Search found 508 matches

by TheOscarGuy
Fri Sep 21, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2235

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

I was preparing a list of items to purchase for this blackfriday and wanted to see what others are planning to. What do you usually find cheaper and buy during this time? I heard people plan buying things that they need for the next whole year. Here is my list so far - - QLED/OLED TV - MacBook lapt...
by TheOscarGuy
Thu Sep 20, 2018 5:53 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 142
Views: 10133

Re: Age in Bonds - Still Recommended?

I started reading Bogleheads in 2007 and have been following on and off since. Early in that process I decided on my Asset Allocation, which includes the decision to implement the “your age in bonds” rule. I have been dutifully increasing my target bond allocation by 1% for the last decade (I’m now...
by TheOscarGuy
Wed Sep 19, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Other investment opportunities besides the stock market
Replies: 25
Views: 1864

Re: Other investment opportunities besides the stock market

HEDGEFUNDIE wrote:
Tue Sep 18, 2018 2:45 pm
Well, if you have ever watched Breaking Bad, car washes can be very lucrative 😉
I think it will reduce your life expectancy though :D
by TheOscarGuy
Wed Sep 19, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1219

Re: Attic Insulation Removal/Replacement Costs

We are looking at having our attic insulation removed and replaced. I believe it is original to the house, approx 35. years old blown fiberglass. It is quite dusty/musty (can smell it in the main floor of the house at times, especially if the attic fan is on) and was not installed properly (no soff...
by TheOscarGuy
Tue Sep 18, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 5766

Re: Chase Bank is the Devil

We own a small business and have the Chase Ink Business Preferred Visa card. We import our CC transactions into QuickBooks twice a week with the QB Direct Connect feature. Early last week, the import transactions feature stopped working. We called Chase today (a week later) and expressed our concer...
by TheOscarGuy
Sat Sep 15, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: setup 529 with doubts
Replies: 12
Views: 844

Re: setup 529 with doubts

I'm 33 and I've just made last payment on $77,000 of my college school loan debt (who hoo!) and now I'm starting saving for my 2 & 4 year old children. My question is, am I alone in feeling that the stability of college education for this generation is doubtful. If college education is the next bub...
by TheOscarGuy
Sat Sep 15, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Then and Now - Lucky Me, Lucky You?
Replies: 10
Views: 891

Re: Then and Now - Lucky Me, Lucky You?

Then: A college education was affordable, and you could graduate debt-free. Now: A college education is now unaffordable for many people, and student loans are the second largest category of household debt. Then: Good paying manufacturing jobs were plentiful and you had the opportunity to move up t...
by TheOscarGuy
Sat Sep 15, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 52
Views: 7301

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Does anyone use Personal Capital, Mint, Tiller, You Need a Budget, or another tool to budget/track expenses and investments? If so, which one and do you like it? It seems like the free portion of Personal Capital is pretty slick. I'm not sure what to think about giving a third party access to my ac...
by TheOscarGuy
Fri Sep 14, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Modify trust after buying additional term life?
Replies: 10
Views: 429

Re: Modify trust after buying additional term life?

I'm not a legal expert, but here's my understanding. Sometimes assets are put into a Revocable Trust and held their during your life. At death, the assets are then distributed per the terms of the trust. No probate is needed. Another option is to put the wording into a will that puts the assets int...
by TheOscarGuy
Fri Sep 14, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Modify trust after buying additional term life?
Replies: 10
Views: 429

Re: Modify trust after buying additional term life?

RickBoglehead wrote:
Fri Sep 14, 2018 5:55 am
Simply make the trust the beneficiary of the policy.
How does one do that? Is the trust called 'Trust of Mr. TheOscarGuy'? I re-read my will and it does not explicitly call out name of the trust, just that 'distribution of estate shall be held in a trust'.
by TheOscarGuy
Fri Sep 14, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Modify trust after buying additional term life?
Replies: 10
Views: 429

Re: Modify trust after buying additional term life?

Was the trust the primary beneficiary or a contingent beneficiary? There shouldn’t be any need to modify the trust, but be careful the beneficiary designation is consistent with your wishes. Gill Beneficiary for first or second policy was never changed. I checked and the old policy document still s...
by TheOscarGuy
Fri Sep 14, 2018 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Modify trust after buying additional term life?
Replies: 10
Views: 429

Modify trust after buying additional term life?

We have a will that stipulates that all proceeds in case of our death (me and my SO) will go to a trust (created in case of our death). We recently upped our term life policies and were wondering if either the new life insurance company or the lawyers need to be involved, to make sure proceeds from ...
by TheOscarGuy
Thu Sep 13, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 31
Views: 2736

Re: Pet insurance

Does anybody use canine insurance? Pros? Cons? Anyone have nationwide pet insurance? We have embrace insurance. Its covers all issues as our dog is young enough. Pros it gives us piece of mind. Too early to tell if we come out ahead or not as we got it a few months ago and haven't used it. Cons, it...
by TheOscarGuy
Wed Sep 12, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2835

Re: Do you use social media to enhance your travel experience?

