Search found 454 matches

by bogleblitz
Tue Oct 16, 2018 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4101

Re: Relocation to California

I'm surprise by the amount of negative about LA. I work from home in LA so maybe that makes this place a heaven. Since the OP wife also works from home, I think it is a great move. Go for it, you only live once. in my humble opinion, LA is the best place to live. worst case, you just move back in a ...
by bogleblitz
Sat Oct 13, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1969
Views: 366020

Re: What are you up YTD? [Year To Date]

my return is negative for the year. -0.7 75% stock / 25% bond. 70% USA / 30 international

international is killing me.
by bogleblitz
Fri Oct 05, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5197

Re: Mr. Money Mustache is the BOMB!

the article made it to marketwatch https://www.marketwatch.com/story/mr-mo ... 2018-10-05

Looks like he writes for marketwatch too now? Also the bad language c*$% is in the marketwatch article as well.
by bogleblitz
Thu Sep 27, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6796

Re: Got my new Iphone Xs

I got the Xs max for my wife and I. Great phone indeed.

however, I really don't see the difference between OLED and lcd screen. Therefore, I recommend frugal bogleheads to buy the Xr version coming out next month in October for only $750 instead of Xs $1000. Save yourself $250.
by bogleblitz
Mon Sep 24, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15781

Re: iPhone XS Max

My wife and I bought the Xs max and got the deal with $700 off for buying 2. Although it is a great phone, I think it is not worth the premium $1100. I can't really tell which is the better screen Oled or lcd, when I put the iphone 8 plus next to the Xs max. Therefore, I think iphone Xr is a better ...
by bogleblitz
Wed Sep 12, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15781

Re: iPhone XS Max

iphone 8 plus and Xs max are around the same size.

See the tech specs:
https://www.apple.com/iphone-xs/specs/

Xs max weighs 1 ounce more than 8plus.
by bogleblitz
Sat Sep 08, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2313

Re: Video Game Collection

I'm also a 41 year old gamer. I would sell them all. Regardless if they will go up or down in price.
Most of my games are all digital now.

I sold all mines when I got married and moved a few times.
by bogleblitz
Sat Sep 08, 2018 12:25 am
Forum: Personal Finance (Not Investing)
Topic: new homes being built next door, effect on value of my home?
Replies: 20
Views: 2109

Re: new homes being built next door, effect on value of my home?

I sold it to the developer next door that was building the new houses. Give it a try, I'm sure he would like to buy next door too. He even called me since my phone number was displayed in front of my rental house. the developer did not care what my house looked like, he was going to tear it down any...
by bogleblitz
Tue Aug 28, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: target date retirement funds or 3 fund portfolio
Replies: 12
Views: 1200

Re: target date retirement funds or 3 fund portfolio

I use target date. less errors. It also prevent me from doing stupid things like buy more US stocks, sell more international, sell more bonds, etc due to the monthly disaster news. i have both fidelity and vanguard. This is because I'm afraid one of them fidelity or vanguard might go out of business...
by bogleblitz
Tue Aug 28, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11998

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

I use both mint and personal capital mint for bank accounts, credit cards, mortgage, etc. Personal Capital for investment and 401k only. At one time, I managed it all in Mint. But then my total networth was going up and down 10k a day due to stock market. I wasn't sure if someone was stealing 10k fr...
by bogleblitz
Fri Aug 24, 2018 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21933

Re: Decent compensation to move to Bay Area CA?

salary is a bit low. regarding your RSU: 20k over 4 years? so you get 5k each year? 20k each year. So 80k worth of RSU over 4 years? As you are not used to the Bay Area salary, RSU is low. You can get 50k worth of RSU each year. Some people even get 100k RSU each year, etc. Since FANG stock has doub...
by bogleblitz
Sat Aug 18, 2018 1:38 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13890

Re: Remind me (again) how real estate isn't a GREAT investment?

Real life examples from me: - paid contractor thousands to repair/upgrade the house but they ran away with the money. - pipes get frozen in NorthEast, tenants have no water to use. - No heat in the winter time in 0 degrees weather, get called late at night. - toilet gets stuck, basement is flooded w...
by bogleblitz
Thu Aug 16, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: LA weather in April - Planning Disney
Replies: 5
Views: 408

Re: LA weather in April - Planning Disney

very good weather.

