Search found 1523 matches

by surfstar
Thu Apr 18, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5168

Re: Bogleheads privacy warning

This is why people shouldn't use their real name as their handle. Or a username / handle that they use on another forum or elsewhere on the net. Unless they're a public figure whose financial information is already out there. So what about "our" public figures, like Taylor, Mel, Rick, Larry, Bill, ...
by surfstar
Tue Apr 16, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9621

Re: seriously thinking about leaving S. CA but where to?

Funny enough, its almost like there's a reason that it costs so much to live in CA :oops:
by surfstar
Tue Apr 16, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Migrating to better weather in retirement -- rent a timeshare or buy a vacation home?
Replies: 21
Views: 1908

Re: Migrating to better weather in retirement -- rent a timeshare or buy a vacation home?

In 15-20 years we'll just put on our VR headset and change the climate to mimic whatever place we want to be in. That's so far off, it is quite hard to predict the best approach. AirBnB/VRBO is currently a good option for wanting a "home" when on extended vacations. I'd rather not own a vacation hom...
by surfstar
Tue Apr 16, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5336

Re: What Are Your Simple Pleasures?

Backpacking

Realizing that everything you truly "need", can fit on your back and be carried with you.
by surfstar
Tue Apr 09, 2019 12:26 pm
Forum: Personal Investments
Topic: Anyone invest in tickets
Replies: 9
Views: 940

Re: Anyone invest in tickets

Yes. Years ago. It still took a bit of time/commitment knowing who to buy and when. It was mostly for local shows, as I knew the venue / demand. Sometimes I had to "scalp" out front to get rid of them at face/discount to not get stuck sitting on some. Now-a-days - no thanks. Too many bot-controlled ...
by surfstar
Tue Apr 09, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?
Replies: 21
Views: 1350

Re: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?

Its a fine strategy for someone who likes to try out a bunch of different cars. Basically a used car one-year "lease", where the costs are taxes, etc instead of lease payments. The hassle of buying and selling that many times? No thanks. That takes a lot of time, effort and unknowns (I've had fine C...
by surfstar
Mon Apr 08, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 5152

Re: $20k day care...how is it taxed?

Hi, We have our first little one on the way. I live in a HCOL area and it seems like day care is going to be around $20-24k a year. My company offers FSA account for childcare with a maximum contribution of $5k per year. I’m assuming that is the irs maximum allowed. Can I deduct the other $15k on m...
by surfstar
Thu Apr 04, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: Anyone projecting a REALLY low SWR?
Replies: 24
Views: 1521

Re: Anyone projecting a REALLY low SWR?

Retire sooner?

Why spend more for no reason? Use that "spending" to "buy free time".
by surfstar
Thu Apr 04, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 6854

Re: What? No Income?

OP, you can't buy back time no matter how much money you have.

Enough is enough. Go for it!
by surfstar
Wed Apr 03, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Am I being silly (too cheap) to not buy a new minivan?
Replies: 23
Views: 1522

Re: Am I being silly (too cheap) to not buy a new minivan?

This locked thread with 171 posts from a few weeks ago should help you: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=275959 I want to buy that other poster's 2009 CRV with 79k miles for $7k (they assumed $5k trade in value). My dad would get some great value out of that! Oh, yes - OP... bu...
by surfstar
Sun Mar 31, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Max % of gross pay on a car?
Replies: 22
Views: 1542

Re: Max % of gross pay on a car?

GTI or even a base Golf will be way more fun to drive than an old Rav4 and they offer a solid value. Review the prices of what people have paid lately at VWvortex - I know for the wagons you can score deals of up to 20% off MSRP. That keeps it boglehead-ish :sharebeer (my Golf Sportwagen was my firs...
by surfstar
Fri Mar 29, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Shut off water before a vacation
Replies: 78
Views: 5696

Re: Shut off water before a vacation

pshonore wrote:
Fri Mar 29, 2019 9:27 am
How many people flip the shut off valve on washing machines between use? Todays braided hoses are better than the old rubber ones but they still can break and flood the area.
:thumbsup
Every time.
by surfstar
Fri Mar 29, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: What expenses did you reduce?
Replies: 63
Views: 4139

Re: Retirement: What expenses did you reduce?