My questions to other people who like to or plan to travel a lot: (1) How do you feel about your travel experience AFTER the travels? (2) Do you use social media, such as Facebook, Instagram, or writing blogs, to enhance (and share) your travel experience? (3) Do you think sharing your travel exper...
by TheOscarGuy
Tue Sep 11, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: First time Salary Negotiations
Replies: 21
Views: 1781

Re: First time Salary Negotiations

When negotiating salary, do you just flat out say the number you want or do you go in slightly higher allowing you some negotiation room? E.g. If I am happy with $200, go in at $210. What is the key communication when negotiating and how does it typically play out? How do you respectfully decline i...
by TheOscarGuy
Thu Sep 06, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5064

Re: $200 cash bonus offer from Citi

We have $10,000 sitting in an online savings account , earning 1.85%. This is our starter emergency fund. Citi has an offer where if you open a new checking account and keep $5000 of new money in for 60 days, they will give you $200. I was thinking of doing that for both my wife and I. That would g...
by TheOscarGuy
Thu Sep 06, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Buying Sushi Grade Fish
Replies: 15
Views: 1689

Re: Buying Sushi Grade Fish

I love sashimi but I'm tired of paying extra for it at the restaurant just for ginger, soy sauce, and wasabi on the side. The local Whole Foods has Yellowfin Tuna (6 oz.) for $15. They keep it in a deep freezer chest. I might try making some spicy poke with it. I called another higher end grocery s...
by TheOscarGuy
Tue Sep 04, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4608

Re: How much do you spend on kids extracurriculars?

TomatoTomahto wrote:
Mon Sep 03, 2018 12:47 pm
Just don’t let them become ice hockey goalies.
:D
I am actively trying to do that ATM.

We spend ~755 per month on extracurricular. This includes after school childcare. Now that I am thinking more about it, that is too much.
by TheOscarGuy
Tue Sep 04, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 192
Views: 34940

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

Bogleheads: Boglehead Jim Dahle has written a very helpful article for wealthy Bogleheads with extra cash who cannot decide whether to pay-off their mortgage or invest in stocks & bonds: 6 Reasons The Rich Should Pay-Off Their Mortgage Thank you, Jim Best wishes. Taylor I love WHI articles usually....
by TheOscarGuy
Mon Sep 03, 2018 5:17 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6729

Re: Walmart is not Amazon

So I have been following WMs attempts to take on Amazon. Seems like a good idea - online ordering with in store pickup or delivery. I decided to try it. Ordered a phone Mophie battery. Then things went south. Battery died after 40 days of use. No problem, I went to a WM near me for a refund. I prin...
by TheOscarGuy
Sat Aug 25, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21634

Re: Decent compensation to move to Bay Area CA?

I make well more than the average person ($500K plus), and live in one of the nicest towns in Silicon Valley, have a 20 minute commute to work, and my mortgage is < $4K a month. I've lived here for 20+ years, and after all that I can pretty much tell you that Silicon Valley is good for one thing on...
by TheOscarGuy
Fri Aug 24, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 16
Views: 1021

Re: Best way to get Skype or Facetime on a TV?

Wondering if any Bolgeheads have found a good solution for this. We have two young kids and two sets of out of town grandparents. We Facetime a fair amount with them, but (1) I'm getting tired of holding a tiny phone, (2) my kids always want to hold said phone, and (3) #2 leads to at best a dizzy g...
by TheOscarGuy
Thu Aug 02, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3743

Re: New job commute

Hello everyone, Thank you all in advance for listening and providing valuable advice, this forum has been great. I recently started a new job, receiving the highest pay I have gotten in my career thus far. The commute has been stressing me though, its 3hrs round trip (1.5 hr each way about 34 miles...
by TheOscarGuy
Mon Jul 30, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3258

Re: Best MacBook Value

The non-TB macbook pro WAS updated. The plain Macbook an Macbook air were not updated. If I were in the market now, I would buy the 2018 - 1299.00 Macbook pro . Great screen, better keyboard. I would also upgrade memory to 16 gb. HUH? https://www.apple.com/shop/buy-mac/macbook-pro Look for the word...
by TheOscarGuy
Mon Jul 30, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3258

Re: Best MacBook Value

It seems that there's an overwhelming number of permutations regarding specifications for a MacBook. I'm looking to replace a slow, overheating 2009 13" MacBook. What is the best value/bang for the buck for someone who does a very little photo editing with Adobe Photoshop and mainly for web browsin...
by TheOscarGuy
Fri Jul 27, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 1976

Re: Sub-500 laptop *brand* suggestions

I am looking for a sub-500 laptop with the minimum configuration of a 8th Generation Core-i5, 8 GB RAM, and 256 GB SSD. I prefer 13 or 14" laptops that are somewhat lighter in weight. I realize that the lightest series such as XPS are well above the price range, so I am fine settling for a *slightl...
by TheOscarGuy
Fri Jul 27, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Wheres a good store to buy Sports Coats?
Replies: 11
Views: 1000

Re: Wheres a good store to buy Sports Coats?

masonstone wrote:
Fri Jul 27, 2018 11:43 am
Wheres a good store to buy Sports Coats?
suitsupply. One can order several sizes to try and return ones that don't fit. When I used them ~4 years ago, customer service was top notch. And clothes were very nice fitting as well. I had bought a suit though, I see they have sports coats and jackets.
by TheOscarGuy
Sun Jul 22, 2018 4:29 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 11265

Re: I may have understood why it's so hard to save and invest

Hello everyone, I recently have the opportunity to save a 1-month equivalent paycheck (1500$) and invest it through my brokerage. However, although it cost me a "lot" of effort, my net worth of my portfolio only increase by 2% (portfolio of 75k$). I found it very discouraging actually because my ef...
by TheOscarGuy
Sat Jul 14, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14471

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: 145
Views: 14471

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: 6957

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: 3133

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: 3133

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: 3749

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: 5842

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: 1318

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: 4365

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: 1559

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: 1559

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: 1559

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: 13003

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: 13908

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: 13908

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: 5671

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: 2870

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: 1693

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: 1168

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: 7977

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: 2544

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: 1869

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...