Search found 119 matches

by chuppi
Mon Oct 23, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Am I missing on any tax deferred investments?
Replies: 4
Views: 299

Re: Am I missing on any tax deferred investments?

Thanks. Bonds are mostly in 401K and so I am good. Hopefully I am using the right terminology here. One of us and the kids are on the HSA plan. We can fund the account with the after tax money and invest it. It will grow tax free and can be used for medical expense. The FSA is for childcare. I can g...
by chuppi
Mon Oct 23, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Am I missing on any tax deferred investments?
Replies: 4
Views: 299

Am I missing on any tax deferred investments?

Gross income - 280K. State CA. Don't work for the government. - We are maxing 401K - We are doing 5.5K back door RoTH each - We have college fund for 2 kids - One of us has HSA option. We max that starting this year - We take the 5K FSA allowed per year Are there any other tax deferred account (or w...
by chuppi
Thu Oct 19, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 37
Views: 3187

Re: Outback Vs Forester Vs CR-V ??

I have a 2013 Outback, 77k miles now, bought it used in 2015 with about 30k miles. It started burning oil around 60-70k miles and after a couple 1200mile tests showed oil consumption, they will be replacing the engine (the short block?) next week. It's all covered under warranty, so I don't really ...
by chuppi
Wed Oct 18, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 37
Views: 3187

Re: Outback Vs Forester Vs CR-V ??

I have a 2013 outback and currently close to 60K miles. Oil change is every 7500 miles but around 5000 miles, I get the low oil light and I add half a quart. Its been fine so far. I asked the service person at the dealership and I was told it was normal. The owners manual say that that burning some...
by chuppi
Sun Oct 15, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1270

Re: Happy Consumer Story (Backpacking Tent)

They may not be around for long if they feel obligated to replace tents sold 15 years ago. :D I work in customer service myself. I would have offered to sell the latest tent of customers choosing at 50% OFF in exchange for the old tent. I had a very good experience with REI. Things seem expensive at...
by chuppi
Sat Oct 14, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buying 2nd House - Affordability Check
Replies: 17
Views: 1981

Re: Buying 2nd House - Affordability Check

I don't like the idea of keeping your current house as a rental. Within 3 years you'd lose your $500k capital gains tax exemption. Furthermore $3000 of rental income for a home worth $720k is not a good value for a rental, as it's barely 0.4% per month in income whereas the best rentals are closer ...
by chuppi
Sat Oct 14, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 37
Views: 3187

Re: Outback Vs Forester Vs CR-V ??

I have a 2013 Outback, 77k miles now, bought it used in 2015 with about 30k miles. It started burning oil around 60-70k miles and after a couple 1200mile tests showed oil consumption, they will be replacing the engine (the short block?) next week. It's all covered under warranty, so I don't really ...
by chuppi
Thu Oct 12, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Tesla roof deposit: Anyone paid one?
Replies: 16
Views: 2107

Re: Tesla roof deposit: Anyone paid one?

I just spent $13.5k on a new shingle roof and $17.5k for solar panels. By comparison, Tesla roof was $96k When it's time to replace the roof, I will get quotes and compare. I am not for one or the other at this point. I know roof cost would vary from place to place. If tesla roof cost is 96K, it is...
by chuppi
Thu Oct 12, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Tesla roof deposit: Anyone paid one?
Replies: 16
Views: 2107

Re: Tesla roof deposit: Anyone paid one?

If so then what is your wait time for the roof? how did the quote to install compare with the online calculator? I'm purchasing a property that needs a new roof ($25K) and I'm looking into the feasibility of a Tesla roof knowing that in 5-years or so the chances are I'll own 2 x electric cars. Than...
by chuppi
Thu Oct 12, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13843

Re: What's your asset allocation and why?

Age 41/38
Stocks/Bonds/Cash(emergency) - 65/30/5
I want to be at higher stock but I got a windfall last year and I increased my bond allocation. I will stay this way and I am okay with it for now. I will consider rebalancing to 75/25 in the future. I don't need to dip into this for the next 20 years.
by chuppi
Tue Oct 10, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2638

Re: What is a good Asset Allocation

chuppi, It is very simple. Assume that you stock portion drop by 50% and your bond stay the same. Then, see how long can your portfolio last if you lose your job at the same time. KlangFool Thanks. I thought bond fund might fluctuate a little bit. Looks like it is not significant. So I think the or...
by chuppi
Tue Oct 10, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 2638

