
Replies: 26
Views: 2891

Re: Net Worth Calculation (Question/Opinion)

Yes. I back out 8% to account for 6% of buyer/seller fees and 2% for taxes/insurance/misc. It may not be spot on but I feel i'm pretty close.
by i<3Investing
Tue Feb 28, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Store Important Documents Online?
Replies: 51
Views: 4257

Re: Store Important Documents Online?

I store important documents in Google Drive in an encrypted "Boxcryptor" folder. It provides AES 256 bit encryption and RSA Encryption. I have 2 step verification on my phone to access my google drive. Just never lose your password for Boxcryptor because there is no way to crack it. It wor...
by i<3Investing
Wed Feb 08, 2017 6:32 pm
Forum: Personal Investments
Topic: Windfall, but need to withdraw
Replies: 9
Views: 1450

Re: Windfall, but need to withdraw

I have a few questions.. If you instead paid off your mortgage would you be able to live on your salary only? Can you cut back and save elsewhere? Eating in more now that the wife is at home. I think you're overinvested in XOM. I would consider moving that to a more balanced portfolio. Do you mean a...
by i<3Investing
Tue Nov 29, 2016 12:46 pm
Forum: Personal Investments
Topic: New 401k w Fidelity has high fees
Replies: 10
Views: 1626

Re: New 401k w Fidelity has high fees

My company went with Fidelity too. Although they do have some funds with higher fee's, I found plenty with low fees and my company let me add them onto our plan. I would ask your 401k administrator if you could add a few low cost funds onto the plan.
by i<3Investing
Mon Aug 08, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: A lawyer and my will
Replies: 8
Views: 1316

Re: A lawyer and my will

My wife and myself just had our firstborn and decided it was time to do this as well. We're half way through. The first part took about an hour with him asking questions.

He said that the 2nd part would take about an hour as well. Total cost quoted was $900. Not bad in my opinion.
by i<3Investing
Fri May 20, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 87
Views: 6701

Re: series/ movies filmed in your home town?

I live in Los Angeles and also work with some entertainment productions. A majority of shows are filmed where there are tax breaks. It's crazy to see where they'll film for the tax breaks. A lot of mid-town america city shots are actually the Warner Brothers Back Lot. They also have a NY street, New...
by i<3Investing
Wed Mar 02, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policies?
Replies: 33
Views: 4161

Re: Umbrella policies?

You have a single umbrella policy? Make sure that you don't need a separate personal and business/commercial umbrella policy. We needed to get a separate business/commercial umbrella policy to cover our rental properties. Our "regular" umbrella policy that we had for years before purchasi...
by i<3Investing
Fri Jan 15, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 10657

Re: Best place to live in CA for a young family

San Diego/LA/San Fran have a lot of life but cost an arm and a leg.

Parts of North LA and South OC are great. I currently live in OC and love it. It depends what you're looking for.
by i<3Investing
Tue Jan 12, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: What Manga/Manhwa Have You Read Recently?
Replies: 40
Views: 5226

Re: What Manga/Manhwa Have You Read Recently?

Currently Reading: Tower of God (My goodness this is probably the best story I've ever read even if its a little slow at times) UQ Holder Witch Hunter (very good but it is published very very slowly) Finished - Really Enjoyed: Annarasumanara (If you haven't read any manga start here and see how art...
by i<3Investing
Wed Jan 06, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: umbrella insurance - why so expensive?
Replies: 34
Views: 4516

Re: umbrella insurance - why so expensive?

That sounds high. I have 2 drivers (we're both in our 30's), primary home + 2 rental properties and it's around $300 / yr for 1 million. Got my insurance through the same company that does my primary home + car insurance (state farm).
by i<3Investing
Wed Oct 21, 2015 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 18270

Re: Travel rewards credit card?

Plenty of good cards have been recommended. If you want to go a slightly different route I recommend waiting until Southwest has a few of their cards for 50k points up. What you do is apply for 2 southwest cards at the same time. I got a personal card and a personal preferred card. The deal will be ...
by i<3Investing
Wed Apr 03, 2013 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' accomplishments
Replies: 72
Views: 7876

Re: Bogleheads' accomplishments

Since the wedding about a year ago the wife and I have been flying through previous financial hurdles. So the excitement right now makes me say that I'm feeling better than I expected.
by i<3Investing
Wed Jan 09, 2013 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Pay raise for young engineer
Replies: 18
Views: 2460

Re: Pay raise for young engineer

effillus wrote:I think he's making about $60,000 now in Nashville and is interviewing in Pittsburgh.
With the edition of a PE and a 3.5% increase in the cost of living, I would ask for $75,000 and hopefully settle around $72,500. Fingers crossed they take the initial offer :)
by i<3Investing
Tue Nov 13, 2012 2:30 pm
Forum: Investing - Theory, News & General
Topic: What % of Employers Allow Rollovers into 401ks/403bs/...
Replies: 9
Views: 685

Re: What % of Employers Allow Rollovers into 401ks/403bs/...

Just curious why anyone would want to roll their qualifying funds into an employers 401K. You will be limited to a smaller number of funds inside a 401K while a self directed IRA using a brokerage account will allow you access to virtually anything. Every time I change jobs I roll over into my self...
by i<3Investing
Mon Oct 01, 2012 3:19 pm
Forum: Investing - Theory, News & General
Topic: Gurus having a tough year
Replies: 12
Views: 2143

Re: Guru's having a tough year

Grt2bOutdoors wrote:Thankfully I don't invest the way I bet (currently #301 in a field of 400+).
You're still closer than Goldman Sachs & Morgan Stanley :D
by i<3Investing
Mon Sep 24, 2012 5:23 pm
Forum: Investing - Theory, News & General
Topic: Understanding the Gen Y investor.
Replies: 15
Views: 2425

Re: Understanding the Gen Y investor.

