Search found 480 matches

by TheOscarGuy
Sat Jul 14, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 94
Views: 6426

Re: Early retirement

I believe that part of the issue is because many people, including a lot of Bogleheads, view healthcare as a qualitatively different expense than all others. No one ever asks "You're planning on retiring early? What will you do about groceries, your utility bill, and clothing?" While healthcare exp...
by TheOscarGuy
Sat Jul 14, 2018 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 94
Views: 6426

Re: Early retirement

Another common question is "What will you do for medical insurance?," as if (1) you can only get medical insurance by working for an employer who provides it and (2) medical insurance is the only means by which you can get healthcare on this planet. It is a legitimate question to ask: we don't know...
by TheOscarGuy
Sat Jul 14, 2018 5:54 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6413

Re: Dave Ramsey made me laugh today

I was listening to his podcast and he basically said this: "Bonds are stupid, they decrease in value in rising interest rates. I don't own any bonds and all of my mutual funds are in stocks." He then rattled off his usual "growth, growth/income, aggressive growth, international" allocation. Seems s...
by TheOscarGuy
Thu Jul 12, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Trade War: time for Mac Upgrade?
Replies: 34
Views: 2819

Re: Trade War: time for Mac Upgrade?

I keep computers for four-six years. Large parts of Apple's current laptop and iMac lineup hasn't been refreshed since June 2017. Given my preferences to stretch four to six years out of a computer purchase personally I would not buy something that is already a year old. If, however, you'd be OK wi...
by TheOscarGuy
Thu Jul 12, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Trade War: time for Mac Upgrade?
Replies: 34
Views: 2819

Re: Trade War: time for Mac Upgrade?

My Macbook Pro (mid-2012) running OS 10.11.6 (El Capitan) is beginning to act up. I haven't upgraded my OS because of software issues (YNAB upgrade turns into a yearly fee) & Apple will soon stop issuing security updates for El Capitan. This has me thinking of upgrading to an iMac & ditching YNAB f...
by TheOscarGuy
Wed Jul 11, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Compensation
Replies: 21
Views: 3457

Re: Compensation

How do you folks find out if you are bring compensated competively and fairly? Websites? H1B info? I am in the Bay Area, and I have a sneaking suspicion I may be undervalued. Home price increases have outstripped income increases. Run the numbers and it’s a choice between funding 401k, home, kids, ...
by TheOscarGuy
Tue Jul 10, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5300

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I am having the below services down on my 2015 Honda Accord purchased new in August 2015. Until now I have only had oil changes done. Any insight on a) likelihood these services are actually needed, and b) reasonableness of costs. I live in Washington, DC area so probably higher than average cost o...
by TheOscarGuy
Sat Jul 07, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Just purchased the new 2018 Jeep Wrangler
Replies: 12
Views: 1230

Re: Just purchased the new 2018 Jeep Wrangler

harrington wrote:
Sat Jul 07, 2018 3:36 pm
It is a vastly improved vehicle. Any other Wrangler fans in Boglehead land?
Gawd man, here comes the Camry police :D
Congratulations. Never owned one but it does look nice.
by TheOscarGuy
Sat Jul 07, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 3920

Re: Monthly Water Usage

Years ago when it was just me and the dog, my water/sewer bill was $30/month. Fast-forward (that's a reference to videotapes for you younger Bogleheads :happy ) 20 years and our water/sewer bill has risen to $65/month. Our usage shows 21,000 gallons for 3 months usage . We have two teens and use th...
by TheOscarGuy
Wed Jul 04, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1441

Re: iPhone: difference between icloud photo library and icloud backup

Thank you for this!!! I was having same problem after I upgraded my iPad and couldn’t figure out how to fix that....with the messaging going to both iPad and pho I'm very impressed with the Google AI. Finding pets was novel when it could find animals, but now it can even find your own pet! Can Appl...
by TheOscarGuy
Wed Jul 04, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1441

Re: iPhone: difference between icloud photo library and icloud backup

Just another way Apple has gotten too complex. It used to "just work" but not anymore. All my wife's contacts are now on my phone and my kids get my texts on their phones. My kids' friends try to facetime my kids and it calls my phone instead. Settings—>messages—>send&receive Select your phone numb...
by TheOscarGuy
Wed Jul 04, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1441

Re: iPhone: difference between icloud photo library and icloud backup

Just another way Apple has gotten too complex. It used to "just work" but not anymore. All my wife's contacts are now on my phone and my kids get my texts on their phones. My kids' friends try to facetime my kids and it calls my phone instead. Settings—>messages—>send&receive Select your phone numb...
by TheOscarGuy
Wed Jul 04, 2018 4:44 am
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 11979

Re: Expected returns for 80/20 stock bond for next 10 years.

masonstone wrote:
Mon Jul 02, 2018 7:24 pm
What’s a reasonable Expected returns for 80/20 stock bond vanguard admiral shares total market for both sides for next 10 years.
Whatever you do please trust the experts. They have never been wrong in the past.
by TheOscarGuy
Mon Jul 02, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12646

Re: What are your property taxes?