Re: What is a good Asset Allocation

Related question. Is it possible to simulate the affect of the market swings on my asset allocation/funds with a reasonable accuracy? For example key in s&p falls to 1800 abruptly, how it might affect various funds and how much I might lose in a portfolio. I have ~30% bonds. How is it different from...
by chuppi
Fri Oct 06, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 19
Views: 2016

Re: personal capital

Based on the suggestion here, I setup an account on personal capital. I really like their dashboard. I got a call as well suggesting the 20minute complimentary call with the advisor. I told them that I will not be signing up for their investment advice service and don't want to waste their time with...
by chuppi
Thu Sep 21, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: How does this two factor authentication work?
Replies: 9
Views: 721

Re: How does this two factor authentication work?

I could be wrong but I thought that the program that loads the page, generates the number and texts it to the number provided at sign-up. When the user enters the number that came in the text, the program just checks if it matches with the one it generated and texted.
by chuppi
Tue Sep 05, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?
Replies: 35
Views: 5111

Re: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?

Very trivial comment in the grand scheme of things. If I were to retire and if I had a choice, I would work for at-least a couple of months into the following year to earn money at no tax or at minimal tax. A follow-up question to other posters. Would it work if the OP keep the house for another 10-...
by chuppi
Wed Aug 30, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10127

Re: Companies/Brands You Love?

Tubus - bike racks
Ortlieb - Panniers
Revo
Apple
Tesla - don't own anything yet
Banana republic
Clarks
Pottery Barn
Patagonia
The North Face
Vanguard
Western Mountaineering
MSR
by chuppi
Mon Aug 28, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What it means to be acquired by a holding company?
Replies: 6
Views: 960

Re: What it means to be acquired by a holding company?

Thanks Ron, downshiftme, dm200 It looks like they are looking to grow the company, add value and exit in a few years. I heard that they might grant stock in the new company to some people. I am not going to count myself in that. I like my job and the flexibility that comes with it. I don't think my ...
by chuppi
Mon Aug 28, 2017 8:44 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett on America
Replies: 9
Views: 2996

Re: Warren Buffett on America

Thanks for posting.
I can watch Buffet speak all day and won't be tired of it.
Great sense of humor, abundance of wisdom, great vision and yet so down to earth.
by chuppi
Sat Aug 26, 2017 5:21 am
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 24
Views: 2410

Re: How and when do you decide to do Tax Loss Harvesting?

Others here have rules of thumb for when it's worthwhile to TLH, or they may carefully track cost basis for every purchase and dividend reinvestment so they can pounce on even a modest downturn. Some will pull the trigger for $10 whereas some wait 'til it's $1000. I envy those people :happy . I hav...
by chuppi
Fri Aug 25, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What it means to be acquired by a holding company?
Replies: 6
Views: 960

Re: What it means to be acquired by a holding company?

Thanks drk. you were right. I just had to wait. There was no choice. I got the money for both options as well as stocks. options were paid as earned income. It is not a life changer but I am happy that I got something.
Now I am kind of walking in the dark with the restructuring.
by chuppi
Sun Aug 20, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: What it means to be acquired by a holding company?
Replies: 6
Views: 960

What it means to be acquired by a holding company?

I work for a VC funded, privately held 15+ year old company. I have been with the company for a long time and do have company stocks. There is news that the company has been acquired by a holding company. I checked out the company and it has a portfolio of several companies. From their profile, they...
by chuppi
Sat Aug 12, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13470

Re: Another bay area housing thread..

Update: The house was on the market for 7 days, at which point we told people they had to have offers in. We had 12 offers. I listed my condo last year in what I thought was a hot market. There was a lot of interest but we got just one offer the Monday after listing. It was the highest in the compl...
by chuppi
Sat Aug 12, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7150

Re: How does personal wealth affect job hunting?

I am in the consulting/services line of work. I am in my current job for 11 years now. This is a 17 year old company. With my current job, I absolutely don't have any stress. I work from home a lot and there is lot of flexibility. Our customers are small to mid-size and I don't have to travel other ...
by chuppi
Sat Aug 12, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9589

Re: When does renting make sense

For me living in my own house gives me stability. My older one is joining kindergarten next week. I know my two kids will complete highschool here. I don't have to worry about moving or rent increases. I can plan everything for long term. I never viewed a house as a investment but my first condo was...
by chuppi
Sun Aug 06, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Question for MTB'rs. Buying a bike.
Replies: 22
Views: 1440

Re: Question for MTB'rs. Buying a bike.