Weird - I wouldn't consider SS, FICA, etc taxes and 457/401k deductions as "savings". For retirement we are planning based on what we spend money on, with our take home pay - the above items never hit our bank account and aren't counted as "earnings" that need replacement. We aren't planning based o...
by surfstar
Fri Mar 29, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: To Escrow, or to NOT Escrow
Replies: 24
Views: 903

Re: To Escrow, or to NOT Escrow

For us, it would be a couple of dollars a month interest if we DIY'd property tax payments. Since it came setup on our mortgage we left the escrow account alone. We pay our own homeowners directly - did that right at the beginning so we could shop around for a better price than what they would have ...
by surfstar
Fri Mar 29, 2019 10:05 am
Forum: Personal Investments
Topic: Today I turned 30, and I woke up wanting to better my financial future!
Replies: 46
Views: 4321

Re: Today I turned 30, and I woke up wanting to better my financial future!

another thing: look into term life insurance for each of you. Don't get such a big policy that the spouse won't miss the other one, though ;) just enough to ensure they can handle large items - like mortgage, etc, with only a single source of income possibly. Higher amount if/when kids are present t...
by surfstar
Thu Mar 28, 2019 11:28 am
Forum: Personal Investments
Topic: Today I turned 30, and I woke up wanting to better my financial future!
Replies: 46
Views: 4321

Re: Today I turned 30, and I woke up wanting to better my financial future!

What does your local bank pay on the savings?
I'd move that + the Ally to All America online bank - 2.50%, up to $50k, for their Mega Money Market account. I don't see a need to have local cash for emergencies, though; others may see differently.

Definitely max 2018 and 2019 Roths!
by surfstar
Thu Mar 28, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: My wife's 2016 Mazda CX-5 lease is up. Now what?
Replies: 37
Views: 2643

Re: My wife's 2016 Mazda CX-5 lease is up. Now what?

phil64 wrote:
Thu Mar 28, 2019 9:15 am
At least check out the Subaru Outback, all wheel drive standard very comparable to the CX5
Perhaps wait for the new 2020 Outback, though...
by surfstar
Wed Mar 27, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 9
Views: 829

Re: Cox Retention Department

Supposedly you need to set up a disconnection of service date - do so towards the end of your billing cycle. Then you will get an email offering you to stay for a 40% discount. At least this is what Slickdeals forum says. Haven't tried it yet as we upped our service for a discount, but may try the a...
by surfstar
Tue Mar 26, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8433

Re: Tattoos and Bogleheads

Should have required age of the poster for replies, although I think it is easy to tell.

Classless is a fun comment. As I stated earlier, I have none. Although I would think less of someone wearing a $5k watch than a $5k tatoo.
by surfstar
Tue Mar 26, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: My wife's 2016 Mazda CX-5 lease is up. Now what?
Replies: 37
Views: 2643

Re: My wife's 2016 Mazda CX-5 lease is up. Now what?

bumping for more advice. we drove the 2019 CX-5 this weekend and really liked it. awaiting the release of the Toyota RAV4 Hybrid to compare. Why hybrid? Does she drive lots of miles and care about MPG? That would imply economics come into play, but a lease would say otherwise. Test drive a few and ...
by surfstar
Tue Mar 26, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8433

Re: Tattoos and Bogleheads

I was never cool enough to get a tatoo.
Now everyone has them and its more anti-mainstream to not have one - LOL
by surfstar
Mon Mar 25, 2019 5:39 pm
Forum: Personal Investments
Topic: How do you rebalance across Roth and Traditional Acounts?
Replies: 29
Views: 1858

Re: How do you rebalance across Roth and Traditional Acounts?

We don't.
Retirement assets in Roth, 457/TSP, HSA, pensions - trying to micro-adjust our AA by accounting for an unknown future tax rate - that would be hard to do and provide no true benefit, IMO.
by surfstar
Thu Mar 21, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 4994

Re: Do you still wear a necktie to work?

Only when I'm looking for new work.
by surfstar
Wed Mar 20, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: retirement / taxable accounts as two separate buckets
Replies: 17
Views: 1451

Re: retirement / taxable accounts as two separate buckets

How many multiples of annual spending do you think would be enough? 30x Combined with flexibility in withdrawals, 30x is enough. You have 40-45x planned. You have enough. :sharebeer I disagree since some of it will need to be used for living expenses until "normal" retirement age is attained, let's...
by surfstar
Wed Mar 20, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: retirement / taxable accounts as two separate buckets
Replies: 17
Views: 1451

Re: retirement / taxable accounts as two separate buckets

6teen wrote:
Wed Mar 20, 2019 11:47 am
How many multiples of annual spending do you think would be enough?
30x

Combined with flexibility in withdrawals, 30x is enough.