Unless it is a percentage how useful is this survey? $6500 on what? Maybe ask taxes per $1000 of RE property to make it comparable. I think rate per $1000 or per any dollar value is also not a good comparison. Homes cost much less in my part of Texas than they do in San Francisco and the SF Bay are...
by TheOscarGuy
Sun Jul 01, 2018 6:07 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12646

Re: What are your property taxes?

In this thread on tax unfriendly states, https://www.bogleheads.org/forum/viewtopic.php?f=10&t=252761, there is lots of talk of high property taxes in California. In California, the property tax is limited to 1% of the purchase price of the home, with a 2% escalation each year. In other states, the...
by TheOscarGuy
Thu Jun 14, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5329

Re: Rowing machine motivation

So I bought a concept 2 rowing machine. It’s awesome. But I can’t seem to last longer than 5 minutes on it. I have to struggle to get to a 1000 meters in 5 minutes... Anybody have some tips? Pretty sure my technique is decent. Watched a bunch of YouTube vids. Or maybe it’s my conditioning. I have e...
by TheOscarGuy
Wed Jun 13, 2018 6:00 am
Forum: Investing - Theory, News & General
Topic: Schwab's market predictions next 10 years
Replies: 20
Views: 2774

Re: Schwab's market predictions next 10 years

Schwab's market forecast - https://www.schwab.com/resource-center/insights/content/why-market-returns-may-be-lower-in-the-future What do you think about this Schwab article ? Typically companies like Vanguard, Schwab, Fidelity are not right on market commentary, outlook. Vanguard on 2017 outlook as...
by TheOscarGuy
Mon Jun 11, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Personal Advice for Retirement by 35?
Replies: 11
Views: 1652

Re: Personal Advice for Retirement by 35?

How much do you spend each year? I live pretty frugally. For personal things and housing (portion not paid by tenants) I spend about $20k per year . Property repairs average about 2k-3k per year. I exclude all the cost of property improvements that I've spent since starting in real estate 4 years a...
by TheOscarGuy
Mon Jun 04, 2018 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Getting started with Non-retirement account
Replies: 15
Views: 1114

Re: Getting started with Non-retirement account

Question for opening non-retirement accounts for my wife and myself (Ages: 39/38): Wife and I are maxing our Roth IRA, and her 401K up to the company match (I don’t have 401k). On the Roth IRA we are each doing 75% stocks, 25% Bonds. (Vanguard Total Stock Market Admiral Shares and Vanguard Total Bo...
by TheOscarGuy
Mon Jun 04, 2018 4:20 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7582

Re: Is our monthly Personal money out of line?

Fellow BH's: I'm curious what people allocate in their monthly budget for personal money. My wife and I take home about $13,500 a month on average (not including a yearly bonus in March). I set aside $500 in our budget spreadsheet for me (this also covers misc trips to Home Depot and the like). I h...
by TheOscarGuy
Thu May 31, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2362

Re: Vehicle Advice for new Boglehead (4Runner)

Hello all, I am a newly registered Boglehead and wanted to seek advice from whomever would be willing to reply. I have read several posts on this site about "new vs used" vehicles but wanted to ask for myself based on where I am at this point in my life. I'm 30 years old, make about $40K/year and h...
by TheOscarGuy
Mon May 28, 2018 4:16 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra cash?
Replies: 13
Views: 1790

Re: What to do with extra cash?

Hi everyone, It's been a while since I have last posted here, and I figured I might ask fellow members for advice. Since last year I have been receiving an annual bonus in form of company RSUs on a 3-year vesting schedule, and it looks like I will continue receiving such bonus each year going forwa...
by TheOscarGuy
Fri May 25, 2018 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Mega backdoor Roth to Roth 401k or Roth IRA
Replies: 9
Views: 867

Re: Mega backdoor Roth to Roth 401k or Roth IRA

You can also do a completely tax-free split roller of the after-tax contributions to a Roth IRA and the pre-tax earnings to a traditional IRA. If your plan accepts rollovers, you can then roll the pre-tax traditional IRA back into the 401k by 12/31 to preserve the Backdoor Roth with little to no ta...
by TheOscarGuy
Thu May 24, 2018 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Mega backdoor Roth to Roth 401k or Roth IRA
Replies: 9
Views: 867

Re: Mega backdoor Roth to Roth 401k or Roth IRA

My wife’s 401k plan allows her to make unmatched after-tax contributions in addition to the matched pre-tax contributions that are limited to $18,500. These after-tax contributions can then be converted either to a Roth 401k within the same plan, or to external Roth and Traditional IRAs for contrib...
by TheOscarGuy
Mon May 21, 2018 6:02 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12369

Re: done with Gmail

fastmail is what I have used for several years now. It is flawless, I miss some of the more advanced search options I had in gmail. But otherwise, its pretty good.
by TheOscarGuy
Sat May 19, 2018 5:24 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6296

Re: What’s your phone/internet bill?