Not many people know that bikes are expensive. I think if you buy any bike and put it to good use, you won't repent it. People often buy and then realize it is not the right one. Give it some serious thought before pulling the trigger. Some bike shops do have demo bikes that you can rent before buyi...
by chuppi
Fri Aug 04, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 6018

Re: Anyone else have trouble spending?

I think a lot before spending (big tickets) but luckily don't ponder over it once the money is gone. Getting ripped off (especially at the dealers) makes me anxious. I don't have much problem spending money when I see value. One way is to avoid 'save as much as you can' trap. Save as much as needed ...
by chuppi
Fri Aug 04, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1365

Re: Garage ceiling bike storage

Try a rack like the one in the link.
http://www.homedepot.com/p/Rubbermaid-F ... /100387746

I have something similar and it works well for me.
by chuppi
Thu Aug 03, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 24400

Re: A poll: How much money do you need to retire?

age 41/38. Net worth without home equity 1.6mil
Want to get kids college tuition and pay off home. I want to retire or switch to part time by 56/53. I think 3million will do but I am not sure. I will reevaluate every few years.
by chuppi
Wed Aug 02, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7333

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

I know you are discussing mover with IC engines but wanted to mention the corded electric mover that I got. I got greenworks mover from amazon and it works great. I may have around 600-700sq ft of grass in two separate patches. It works fine. managing the cord is not very easy but I am fine with it....
by chuppi
Tue Aug 01, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2072

Re: Pool Maintenance Savings

The owner was a member of the recently discontinued Pool Forum for a number of years before buying into TFP. He—and all of the early participants—learned about 'BBB' from Pool Forum / Pool Solutions. This site, minus the forum, continues to be available: http://www.poolsolutions.com/index.html It i...
by chuppi
Tue Aug 01, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 3108

Re: Any BH mountain bikers?

I love biking. I am currently planning for a 9 day cyclocamping trip around crater lake and Northern California. I usually ride mountain bikes. I used to commute before but not possible now. A few pointers - get the right fit. Competitivebike site has a fitting calculator that gives you a general id...
by chuppi
Mon Jul 31, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 160
Views: 26776

Re: $13 Million Goal for Early Retirement (am I crazy?)

Suppose you amass 12million and you retire at age 50. Lets say you stick to around 120K annual expense or a little more. If your portfolio grows 3% over the next 20years, you will end up with 17million at age 70. Even if you retire with 5million, you will be with almost 6million in assets after 20ye...
by chuppi
Sat Jul 29, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Rent vs sell condo with big capital gain
Replies: 17
Views: 1745

Re: Rent vs sell condo with big capital gain

I would sell and call it good. A big capital gains tax means you made big money. That's not necessarily a bad thing, IMO. As you said, we can't predict housing prices. A bird in the hand, and all that... I followed this advice. Didn't want to be a landlord. Dealing with HOA is a pain as well. I pre...
by chuppi
Sat Jul 29, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Pool maintenance - which chemicals and how much?
Replies: 7
Views: 614

Re: Pool maintenance - which chemicals and how much?

I highly recommend this site, and its associated forums. It is the bogleheads.org of swimming pool maintenance ... https://www.troublefreepool.com I second this site. You mostly need chlorine. I had a green pool last year and went to them for help. It cleared in two weeks with their advice. There w...
by chuppi
Sat Jul 29, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13470

Re: Another bay area housing thread..

So to the OP, I want to point out that housing expenses will suck up everything even from a high income . Rents seem expensive at 3K per month. But property tax alone can be 2K per month once you buy a 1.7Mil house. It's not as if this is some kind of fait accompli or iron law. My mortgage for my h...
by chuppi
Sat Jul 29, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13470

Re: Another bay area housing thread..

Hi bogleheads, Have a question and would like some boglehead advice on how to value RSUs in the determination to buy a house in the bay area. About us: Trying to figure out how to buy a house in the bay area, an astronomically high COL area. Our decisions are whether to buy now what we can afford, ...
by chuppi
Sat Jul 29, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Buying a house four months before a lease has expired
Replies: 18
Views: 1009

Re: Buying a house four months before a lease has expired

Lots of options for working around this issue, including delaying a closing date .... bottom line I wouldn't let the lease materially impact my purchase decisions. Best of luck. Agree. Buying a house is far too important to be affected by rental situation. I had to go through this. I lost some mone...
by chuppi
Sat Jul 29, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13470

Re: Another bay area housing thread..

