Search found 149 matches

by chuppi
Mon Jul 27, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6014

Re: Walking OK with sun exposure?

westie wrote: Mon Jul 20, 2020 12:03 pm love their hats...

https://www.sundayafternoons.com/
I second this. It’s very light weight, great quality and you won’t realize you are wearing it.
The one I have is 10 years old and is good as new after a lot of backpacking and day hikes. Even my kids keep them on without complaining.
by chuppi
Thu Jul 16, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof - Any Installs? Consults?
Replies: 9
Views: 1258

Re: Tesla Solar Roof - Any Installs? Consults?

I agree that the numbers do not look too bad. I would like to get some real life experience before considering solar roof from Tesla. I think you should compare 'regular roof + solar panel' cost vs 'solar roof' cost and take the battery out of the equation to see if the cost is comparable. If the ro...
by chuppi
Wed Jul 08, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: Pre-fab (modular) home building experience
Replies: 61
Views: 4501

Re: Pre-fab home building experience

I was able to build a detached Accessory unit 312sqft in my backyard. You can call it guest house, pool house or office space. All the walls were prefabricated and came in a flat bed. The local crew was able to erect it in 2 days on a previously installed foundation. The roofing, dry wall finishing,...
by chuppi
Sat May 23, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation?
Replies: 49
Views: 4684

Re: Bicycle Recommendation?

I have always bought my bikes used but in new condition. Let the first owners new year resolution pay for the initial depreciation. I look for good components/brand and buy them almost new. I setup alerts on eBay and craigslist and act quickly when I find one. Prefer eBay but eBay is adding tax on u...
by chuppi
Thu May 21, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1845

Re: Frequency of bike overhaul or tune up

I would advise buying a bike chain gauge, for about $11. Clean and lube your chain every couple hundred miles and use the gauge. If you cannot make it fit, your chain is fine. If it fits on one side, the chain needs to be replaced. If it fits on both sides you need to replace the chain and rear cas...
by chuppi
Tue Mar 24, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16142

Re: Coronavirus Flight Cancel Thread

I had reservation to travel on Hawaiian Airlines to Honolulu on April 6th and return on April 12th. I made the reservation through orbitz. airline cancelled my ticket today and I got the cancellation notice. Since airline canceled on me, am I not entitled to a refund? Message from orbitz is ### Your...
by chuppi
Mon Mar 23, 2020 10:29 pm
Forum: Personal Investments
Topic: 100 percent stock investors: any of you adding bonds now?
Replies: 51
Views: 3632

Re: 100 percent stock investors: any of you adding bonds now?

Age 44. I was at 70/30 stocks/bonds. I want to go 100 stocks and slowly moving to stocks now. I am probably at 80-20 now. I was conservative before because I was investing a windfall 2-3 years ago. I have a bloated emergency fund - 2 year expense. I will cut that to 1 year emergency and put the rest...
by chuppi
Sat Mar 14, 2020 6:00 pm
Forum: Investing - Theory, News & General
Topic: So yesterday I leveraged up
Replies: 75
Views: 8149

Re: So yesterday I leveraged up

Question to the OP. How do you leverage up? Is it with options/margins? Refinancing with cash out or HELOC loan may be a way to leverage and invest in stocks. I am not thinking of doing any of that but wanted to know how one would do it. I am at around 30% bonds and 70% stocks. My wife and I have be...
by chuppi
Mon Mar 09, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1368

Re: mountain bike purchase

Since the market is going downhill fast, my partner is looking for a mountain bike upgrade from the REI starter model she purchased a number of years ago. She doesn't need absolute top of the line, but she does want, in her words: "front suspension, hardtail, disc breaks, 27.5 wheels for technical ...
by chuppi
Fri Jul 26, 2019 12:45 am
Forum: Personal Investments
Topic: What to do in a crash
Replies: 65
Views: 7703

Re: What to do in a crash

I recently got 250K HELOC. My credit union offered it with no closing cost and so I took it. I never intend to draw the money and definitely won't bother for minor corrections. It is there if I want to buy stocks on the cheap.
by chuppi
Tue Nov 27, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Buying Used Tesla Model S? What to look for
Replies: 11
Views: 2191

Re: Buying Used Tesla Model S? What to look for

Not sure if the original poster already bought Tesla Model S. I am also considering this and wanted to reuse this thread instead of starting a new one. Thanks harikaried for clarifying the autopilot. I am following a site https://ev-cpo.com/hunter/ for the inventory. I see Auto Pilot with 3 options ...
by chuppi
Tue Aug 28, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 13773

Re: How do you 7 figure guys organize multiple accounts?

