Search found 160 matches

by aceoperations
Wed Mar 07, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Template
Replies: 12
Views: 1194

Re: Net Worth Template

I have a spreadsheet with columns for each fund I own. Every month I add a row, and I update the $$ in column corresponding to the fund. I sum up each row every month, which allows me to track net worth over time. I do not have debt of any kind since I am currently a renter. So I don't track liabili...
by aceoperations
Thu Feb 22, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 82
Views: 10579

Re: Do you rent even if you can afford to buy?

We currently rent a 3 br house even though we can afford to buy the same house that we are in. If we were to buy, we would go with a larger home and that would cost us more $$ / mo. Once childcare costs drop off for our 2 kids, then there is a lot more flex room for putting some money down into a mo...
by aceoperations
Fri Feb 16, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: I bonds instead of Total bond in a 3-fund portfolio?
Replies: 9
Views: 1787

Re: I bonds instead of Total bond in a 3-fund portfolio?

Based on the premise that any portfolio should take on risk by increasing equities in the asset allocation, it is not unreasonable to account for iBonds as part of the fixed income portion of the portfolio. It could serve as an emergency fund too, which, if you ended up actually using, you can rebal...
by aceoperations
Fri Feb 16, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment new tires
Replies: 15
Views: 869

Re: Wheel alignment new tires

If your tires wore out too soon, you need to have your alignment checked with or without new tires. Poor alignment could wear out your new tires too soon.
by aceoperations
Mon Jan 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3649

Re: PTO policy after international business travel

I have done the same journey for personal reasons a a dozen times. 9 days upon return just seems too long for readjustment. If you time the trip in such a way that you return a couple of days before the weekend, you should be able to return to work on Monday morning.

Edited for typos.
by aceoperations
Sun Jan 14, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 44809

Re: What frugal thing did you do today?

Boogieknight wrote: ↑
Sun Jan 14, 2018 9:23 pm
so I splurged on 93 octane....
Higher octane fuel does nothing for your vehicle that would otherwise run on lower octane fuel.
by aceoperations
Sun Jan 14, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on where to invest 400K
Replies: 7
Views: 1301

Re: Advice on where to invest 400K

The 400K I want to invest is from the sale of stock grants with my present employer. Is the 400K in cash while you plan to buy VOO over 36 months? Or is it in your employer stock? I would say you are better off investing the entire sum in VOO now, rather than keep it in your employer stock. If you ...
by aceoperations
Mon Jan 08, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: New 529 Plan Rules
Replies: 22
Views: 2548

Re: New 529 Plan Rules

Thank you for posting this. We have a toddler in private Montessori as well, who will be moving into the 3-6 yr age group. I'll be following this thread to see the responses from this excellent forum.
by aceoperations
Sat Jan 06, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 9971

Re: How much are you putting in a 529?

I am funding $5k/year for each of my two kids, ages 2.5 and 0.75 in Vanguard 529 (live in CA). While I have income to spare I would like to load up on some 529 and then have the option to stop contributions at some point in the future when there is lesser need or disposable income (like when we stop...
by aceoperations
Wed Jan 03, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 21
Views: 2389

Re: Good VPN?

Since a lot of VPN services are limited to a certain number of devices, you can run the VPN directly on the wireless router provided it supports it. For example, I was able to install Private Internet Access on Tomato router firmware, and all my devices at home are automatically protected now. One ...
by aceoperations
Wed Jan 03, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 21
Views: 2389

Re: Good VPN?

Since a lot of VPN services are limited to a certain number of devices, you can run the VPN directly on the wireless router provided it supports it. For example, I was able to install Private Internet Access on Tomato router firmware, and all my devices at home are automatically protected now. One t...
by aceoperations
Thu Dec 28, 2017 4:33 am
Forum: Investing - Theory, News & General
Topic: 2018 DJIA Stock Market Predictions
Replies: 22
Views: 2296

Re: 2018 DJIA Stock Market Predictions

Last time I predicted a dip, the market went up. Since I am so poor at predicting this stuff (which is why I am a boglehead), I'll do the same and hope history repeats itself :P

Djia = 22,464
by aceoperations
Thu Dec 28, 2017 2:38 am
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 21
Views: 2389

Re: Good VPN?