I am paying $29 for internet.
I am too afraid to say how much I am paying for cellphone plan as I am on one of the larger cellular networks ($$). I am hoping I will pick some suggestions in this thread to switch :D
by TheOscarGuy
Mon Apr 23, 2018 4:04 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 30482

Re: How old are you and how much do you save for retirement a year

Cycle wrote:
Thu Apr 19, 2018 8:53 pm
34, spouse and I save $160-175k usd per year for retirement/misc savings on ~290k income from two full time jobs and rental income from one unit in a duplex we owner occupy. no debt. $1.2m net worth.
That is an awesome savings rate considering you have to pay taxes on the 290k income. Impressive!
by TheOscarGuy
Wed Apr 04, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 11298

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

Sounds like they should start a business promoting a frugal lifestyle and then make a lot of money off it while claiming to not be working. :D I see what you did there. I think it is hard from outside to judge whether this is really a lifestyle change forever, or they are really sprinting to retire...
by TheOscarGuy
Wed Apr 04, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 6148

Re: 2018 Camry. What's wrong with me?

Last weekend I test drove a 2018 Camry. After the drive I walked away feeling numbed. It seemed the new Camry didn't instill any sense of emotions into me. No wows. No oohs. Nothing. It was a nice compliant drive but lacking any connections and excitement. Could it be that I already set up myself f...
by TheOscarGuy
Wed Apr 04, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Has anyone changed their AA/IPS/investing strategy recently?
Replies: 25
Views: 2196

Re: Has anyone changed their AA/IPS/investing strategy recently?

With the "2nd longest and 2nd largest" bull market ever, and some indicators pointing toward an overvalued market, and some pundits predicting doom and gloom.. I would be highly surprised if we don't see a bear market or crash this year or by 2019 at the latest. Is there any value in buying more bo...
by TheOscarGuy
Fri Mar 30, 2018 5:23 am
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 3141

Re: New laptop purchase decision

Hello Bogleheads, I'm in the market for a new laptop. I've never bought a computer before since my job supplied me with a nice MacBook Air but I'm leaving after 17 years soon so I'm shopping around. I'm a basic user I would use it for typing papers, working on the resume, surfing the web, and email...
by TheOscarGuy
Thu Mar 29, 2018 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 14304

Re: Healthy eaters -- is this grocery budget normal to you?

Hi, My wife and I spend ~$1,200 or so each month for groceries, and there's only two of us. It's the only large item on our budget except for rent. Our predicament is we desire to eat extremely healthy (organic, non-GMO, top of the line sourced food) but see nowhere to cut our bill. We shop exclusi...
by TheOscarGuy
Thu Mar 22, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 8069

Re: What Budget? Do you keep one?

So the question is: how much does your budget/spending vary? Do you really know why and can account for the variations? Please tell me there are other people out there whose spending fluctuate greatly because that's just life. Things change, habits change. I guess the other question is, did your sp...
by TheOscarGuy
Wed Mar 21, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 4026

Re: Home equity as part of retirement plan

We talk a lot about investing on the way to retirement here for good reason, but to many, their house is a significant chunk (most?) of their net worth as they approach retirement. I suspect most here are conservative enough to not leverage their home equity to invest in the market and/or tend not ...
by TheOscarGuy
Wed Mar 21, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2609

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

Deciding between these 3 payment options to buy new car: 1) Pay full amount - get $750 discount 2) 0% 36 months - no discount 3) 0.9% 60 months - no discount Assuming I can afford either option, which do you think is best? I believe the answer lies in what interest rate I can get for the money I am...
by TheOscarGuy
Fri Mar 16, 2018 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 32339

Re: Those with high savings rate: why?

Is it because you want to retire early, or You are not sure what the future holds, e.g. low job security, or You want to leave money to others, e.g. kids, grand kids, charity, or You have no interest in increasing your consumption now, including giving more money to charity etc. Any insights? Finan...
by TheOscarGuy
Fri Mar 02, 2018 5:18 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 77
Views: 7798

Re: AAPL, AMZN, or GOOG?