I use personal capital for managing my checking, savings and credit card accounts. I really like the cash flow and budgeting tools. It also makes easy for me to check my CC transactions every once in a while. It works very well. I used to have my 401K and brokerage accounts added in there as well bu...
by chuppi
Thu May 24, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 6429

Re: I've never budgeted sucessfully

I know how important a budget is, but I have never been able to do one. I've tried YNAB (and recommended it to another poster in this forum), and others, as well as small notebooks, etc. I fully realize it's not the budgeting tool that is the problem; it's me. I do it for a week and then don't foll...
by chuppi
Fri Mar 30, 2018 11:06 pm
Forum: US Chapters
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 30950

Re: A lot of heavy hitters this morning

Love this board but can't help to feel disconnected this morning when the first 3 posts are something like: 1) I will be making $350K, should I save for my kid's 529? 2) Should I buy a $1.2 million condo? My inlaws just gave me $235K. 3) I got a $600K windfall...should I pay off mortgage? Feeling a...
by chuppi
Mon Feb 12, 2018 6:39 pm
Forum: Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 8797

Re: I didn't tax-loss harvest this month, did you?

I need some help with understanding tax loss harvesting. If I just look at the cost basis on my account in vanguard, just one of the funds show short term losses of $1500. My guess is that if I check the lots that I purchased, there may be additional losses to harvest in other funds. Thanks for you...
by chuppi
Sat Feb 10, 2018 6:43 am
Forum: Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 8797

Re: I didn't tax-loss harvest this month, did you?

I need some help with understanding tax loss harvesting. If I just look at the cost basis on my account in vanguard, just one of the funds show short term losses of $1500. My guess is that if I check the lots that I purchased, there may be additional losses to harvest in other funds. Thanks for your...
by chuppi
Sat Jan 27, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 3187

Re: April in Paris - Your favorites or suggestions?

Timely thread. I will be in Paris in the first week of April. Any suggestions on the local sim card?
Thanks for tips and suggestions.
by chuppi
Fri Jan 26, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 2668

Re: Machu Picchu and Galapagos in late March 2019

I went to Cusco/Machu Picchu last November. Was there in the sacred valley area for 5 days. A few pointers - You don't need a tour company to travel around in the Machu Picchu area unless you are doing the inca trail - Altitude sickness wasn't a issue. I have two boys 3 and 5 and none of us had any ...
by chuppi
Tue Jan 23, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: 25x 50x etc. [evaluating multiples of expenses in retirement]
Replies: 8
Views: 1251

Re: 25x 50x etc. [evaluating multiples of expenses in retirement]

Welcome!
The multiple discussed in this forum is usually yearly expense multiple. So it is multiple of 72K in your case. But you should consider taxes, health care. 25X is usually when you are retiring at age 65. Any earlier, you should have some cushion. Hope this helps.
by chuppi
Mon Jan 01, 2018 11:29 am
Forum: Personal Investments
Topic: Has 21% corp tax and deregulation already been factored into equity prices?
Replies: 8
Views: 1009

Re: Has 21% corp tax and deregulation already been factored into equity prices?

Market is essentially a result of collective ‘wisdom’ of all people investing.
Most people would have already put their Warren buffet hat and made their investment decisions based on tax and regulation :)
by chuppi
Fri Dec 22, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 5120

Re: Has anyone here purchased a home for cash (no mortgages)?

Did it once in 2010. There was a HOA vs builder litigation and conventional loan wasn't available. Condos that sold for 500K+ in 2005-2007 were going for 250K. I went there to check without knowing why they were going for so low. I joked with the listing agent that I will check under the mattress an...
by chuppi
Mon Dec 18, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 14774

Re: How much did you contribute to your 401k in 2017?

