Search found 146 matches

by i<3Investing
Wed Sep 27, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3601

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: 2984

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 estate. Or click "More" and it ha...
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: 4606

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: 2098

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 literally fal...
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: 13522

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: 4956

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: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 61
Views: 7102

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: 2170

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: 3209

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: Investing - Help with Personal Investments
Topic: Windfall, but need to withdraw
Replies: 9
Views: 1243

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 mo...
by i<3Investing
Tue Nov 29, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k w Fidelity has high fees
Replies: 10
Views: 957

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: 1132

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: 4838

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...
by i<3Investing
Wed Mar 02, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policies?
Replies: 33
Views: 3705

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: 8637

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: 4461

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 h...
by i<3Investing
Wed Jan 06, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: umbrella insurance - why so expensive?
Replies: 34
Views: 3640

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: 17475

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: 7326

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: 2275

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: 611

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: 1987

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: 2237

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: 94
Views: 9983

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: Investing - Help with Personal Investments
Topic: How to invest when starting with almost nothing
Replies: 17
Views: 3573

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: 1472

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: 11721

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: 2645

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: Investing - Help with Personal Investments
Topic: My Hello and my first question
Replies: 8
Views: 1421

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: 3616

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: 3616

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: 3889

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: 634

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: 7638

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: 4465

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: Investing - Help with Personal Investments
Topic: Newlywed Investment Help
Replies: 19
Views: 1331

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 ...
by i<3Investing
Tue May 01, 2012 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: tips on saving for 4 month-old daughter's future wedding
Replies: 85
Views: 7577

Re: tips on saving for 4 month-old daughter's future wedding

We just finished paying for our wedding (which is in 3 weeks). My fiancee's parents gave her around $8,000 for the wedding and we matched about the same.. I would see this as a glass half full situation. Give her enough for a bare bones wedding, then make her pay for the rest. During all this time s...
by i<3Investing
Mon Apr 09, 2012 8:08 pm
Forum: Investing - Theory, News & General
Topic: Book recommendation for 18 year old
Replies: 28
Views: 1882

Re: Book recommendation for 18 year old

I think "I will teach you to be rich" by Ramit Sethi is a great read for younger people. The author himself is young (I believe he's in his 20's right now), and has a flair of comedy in his writing style. It doesn't go into too much depth as far as investing goes (others on this board have...
by i<3Investing
Mon Mar 19, 2012 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off the loan or wait it out???
Replies: 10
Views: 1375

Re: Should I pay off the loan or wait it out???

I agree with Penn. From your numbers it looks like you could pay off the 5.75% loan while maintaining an emergency fund of at least 6-12 months. You won't be getting anywhere close to 5.75% in either bonds or money markets right now so it will be money well spent. After that your house and other stu...
by i<3Investing
Wed Mar 14, 2012 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: fresh start need help
Replies: 8
Views: 489

Re: fresh start need help

I'm fine with a bond allocation % of my current age I looked at the TR 2050/2045 and the bond % is a lot lower should I choose an earlier tr fund? Or is there a better fund? A target retirement fund is a great place to start. There is no need to worry about the nitty gritty yet. Just get started Yo...
by i<3Investing
Wed Mar 14, 2012 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1707

Re: Young investor looking for improvements

I just wanted to chime in and say that for having 2 years in salary saved before you've hit 30 is great! Aside from that all I'll say is that you seem to be a little low on bonds (currently it looks like you're at 7.5%), and you might be low on international exposure. Bogle recommends your age in bo...
by i<3Investing
Mon Mar 12, 2012 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you commute to get cheaper housing?
Replies: 90
Views: 5850

Re: How much would you commute to get cheaper housing?

The problem is in LA it's more like:

1 hr for 90% of home price
2 hrs for 65% of home price
2.5 hrs for 50% of home price

Yay for renting :)
by i<3Investing
Mon Mar 12, 2012 11:31 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1473082

Re: What Book Are You Currently Reading? Part V

ejvyas wrote:I am currently reading Shantaram by Gregory David Roberts

I just gave this to my fiancee to read. She is really enjoying it so far.

I am currently reading:
  • Think and Grow Rich by Napoleon Hill
  • Jonathan Strange & Mr Norrell by Susanna Clarke
by i<3Investing
Thu Mar 08, 2012 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage temporarily carried by in-laws?
Replies: 21
Views: 1645

Re: Mortgage temporarily carried by in-laws?

All I'll say is that about 25% of the callers calling into the Dave Ramsey show everyday did something similar to what you're currently recommending then something went wrong. I would wait then buy the home (plenty of fish in the sea), or buy the home and refinance in a year.
by i<3Investing
Wed Mar 07, 2012 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: How Can I Invest In Single Family Houses?
Replies: 52
Views: 2565

Re: How Can I Invest In Single Family Houses?

bungalow10- what are your favorite/best forums for real estate investors like yourself? I would also like to know.. I've read through: ⋅ http://www.biggerpockets.com/forums ⋅ http://bbs2.mrlandlord.com/ ⋅ http://www.fatwallet.com/forums/finance/59627/ But always enjoy ...
by i<3Investing
Mon Mar 05, 2012 11:31 am
Forum: Personal Consumer Issues
Topic: Is Tahitian over water bungalow vacation worth the price?
Replies: 90
Views: 8043

Re: Is $10k too much to spend on a honeymoon?

I think it all depends. If you can't afford to max out your retirement accounts then 10k is too high. If you're maxing out your retirement accounts, and want to spend a little extra on a honeymoon, that's fine imo. I wouldn't even go into the whole saving vs. spending issue. My fiancee and I are goi...
by i<3Investing
Fri Mar 02, 2012 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Screw Up
Replies: 8
Views: 1098

Re: Student Loan Repayment Screw Up

I had a subsidized and unsub gov loan and wasn't able to split payments. They said it wasn't allowed.

I never really looked into it since I figured they weren't lying but that's my knowledge on the subject.
by i<3Investing
Tue Jan 17, 2012 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Rental property: hold on to it or walk away?
Replies: 18
Views: 2270

Re: Rental property: hold on to it or walk away?

For rentals I look to the 1% rule. Your rent should be 1% of the cost of the home... Having read a lot of rental property threads and forums, you can expect about 50% of that monthly rent to be used for long term repairs/problems (e.g. new roof, waterheater, paint, floors, dishwasher, aircon, garden...
by i<3Investing
Thu Jan 12, 2012 1:55 pm
Forum: Investing - Theory, News & General
Topic: Net Worth by Age [and plot]
Replies: 152
Views: 11659

Re: Net Worth by Age [and plot]

A bunch of the rows have become hidden (e.g. rows 38-43). I tried to unhide them myself but googledocs doesn't seem to want to listen. I only noticed since my data seems to be in one of the hidden rows.
by i<3Investing
Tue Jan 10, 2012 2:10 pm
Forum: Investing - Theory, News & General
Topic: Who are the Bogleheads - age adjusted net worth
Replies: 62
Views: 5958

Re: Who are the Bogleheads - age adjusted net worth

It doesn't help that my net worth has only been positive for about a year...

At my current savings rate:
Right now: 254k
In one year: 404k
In two years: 538k
3 years: 658k

I like where this is going :)