Gen Y here. Since most people my age don't seem to know what bonds are, I consider myself more conservative than most.
by i<3Investing
Thu Aug 30, 2012 7:05 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 184
Views: 22414

Re: Your Favorite [Travel Destination] on Earth: Where and

Either Hong Kong or Istanbul. Both are absolutely amazing cultures.
by i<3Investing
Mon Aug 20, 2012 6:40 pm
Forum: Personal Investments
Topic: How to invest when starting with almost nothing
Replies: 17
Views: 3662

Re: How to invest when starting with almost nothing

Wow, lots of responses - thanks for all of them! Sadly, most of the above is nothing new to me, whether something I've done already or something burned into my brain growing up. Really, the problems are one of two things as most of you suggested: debt and budgeting - I have put together a budget al...
by i<3Investing
Tue Aug 14, 2012 4:00 pm
Forum: Personal Consumer Issues
Topic: Hot Mail Problem
Replies: 11
Views: 1550

Re: Hot Mail Problem

Windows has decided to move email from hotmail.com to outlook.com. My guess is you might be experiencing some issues with that transition. I'm not sure though since I haven't used hotmail in a very long time.
by i<3Investing
Thu Aug 09, 2012 10:28 am
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 12847

Re: What was Your Starting Salary Out of College?

$56,900 adjusted for inflation to today's dollars. On an interesting side note I believe my firm now hires on above that.
by i<3Investing
Mon Aug 06, 2012 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Are credit card companies starting to overreact?
Replies: 32
Views: 2854

Re: Are credit card companies starting to overreact?

I had my credit card shut down for suspicious charges because I got $5 of taco bell 1 mile from my house... Yes, I am looking for a new card. Trying to weigh my options and see what is best for my spending habits.
by i<3Investing
Tue Jul 24, 2012 2:22 pm
Forum: Personal Investments
Topic: My Hello and my first question
Replies: 8
Views: 1616

Re: Should I dump my Variable Life Policy?

So do I continue to pay in or is there any other viable alternative? Check out term4sale or one of those other websites that can get you quotes for term life insurance. You'll probably be looking in the 15-20 year mark. See if you would have significant savings over your universal policy. So is it ...
by i<3Investing
Thu Jul 12, 2012 9:33 am
Forum: Personal Consumer Issues
Topic: Any bogleheads have a franchise?
Replies: 18
Views: 3796

Re: Any bogleheads have a franchise?

Interesting. I see it as the opposite. If you own stocks you are already a small business owner. Mr. Graham spends a lot of time in Intelligent Investor describing that association. If you own REITS it is similar (ageed not the same) as owning private real estate. I think either of the other two is...
by i<3Investing
Wed Jul 11, 2012 1:42 pm
Forum: Personal Consumer Issues
Topic: Any bogleheads have a franchise?
Replies: 18
Views: 3796

Re: Any bogleheads have a franchise?

I think it is very important to diversify, thus we have a small business, rental properties and retirement funds. In my opinion, I believe these three are key to wealth building. I've always felt that way as well. Eventually I'd like to find myself in a place where I have 33% of my wealth across ea...
by i<3Investing
Thu Jun 28, 2012 4:26 pm
Forum: Personal Consumer Issues
Topic: Laptop recommendation - under $500
Replies: 32
Views: 4280

Re: Laptop recommendation - under $500

I would just use one of those Social Bargain websites and find what suits your needs. Here is one I use that seems to find great deals. http://www.dealigg.com/story-Acer-Aspire-AS5560-7402-15-6-Laptop-Quad-Core-1-5GHz-4GB-RAM-500GB-HDD-Windows-7-Premium A quad core with Windows 7 and 4 gigs of ram s...
by i<3Investing
Thu Jun 28, 2012 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Extra money for college
Replies: 3
Views: 667

Re: Extra money for college

Hi, I would always put money towards my primary residence before my rental. Also, with mortgage + taxes on your rental at 1457 and rent at 1600 you're barely making it there. I would consider selling the rental unless you see the area appreciating in value considerably and you're trying to get from ...
by i<3Investing
Wed Jun 27, 2012 11:52 am
Forum: Investing - Theory, News & General
Topic: How to fire your adviser
Replies: 46
Views: 8046

Re: How to fire your adviser

I guess I got it easy. My financial adviser fell off the face of the earth so I didn't have much of a choice. Very lucky turn of events since that led to me doing my own research and eventually finding this forum.
by i<3Investing
Wed Jun 20, 2012 11:19 am
Forum: Investing - Theory, News & General
Topic: [POLL] Net worth to income ratio - how do you compare
Replies: 38
Views: 4929

Re: [POLL] Net worth to income ratio - how do you compare

Not very high. But at the same time I'm 27 so I have some time to increase it :D
by i<3Investing
Mon Jun 11, 2012 4:55 pm
Forum: Personal Investments
Topic: Newlywed Investment Help
Replies: 19
Views: 1556

Re: Newlywed Investment Help

100/0 , 90/10 – definitely willing to take some risk. This is not a good idea. At a minimum you should do 80/20. If your portfolio fell 50% would you jump out? If so then 100/0 is way to risky for most people. -Student loan ~$13,000 – 6.55% Current portfolio: Taxable (~$15,000) 80% Cash – ready to ...