Private internet access
by aceoperations
Mon Dec 18, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 7349

Re: How do Bogleheads save on eyeglasses?

goggles4u.com

My current pair cost me $12, with anti reflective coating. My two kids have done some pretty bad things to it. :twisted: :twisted: Still typing this post with them.
by aceoperations
Mon Dec 18, 2017 1:22 am
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 2808

Re: Buying a new sofa with two young kids?

The "no food on couch" rule is good to enforce. When it fails (and it will), we have a faux leather sectional sofa we bought from IKEA. Spills can be simply wiped away. I would stay away from light colored cloth or cloth-like upholstery because even when kids are not eating on the couch, they always...
by aceoperations
Mon Nov 13, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2850

Re: Verizon Wireless - Asking for a lower rate

You could switch to a Prepaid plan. You could switch to Total Wireless (Verizon coverage) and pay $33.20/month with auto-pay (plus tax) for Unlimited/Unlimited/5GB 4G LTE data. I guess it can't hurt to call and say, "It is just one line, I want to lower my bill, what are some options?" I do not thi...
by aceoperations
Mon Sep 25, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3744

Re: BH phone review: Moto G5 Plus

Bought two of these last month for my in-laws. It was on sale for $175 (got one from amazon, and one from b&h). Really good value on these phones. It has all the features one would usually need, and it does them all reasonably well.
by aceoperations
Fri Jul 28, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 21787

Re: Best place to get eyeglasses / no vision insurance

I am typing right now with my $12 eyeglasses including anti-reflective coating. There are frequent deals on goggles4u.com. My current pair has taken an extreme amount of abuse from my 2 year old, and has still not even bent out of shape. 8-) 8-) Even if it did, $12 later, I'll be back where I left o...
by aceoperations
Tue Jul 18, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Net Worth?
Replies: 22
Views: 3561

Re: Personal Capital - Net Worth?

I used to have a Personal Capital account for viewing my portfolio. Then, they keep calling me to offer financial "advice" and have one of their "experts" look over my portfolio. They said, "It can't hurt to have someone look over it, just to see if you're missing something, right?" I deleted my acc...
by aceoperations
Tue Jul 18, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

Re: $1368 for new shocks/struts on '05 Corolla?

wrongfunds wrote:sorry, what I meant is that any place which tells you "this offer is valid right now and will be void if you don't take it immediately" is to be avoided at all costs in any field of life.
Agreed. I got out of there immediately! :)
by aceoperations
Tue Jul 18, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

Re: $1368 for new shocks/struts on '05 Corolla?

They were willing to give me 50% off the labor costs if I got the work done right then and there. This should be HUGE RED FLAG. Do you not have any trusted independent shop that can give you honest diagnostics? I don't see why this is a problem, except to indicate that the labor is overpriced to be...
by aceoperations
Mon Jul 17, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

Re: $1368 for new shocks/struts on '05 Corolla?

Thanks for the link to the reddit sub. Some good info out there. FYI, the sub redirects to r/MechanicAdvice/.
by aceoperations
Mon Jul 17, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

Re: $1368 for new shocks/struts on '05 Corolla?

OP here.... I got a complete suspension evaluation this week at pep boys for $20 (the Toyota dealership quoted me $135 for an evaluation). The suspension is fully worn down, and the mechanic suggested an immediate replacement. The strut boots are also torn and need replacement. Pep Boys quoted me $1...
by aceoperations
Fri Jul 14, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

Re: $1368 for new shocks/struts on '05 Corolla?

You only pay $300 for an entire set of tires - at Costco ? :shock: I shop for tires there as well (highly recommended), my usual bill is $800 and that's including the rebate of the month. Just a Honda Accord, nothing fancy. Conclusion: your shocks may be worn, but it's just as likely that your low ...
by aceoperations
Fri Jul 14, 2017 1:35 am
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 9434

Re: 90:10 AA - what don't you believe about it?