Flobes wrote:
Tue Feb 27, 2018 9:47 pm
I'm sticking with Enron, undeniably the industry leader with the greatest management!
:D
by TheOscarGuy
Wed Feb 21, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 2892

Re: Trade my BMW?

I currently own a 2013 X3 with 50k miles. One year of the CPO warranty left. No loan...I purchased the vehicle used with cash two years ago for a bit under $30k. KBB currently puts the value just north of $15k. I really like the car, but am unable to do much of the maintenance myself like I would o...
by TheOscarGuy
Thu Feb 08, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Books and other resources about retiring abroad?
Replies: 14
Views: 1017

Re: Books and other resources about retiring abroad?

Hello Bogleheads, First time poster, long time lurker. Great to finally be a part of the community! My partner and I are planning to move abroad in ~15 years so that we can retire early. There are so many great resources to help with retiring within the US, but I've found that the field of informat...
by TheOscarGuy
Thu Feb 08, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Finances Needed !!
Replies: 5
Views: 877

Re: Finances Needed !!

Hi - I am a 45 year old father of 2 kids just entering the middle school. I and my wife both work and have saved as much as we could afford to do. I am curious about the future needs of our family in terms of 1) How much I would need for the kids education (may be public university, under graduate)...
by TheOscarGuy
Wed Feb 07, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: House renovation financing
Replies: 17
Views: 1416

Re: House renovation financing

bloom2708 wrote:
Tue Feb 06, 2018 9:27 pm

This video is helpful.

https://vimeo.com/41152287
:sharebeer
by TheOscarGuy
Wed Feb 07, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 13808

Re: Am I saving too much for retirment?

Hi all, l'm 28 and trying to balance saving for retirement and keeping enough to enjoy myself now. I realize that in order to know how much you should save, you need to know how much you will need in retirement. However, at my age I find it difficult to have any realistic idea of my spending in 30+...
by TheOscarGuy
Fri Jan 26, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 4243

Re: Strategies to combat the urge to spend?

Great thread! I loved reading almost all responses, keeping this bookmarked for regular reading every few months ;-)
by TheOscarGuy
Wed Jan 24, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: fidelity visa- is opening bonus worth it over Citi?
Replies: 35
Views: 2200

Re: fidelity visa- is opening bonus worth it over Citi?

There is an older thread where folks were getting their fidelity card hacked. It happened more than once for someone. Additionally at the time I remember hold times were rather large for anytime you had to call them in for CS. Due to those two reasons I cancelled that card. If you care that much abo...
by TheOscarGuy
Sat Jan 20, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8481

Re: Capital one 360 money market New $500 bonus

Hi..I just received a letter offering 1.3% interest if I open a new capital one 360 money market account and an additional $500 if deposit amount is $50 k or more. The interest is over 10x what my bank currently pays. It does not offer a debit card or checking and transfers to my checking account a...
by TheOscarGuy
Sat Jan 20, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 2945

Re: Can You Say...Auto Insurance

I have pretty good coverages 100/300/50 to protect myself & my assets in case of a accident. I' am even thinking of a umbrella policy. The problem is my premiums keep going up with my big national company. I just received in the mail yesterday my renewal notice. From what I can tell the premium is ...
by TheOscarGuy
Sat Jan 20, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8481

Re: Capital one 360 money market New $500 bonus

Hi..I just received a letter offering 1.3% interest if I open a new capital one 360 money market account and an additional $500 if deposit amount is $50 k or more. The interest is over 10x what my bank currently pays. It does not offer a debit card or checking and transfers to my checking account a...
by TheOscarGuy
Sat Jan 20, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I stop 529 Contributions
Replies: 14
Views: 1895

Re: Should I stop 529 Contributions

We are maxing our tax advantage accounts all of them. Our 529 stands at $62k Age of the kid is 5 years. We contribute $510 each month earlier we used to do 1000 a month. I am trying to avoid over funding. I was of the opinion I would rather contribute sooner and let compounding take charge of growt...
by TheOscarGuy
Sat Jan 20, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 8481

Re: Capital one 360 money market New $500 bonus

Hi..I just received a letter offering 1.3% interest if I open a new capital one 360 money market account and an additional $500 if deposit amount is $50 k or more. The interest is over 10x what my bank currently pays. It does not offer a debit card or checking and transfers to my checking account a...
by TheOscarGuy
Mon Jan 15, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Questions about salary expectations/negotations
Replies: 13
Views: 1648

Re: Questions about salary expectations/negotations

If recruiter called to ensure salary was in line with budget I would just tell them the expectation. There is a limit up to which I would keep my expectation from potential companies, but if they are insistent I tell them what is the expectation. More often than not such companies are operating on a...