The only bad time for LA Disney is summer time since it is too hot.
by bogleblitz
Thu Aug 09, 2018 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LA - Tips Wanted
Replies: 26
Views: 2158

Re: Moving to LA - Tips Wanted

2) What do you wish you'd known when you moved there? a. Is the cost of living more than expected? What else surprised you? b. What frugal tips do you have for a newcomer to the area? 2. a. cost of living is exactly the same as Boston, where I moved from. Nothing surprising. b. Frugal tip: Eat In-N...
by bogleblitz
Sun Aug 05, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Apple Stock
Replies: 13
Views: 1697

Re: Apple Stock

No one knows anything. We all don't know if apple stock will go up or down in the future. Boglehead philosophy is that buying individual stocks should be your play money. Like going to the casino. If the apple stock is 5% of your total net worth, go ahead and keep it. Otherwise sell apple and buy an...
by bogleblitz
Thu Jul 12, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Money from LLC to Personal Bank Account
Replies: 5
Views: 537

Re: Transferring Money from LLC to Personal Bank Account

For large amount, write a check. For small amount, you can do online transfer. There are no tax consequences.
It is as simple as open a ally account.
by bogleblitz
Thu Jul 12, 2018 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital accounts problems...just me? good alternatives?
Replies: 9
Views: 1301

Re: Personal Capital accounts problems...just me? good alternatives?

for accounts not syncing, delete them and add them back. You can also login to the real fidelity 401k site and try changing passwords.

I think personal capital, mint, and all others uses the same sync technology in the back.
by bogleblitz
Wed Jul 04, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1800

Re: Evaluating New Job Offer

I guess I'm lucky to have best benefit of both of your jobs.

I would stick with job #1 with latest technology and keep looking.
by bogleblitz
Wed Apr 18, 2018 2:51 am
Forum: Investing - Theory, News & General
Topic: Tencent now largest non-US stock
Replies: 40
Views: 5292

Re: Tencent now largest non-US stock

They should change their name from Tencent to TenBillion.

I hate using Wechat but find myself reinstalling it everytime I need to talk to certain people.
by bogleblitz
Wed Apr 18, 2018 2:43 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 17498

Re: Is Los Angeles a good place long term to live financially?

1. Get an MBA at a good business school in the area (YES!) 2. Find a good paying job in LA after graduating (Yes, in this good economy) 3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone (MAYBE) 4. Buy a very big house (YES, if you...
by bogleblitz
Tue Mar 27, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Need wireless earbuds recommendations
Replies: 19
Views: 2012

Re: Need wireless earbuds recommendations

my wife and I both have airpods so we like them.
by bogleblitz
Sun Mar 18, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to participate in my Megacorp ESPP?
Replies: 12
Views: 1551

Re: Should I continue to participate in my Megacorp ESPP?

I think the average opinion is ESPP is always a good deal for free 10% money. Remember to sell right away. There should not be much gains if you sell right away. Or if the megacorp stock price stayed around the same price all year. ESPP is always a tricky when doing taxes. It is hard to see what you...
by bogleblitz
Sun Feb 11, 2018 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7558

Re: Live / work in California - Technology Career

This report is useful for you and the report came out 2 days ago.

https://www.linkedin.com/pulse/announci ... hul-patel/

Report says Los angeles has the highest salary after adjusting for cost of living for California only.
by bogleblitz
Sat Feb 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Google account stolen and I can't recover
Replies: 13
Views: 1676

Re: Google account stolen and I can't recover

usually gmail accounts get deleted after 1 year of not being used.

So your account expired and got deleted. Someone else start using it.
by bogleblitz
Fri Feb 09, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2665

Re: How Do You Discuss Starting Time when You Get a Job Offer

I'm in software engineering department. I worked at 4 different places over 10 years. I have never talked about starting time or leaving time with my bosses. My bosses never mentioned them. Work time was always assumed. I have seen people come in at 11am, take 2 hours lunches, leave at 4pm. Those pe...
by bogleblitz
Fri Feb 09, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 3580

Re: Not happy where we live

i would move back to florida. start looking.

I moved from Massachusetts to California 3 years ago and love it. I can understand people who feels lonely in a new city.
by bogleblitz
Fri Feb 09, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can the real estate market crash if there's no inventory?
Replies: 15
Views: 1632

Re: Can the real estate market crash if there's no inventory?

No, a real estate market does not crash because of no inventory.
by bogleblitz
Thu Feb 08, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: S&P 1550
Replies: 11
Views: 1747

Re: S&P 1550

1550 was around the time I started reading investment books, found this website and created an account. That was over 5 years ago.

It was a great 5 years.
by bogleblitz
Thu Feb 08, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1551043

Re: U.S. stocks in freefall

Ah those closing minutes were entertaining to watch! Oh Dow, just a few more points to get from around down 880 to a round 900. You can do it Dow! Oh wait, you managed to pass -1000 - way to over achieve! Ah nothing like a "Dow loses 1000 points" for a financial journalist. Love those round but poi...
by bogleblitz
Wed Feb 07, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 6340

Re: What time do you go to work?

10am - 5pm. same time as my boss.
by bogleblitz
Wed Feb 07, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 7085

Re: How to stop mail for former occupants?

I saved a whole box worth and manually delivered it to the person. Some of the mail was junk but some were also important.

I know where he lives so I drove up and explain to him that he should forward his mail. His bank accounts were about to be frozen by IRS and he wasn't getting the mails.
by bogleblitz
Mon Feb 05, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1551043

Re: U.S. stocks in freefall

I saw a 1.5% drop today and there was a smile on my face.