Based on the last 115 years, the 90/10 portfolio works 97-98% of the time. However, the article also states that 60/40 provides the highest terminal wealth in the worst 5% of those rolling 30 year periods (what is called tail risks in the article), and 70/30, in the worst 10%. That coupled with the...
by aceoperations
Fri Jul 14, 2017 1:27 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

Re: $1368 for new shocks/struts on '05 Corolla?

david99 wrote:Try getting an estimate on repairpal.com
Replacing front and back shocks, on both sides, is estimated at $1200-1300. I suppose this is the current market rate for this job.
by aceoperations
Fri Jul 14, 2017 1:13 am
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 9434

Re: 90:10 AA - what don't you believe about it?

Interesting article! Based on the last 115 years, the 90/10 portfolio works 97-98% of the time. However, the article also states that 60/40 provides the highest terminal wealth in the worst 5% of those rolling 30 year periods (what is called tail risks in the article), and 70/30, in the worst 10%. T...
by aceoperations
Thu Jul 13, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: International investing question
Replies: 17
Views: 1493

Re: International investing question

Even if international performs better, if you can't stick with it during the bad times you would be better off avoiding or limiting it. +1. We have had quite a few threads on here where people have questioned holding international due to it's relative flatness compared to the US stock market, or ev...
by aceoperations
Wed Jul 12, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

Re: $1368 for new shocks/struts on '05 Corolla?

I really appreciate all the detailed answers from everybody. It is almost unanimous that I should keep the car after fixing any suspension issues. That is what I am going to do. Whether I am going DIY or not depends on if it is actually a suspension issue like the mechanic said. If it is just a whee...
by aceoperations
Tue Jul 11, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

Re: $1368 for new shocks/struts on '05 Corolla?

Thanks for the great responses. DIY: I did see the front strut replacement video and it looks doable to me. Are the rear shocks any different? I could not find any videos explaining how that can be done, or how much easier/harder that is. Looks like full-strut assembly is the way to go if DIY-ing, a...
by aceoperations
Tue Jul 11, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 7210

$1368 for new shocks/struts on '05 Corolla?

Hi All, I was told that my shocks/struts are worn after 131k miles on my 05 Toyota Corolla. As a result, my last set of tires have just about had 21k miles on it before it is showing signs of uneven wear. For a full shock replacement job and an alignment, I was quoted $1368 by AJ-USA. These are KYB ...
by aceoperations
Mon Jul 10, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 8405

Re: How much of an increase of salary would you expect before switching jobs?

I'd wait for him to return your call. If you are sure you are not taking the job, then go ahead. If there is a chance they can make you a good offer, and you will accept, declining first and accepting later leaves a sour aftertaste in the hiring process. Just my 2 cents. Good luck!
by aceoperations
Sun Jul 09, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 8405

Re: How much of an increase of salary would you expect before switching jobs?

If the new position provides opportunities to learn and expand your skill set, you should at least consider it. Expanding one's horizon is key to keeping skill sets fresh. I took a new job last year that only provided about 15% increase in pay (including target bonus). I took it mostly because the r...
by aceoperations
Fri Jul 07, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 5182

Re: Buy a vehicle cash or finance?

We bought a new Prius V when we had our first child 2 years ago. Going with a non-0% loan made the car $1,500 cheaper because the dealership gets cash credit for getting someone to sign on a loan. The deal was that, once the dealership got their cut for the loan, I could go in and pay it off in cash...
by aceoperations
Fri Jun 30, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 25418

Re: Buying house - Very important decision

I have a friend here in southern CA who is also single income around the OPs salary with one child and wife. They recently bought a house around $500k, and mind you this is CA; it really does not get you too much. Probably around half of the sq footage of the OPs house . He moved in and the first th...
by aceoperations
Thu Jun 29, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: NYTimes Rent vs Buy - is inflation nominal or real?
Replies: 1
Views: 515

NYTimes Rent vs Buy - is inflation nominal or real?

I was playing around with the NY times calculator for rent vs buy, and had to input assumed investment income. Is this number nominal returns, or real returns after accounting for inflation? How do I input a number for this since one's asset allocation is not constant throughout one's investing care...
by aceoperations
Fri Jun 23, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 69
Views: 9835

Re: Can you share some of your financial goals?