Retired March 1st, but managed to get the max + full catch up in before I left, greatly reducing my 2017 taxable income. This was part of my strategy for minimizing my MAGI for ObamaCare. Did pretty much the same thing, though I worked till Apr 1. Maxed 401K, HSA+catchups, and spousal IRA. Started ...
by chuppi
Mon Dec 18, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 4601

Re: Mentally loosening the strings

Ok maybe not the best thread title :wink: but my wife and I both grew up in homes where money was a concern, so we're naturally big savers. We're fortunate with job success and no longer worry about finances, but still have trouble splurging. We don't feel we need a bigger house or nicer cars, but ...
by chuppi
Tue Dec 12, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 16236

Re: "Desidoreta"

lostinjersey: This is my favorite poem. It has helped me through life. It can do the same for you and your family. Desidoreta Best wishes. Taylor Thank you very much for this Poem. I am aware of some of this based on life experience. :) I have bookmarked it and will go there every now and then.
by chuppi
Thu Dec 07, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 35
Views: 3578

Re: Timing the housing market

This is such a difficult topic. It is very hard to predict. We will never know when we will get the next 2010 -2012 buying opportunity. I think one should focus more on buying the right house and for the long term. Even if the market tanks, You are fine as long as you can make payments and you enjoy...
by chuppi
Fri Dec 01, 2017 9:55 pm
Forum: Personal Investments
Topic: Delete
Replies: 120
Views: 24307

Re: Reached 4M target. Taking money off table. Advice?

You did well. Congratulations. If I were you, I would pay attention to downside risk and maybe go 50/50 stock/bond or even keep some 2-3 years worth of minimum yearly expense in cash/cd. Like someone said, 4million going to 8million does not make any difference to you and your lifestyle. You don't w...
by chuppi
Fri Dec 01, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 3170

Re: For Musk, an Energy Feat the Size of a Football Field

Musk is a modern day snake oil salesman. I wouldnt touch that stock with a 10 foot pole. This may be the first time ever that he actually delivered what he promised. Howdy. Snake oil salesman? Yep. Occupational hazard when you are trying to lead aggressive change in hard things while keeping your s...
by chuppi
Fri Dec 01, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 3170

Re: For Musk, an Energy Feat the Size of a Football Field

Musk is a modern day snake oil salesman. I wouldnt touch that stock with a 10 foot pole. This may be the first time ever that he actually delivered what he promised. He made electric cars cool again. I don't own any tesla products or stocks. As far as I am concerned he is a genius and he deserves a...
by chuppi
Mon Nov 13, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 7019

Re: Losing all of your savings.

Most people make mistakes. Some more expensive than the others. Some early on than the others. Important step is to recognize and learn from the mistakes. Start now with a plan and stick to it. Be realistic in your expectation and not look for miracles. Cut costs as much as possible and invest the r...
by chuppi
Fri Nov 10, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 10667

Re: Costco for tires and car insurance?

Try walmart as well.I replace the tires on outback recently. I did check a lot of sites then. I don't remember all the details but I paid around 350$ at walmart. I am pretty happy with it.
by chuppi
Mon Oct 23, 2017 11:47 am
Forum: Personal Investments
Topic: Am I missing on any tax deferred investments?
Replies: 4
Views: 575

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: Personal Investments
Topic: Am I missing on any tax deferred investments?
Replies: 4
Views: 575

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: 58
Views: 9288

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: 58
Views: 9288

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: 1929

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: 2652

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: 58
Views: 9288

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: 2998

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: 2998

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: 178
Views: 31850

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: Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 4972

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: Personal Investments
Topic: What is a good Asset Allocation
Replies: 48
Views: 4972

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: Personal Investments
Topic: personal capital
Replies: 42
Views: 8450

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: 1197

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: Personal Investments
Topic: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?
Replies: 35
Views: 6162

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: 15605

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: 1397

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: 3405

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: 47
Views: 6605

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: 1397

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.