I was actually a bit worried that the market has gone up too much in January. Now we are back to the beginning of January. Time to go back to sleep.
by bogleblitz
Fri Feb 02, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: VPN for account security
Replies: 12
Views: 1950

Re: VPN for account security

The business VPN does not enhance security of your other home computers, ipads, and iphones. The business VPN does not decrease the chance of someone hacking into your vanguard account.

Using 2 factor auth, password manager and changing password regularly will greatly help in preventing hacking.
by bogleblitz
Mon Jan 22, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: phone call with Fidelity retirement relationship manager
Replies: 5
Views: 1101

phone call with Fidelity retirement relationship manager

Did anyone ever get a phone call from fidelity retirement relationship manager about their 401k? Are they reliable or just trying to sell me stuff? They recommend me to see a fidelity financial advisor in a nearby local office. Did my 401k portfolio start to get big enough for them to call me yearly?
by bogleblitz
Sat Jan 20, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 3983

Re: What's your annual cost of living (expenses)?

Married with 1 kid - HCOL - Los angeles

Annually should be around 70k per year. ( like do you subtract the principal amount from your mortgage ? )

Last year 2017, Mint.com said I spent $166,000 (60k in house renovations).
by bogleblitz
Sat Jan 20, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1788

Re: Turbotax Online vs CD/download

I've used both. I like the CD version more. I get to save a version of my tax. Then I can modify my taxes in different ways, and then jump back to a previous version of my taxes if I messed up. Maybe there is a way to do it online but I don't know how. The benefit of online is everything is online. ...
by bogleblitz
Wed Jan 17, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5977

Re: Friend Got Laid Off - Advice Needed

I am puzzled when people say the cloud is making software engineering obsolete. The unemployment in Colorado for high tech is right around 2 to 3%. There are a ton of jobs if you are able to sling code. Layoffs suck. That being said, $100K is not a huge sum from a salary perspective and he can very...
by bogleblitz
Fri Jan 05, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4697

Re: Oil filled space heaters

i like them because they are silent. while all others heaters i tried are noisy.
by bogleblitz
Thu Jan 04, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Smart home and new home security technology
Replies: 5
Views: 774

Re: Smart home and new home security technology

I heard bad things about ADT, where you will be stuck in a 2 year contract forever. I have the arlo security camera and it is pretty decent. I have never heard of Kuna or Vivint so I don't recommend them. I'm a fan of the Nest thermostats, nest cameras, and nest security system. I only have the nest...
by bogleblitz
Wed Jan 03, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Would your 401k bond fund ever be the one that does not have lowest ER offered?
Replies: 4
Views: 498

Re: Would your 401k bond fund ever be the one that does not have lowest ER offered?

no one will know which will perform better.

I was in a similar situation for my 401k. I picked both. I did 50% pimco and 50% index bond.
by bogleblitz
Wed Jan 03, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Investment property in Boston
Replies: 8
Views: 1038

Re: Investment property in Boston

i have an 3 family investment property in boston. I find it a very big headache. I hate dealing with tenants. My wife loves being a landlord and dealing with tenants. This week is the coldest ever in boston. I don't like dealing with snow shovel, and fixing broken heats even though I pay contractors...
by bogleblitz
Wed Jan 03, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Do you eventually get accustomed to your higher balances?
Replies: 47
Views: 7409

Re: Do you eventually get accustomed to your higher balances?

the good news is the market has been good the past 7 years. last year 2017 was a 20% gain. so even if market drops 20%, I only lost last years profit.
by bogleblitz
Thu Dec 07, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: New Chromebook user, loving it, quick question
Replies: 14
Views: 1831

Re: New Chromebook user, loving it, quick question

I used chromebook, windows, mac. I agree mac notepad is great.

Everything already mentioned (google keep, google doc, evernote) works great. I'm using all 3 for various reasons.
by bogleblitz
Thu Dec 07, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 7840

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

When was your last job change? It is time to change to a different company to get a higher salary. At 33 years old with 13 years, you should getting the maximum amount in IT for your field. Your last job hop, you only gain very little in salary. You can change jobs every 2-3 years. Next time you are...
by bogleblitz
Sat Nov 18, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Smoothing out a Property Tax bill
Replies: 13
Views: 972

Re: Smoothing out a Property Tax bill

Where are you trying to do this? In an excel spreedsheet? in Mint.com? etc?

mines is part of the mortgage so that makes it abit easier.
by bogleblitz
Mon Oct 30, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 12631

Re: we bought a house - are we housepoor now?

I'm also in tech with similar salary, mortgage and networth. I'm like a clone of you.

We are fine. Enjoy the house.
by bogleblitz
Sun Oct 22, 2017 1:59 am
Forum: Investing - Theory, News & General
Topic: Investing videos in Chinese (Cantonese)
Replies: 4
Views: 728

Re: Investing videos in Chinese (Cantonese)

Thanks for the links. I listen to chinese radio am1430 in Southern California and it's always confuses me when they say Dow, S&P 500, Nasdaq in chinese.