When I started saving about 6-7 years ago in my first job, I did not have any specific goals. I was not going to buy a home anytime soon, no kids, no fancy vehicles, etc. But I'm glad I continued to sock away, because you know, life happens and specific goals develop later on. Now, I am saving up fo...
by aceoperations
Thu Jun 22, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1770

Re: How do you approach your ESPPs

Would you buy your company stock using cash you have in hand now? If not, no reason to hold on to your ESPP. In my view, I'm already heavily dependant on my company's performance for my salary. No need for my portfolio to rely on it as well.
by aceoperations
Mon Apr 24, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 6068

Re: Is $20K I-Bonds considered cash or bond?

I view iBonds as the "bond" or "fixed income" part of my portfolio. To me bonds are a lower risk portion of my portfolio, which I can always take out of to buy more equities should they become cheap. Also, any risk I take, I take on the equities part of my AA, not the bond section. In this regard, i...
by aceoperations
Mon Apr 24, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Options for downpayment (Good or bad?)
Replies: 13
Views: 1403

Re: Options for downpayment (Good or bad?)

Apart from the desperate measures to make the down payment, kids tend to be quite expensive. It will be best to wait to see what your affordability range is once you are into the parenting thing for a bit. In the meantime, it's best to save like crazy.
by aceoperations
Tue Apr 11, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 9025

Re: leaving early from work

Both of us work for the same employer and have to leave to pick up our child from daycare. We have buy in from our managers (different ones) that we will make sure to keep projects on track, and work from home later in the evening if need be - typically after child is asleep. This can turn out to be...
by aceoperations
Tue Mar 14, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4874

Re: Time Saving Tactics: Kids Edition

Lots of great tips here. DW and I often joke that we should get a Roomba, or a big dog :mrgreen: , which takes care of automatic cleanup! Some of the listed tips we do, like teaching our son to help with cleaning, and putting things away. The hope is that he picks up these things, and it gets better...
by aceoperations
Tue Mar 14, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4874

Re: Time Saving Tactics: Kids Edition

It's interesting to see that the comments circle around food and dishes. Our dishwasher has been out of operation for a while, and this is causing us major headaches. The numbers of spoons our little one pulls out for every meal is simply staggering! :D :D We did consider putting clothes on our son ...
by aceoperations
Tue Mar 14, 2017 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Tax reporting of returned excess 401k deferral
Replies: 5
Views: 924

Re: Tax reporting of returned excess 401k deferral

Thanks Livesoft and AlanS! The info was very helpful. One of the linked threads had the exact steps needed to add the excess deferral to the total income reported, using taxAct. I adopted the same steps for TurboTax. For any others who might benefit, here is what I did: 1) Under the "Retirement Plan...
by aceoperations
Mon Mar 13, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4874

Time Saving Tactics: Kids Edition

Hello Bogleheads! I was wondering what strategies people use to save time (most likely at a cost), when there are one or more kids in the household - especially the littler ones who demand constant attention. DW and I have full time jobs, and often fall behind on our household chores because we are ...
by aceoperations
Mon Mar 13, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Tax reporting of returned excess 401k deferral
Replies: 5
Views: 924

Tax reporting of returned excess 401k deferral

Due to multiple employers during the last year, I ended up contributing ~$1k over the $18k 401k limit for 2016. 1) I asked my current employer to tell Fidelity to return the excess deferral. They did, I got the check, and deposited it in the bank account. 2) The excess deferral of $1k is taxable in ...
by aceoperations
Wed Feb 22, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Household budget trim: next up is cell phone plan
Replies: 30
Views: 4027

Re: Household budget trim: next up is cell phone plan

DW is on Google Fi project, and loves it. You need to have one of the specified phones, but it should not matter to you if you are not a phone guy. DW is very strict about not using cellular data, and as a result, her cell phone bill averages $23 a month.
by aceoperations
Mon Feb 06, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 10942

Re: A Wellesley alternative

I have no idea what all those letters mean. It might help to fill in the fund names, instead of just ticker. You'll probably get more responses - just sayin'
by aceoperations
Mon Feb 06, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio 73/27 or 92/8?
Replies: 10
Views: 1429

Re: Is my portfolio 73/27 or 92/8?

My goal is to have retirement money at 90/10. Triple digit golfer, If you can retire on 90/10, that means you do not need this money to support your retirement. So, why does any of this matters? KlangFool The OP started off with... I'm sure the general consensus will be "It doesn't matter" or "Who ...