Hi bogleheads, Have a question and would like some boglehead advice on how to value RSUs in the determination to buy a house in the bay area. About us: Trying to figure out how to buy a house in the bay area, an astronomically high COL area. Our decisions are whether to buy now what we can afford, ...
by chuppi
Sat Jul 29, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4516

Re: Wooden flooring in kitchen

I had installed engineered wood floor in my living room/kitchen in the condo. There was a leak from the dish washer and it damaged the wood before I realized. I installed the wood floor myself and it was of a click lock type. There is no glue, you can remove and put it back easily. I lived with the ...
by chuppi
Tue Apr 18, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 40
Views: 4997

Re: Accidental landlord turning to for sale by owner

I thought of selling my condo without using an agent. I thought that it should be easier to sell a condo because the value of the condo is comparable to units sold in the recent past. Just know that if someone is buying it from you without a realtor, they would like to save money just like you are. ...
by chuppi
Thu Mar 23, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 9388

Re: Used German Luxury vs New Japanese

I am in a similar situation and I am kind of getting both. We have a 2013 subaru outback and 2008 infiniti G35. My brother is taking my outback and I am getting 2014 mdx for 7 seats to replace it. I am looking in carmax and will pick up one very soon. Outback is manual transmission and I want to dri...
by chuppi
Sun Mar 19, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 25949

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

I understand OP's dilema. If you decided to wait and then the market goes up, it just feels too stupid to go back in. What if there is a market crash right after.That is even worse. More than 7/10ths of my asset is invested and I don't worry about it because I have long ways to go. I did get a windf...
by chuppi
Mon Mar 06, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 2142

Re: Sonos Wireless sound?

I have play:1 and I love it. I was so impressed that I ordered play:5. It could be just me or the piece I received. None of us at home could tell the difference between Play:5 and Play:1. I kept them in the same location in the living room, played same songs, switched randomly from one to other tryi...
by chuppi
Sun Feb 26, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 14
Views: 2397

Re: backyard - Accessory Dwelling Unit ...

Thanks carefreeap for your comment. will follow your advice.
by chuppi
Fri Feb 24, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 14
Views: 2397

Re: backyard - Accessory Dwelling Unit ...

I checked with the planning department and they do allow the accessory dwelling unit in the backyard. There are setback requirements but I can still build a 10x20 very well. I found a local builder online who specializes in building these kinds of units. I sent him a note and he gave me a rough esti...
by chuppi
Wed Feb 22, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 4303

Re: Utility Bills - How do ours compare?

1350sq ft - 3bed/2bath, 2 speed pool pump Electricity - around 300KWh per month ~ 600 to 700$ per year Gas - 80 to 100therms in winter. maybe 10therms in winter ~ 1000$ per year I moved from a condo where my total energy bill was 50$ a month. I am trying to make the house as energy efficient as poss...
by chuppi
Mon Feb 20, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 6563

Re: Should we purchase a $1 Million dollar home with all cash?

As some suggested, you can consider keeping the mortgage similar or slightly more than the rent obligation you have now. Any loan greater than 625K is considered jumbo loan. You will get better interest rate if you keep it below jumbo. Also see if you can get a 15 year fixed. In my case keeping the ...
by chuppi
Wed Feb 15, 2017 1:58 am
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 10245

Re: Appalachian Trail thru-hike in retirement?

My wife and I plan on thru hiking the Appalachian Trail the spring after we retire. (2016 or 2017)Any one else have these plans. We have been talking about this for at least 10 years now. As of right now, excluding time with family, hiking the trail is the only major thing on our bucket list. What ...
by chuppi
Wed Feb 15, 2017 1:29 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 65
Views: 5418

Re: New cars or Pool?

I bought a house with a pool. This is my second year. It will cost some money to maintain. I do chemical balance and cleaning myself. Lot of learning but I have figured it out now. I don't have any problem doing work around the house. There is a cost to having a pool in the backyard. I found a small...
by chuppi
Sun Jan 22, 2017 1:46 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 14
Views: 2397

Re: backyard - Accessory Dwelling Unit ...

Make sure you check out your local land use ordinance for details on what is and isn't allowed. You may be pleasantly surprised, but it's best to do this early. Absolutely! The rules can be both surprising and complex. It could be that some very simple choice could become a mess. Neighbors of ours ...