Search found 137 matches

by chuppi
Thu May 24, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 5096

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: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 20166

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: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 7676

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: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 7676

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: 2376

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: 2092

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: 967

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: Investing - Help with Personal Investments
Topic: Has 21% corp tax and deregulation already been factored into equity prices?
Replies: 8
Views: 872

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: 4319

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: 12162

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: 4117

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: 14432

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: 2962

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: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 120
Views: 22100

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: 2639

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: 2639

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: 6408

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: 8343

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: Investing - Help with Personal Investments
Topic: Am I missing on any tax deferred investments?
Replies: 4
Views: 495

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: 495

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: 7436

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: 7436

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: 1650

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: 2391

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: 7436

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: 2593

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: 2593

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: 176
Views: 20896

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: 3464

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: 3464

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: 42
Views: 6790

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: 1031

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: 5849

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: 13258

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: 1176

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: 3271

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: 4903

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: 1176

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: 1176

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: 16361

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: 8304

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: 11806

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: 1914

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: 7460

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: 1801

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: 433
Views: 51960

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: 8806

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: 2415

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: 3843

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: 179
Views: 33252

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...