You have 40-45x planned. You have enough. :sharebeer
by surfstar
Tue Mar 19, 2019 11:00 pm
Forum: Personal Investments
Topic: How to realistically FIRE?
Replies: 310
Views: 21499

Re: How to realistically FIRE?

Well, after reading this thread it appears that some bogleheads are struggling with two definitions:

FIRE
Middle Class

:oops:
by surfstar
Sun Mar 17, 2019 10:00 pm
Forum: Personal Investments
Topic: Can't see retiring without 15x-30x fixed income
Replies: 217
Views: 15283

Re: Can't see retiring without 15x-30x fixed income

Can't buy back your time, so we will never know what a 50x splurge would be (unless you count pulling the cord at "enough" and having years more of free time at your youngest possible retirement age. Yes, that will be our splurge)
by surfstar
Wed Mar 13, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: decreasing personal tax burden, legal tax havens, and/or ideas for creating passive income
Replies: 17
Views: 1814

Re: decreasing personal tax burden, legal tax havens, and/or ideas for creating passive income

This expense is budgeted however I just read Rich Dad/Poor Dad where he explains we're basically working several months at the beginning of every year to simply pay taxes! Mind Blown! Unacceptable! I am also curious if another idea presented in Rich Dad/Poor Dad that I could create a corporation to...
by surfstar
Wed Mar 13, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: Step by step guide to life
Replies: 5
Views: 1240

Re: Step by step guide to life

Pretty sad.

75% of your guide is focused on money.
by surfstar
Wed Mar 13, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 7758

Re: Bright daughter wants to work for nonprofit

Despite what the majority of this board is related to, life is not just about money. The disappointment in your post is telling. It comes across as she is wasting her talent by taking a lower paying job. That somehow since she is "bright" that she is not successful unless her bank account accumulate...
by surfstar
Mon Mar 11, 2019 3:47 pm
Forum: Personal Investments
Topic: Can't see retiring without 15x-30x fixed income
Replies: 217
Views: 15283

Re: Can't see retiring without 15x-30x fixed income

livesoft wrote:
Mon Mar 11, 2019 3:12 pm
The OP needs to keep working ...

... forever.
I'll start the chant:

One More Year

One More Year

One More Year!!!

Change title to "Can't see retiring" and it fits just fine.
by surfstar
Tue Feb 12, 2019 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 32810

Re: Early retirees, how much did you leave on the table?

For those of you who retired before 60 y.o. how much do you think you left on the table? In percentage terms (or dollars if your prefer) how much larger would you portfolio have been if you postponed retirement to a standard age such as 62 y.o.? Seeing this thread pop up again after almost 3 years ...
by surfstar
Sat Feb 09, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Wasting Electricity for Fun and Profit
Replies: 58
Views: 5431

Re: Consuming Electricity for Fun and Profit

I agree that the electric heater is the best way to "burn" electricity for this goal in your winter time. Just looked at our stats - range of 180 to 228 kWh per month over the last year (gas heat, gas cooktop, electric oven, no A/C). Coastal CA, household of 3 adults, one teenager. Our water consump...
by surfstar
Tue Jan 15, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4076

Re: Brake fluid replacement?

It should be replaced on age, not mileage. OP, I'd say you're better off every 2-3 years and not 30k miles, if you drive so many highway miles.

My VW says 3 years, then every 2 years.
I'm coming up on year 3 of ownership and 46k miles - haven't touched the brake fluid yet.
by surfstar
Sat Jan 12, 2019 10:43 pm
Forum: Personal Investments
Topic: CD at 2.70 APR - 1, 2 or 3 years?
Replies: 21
Views: 2710

Re: CD at 2.70 APR - 1, 2 or 3 years?

All America Bank
Mega Money Market account
2.25% up to $50k

no catches

https://allamerica.bank/personal/bankin ... t-checking
by surfstar
Fri Jan 11, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 22029

Re: Millionaire by 40 and How you Did it?

I started out with a "small" loan from my father...
by surfstar
Fri Jan 11, 2019 12:17 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7582

Re: Engagement Ring (Affordable)

Telling people how to spend their hard-earned money. Seriously out of touch. Poor diamond miners have to feed their families too. Helping people see through decades of advertising that has been very effective at almost brainwashing a population = priceless. They only want to spend their hard-earned...
by surfstar
Wed Jan 09, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7582

Re: Engagement Ring (Affordable)

Telling people how to spend their hard-earned money. Seriously out of touch. Poor diamond miners have to feed their families too. Helping people see through decades of advertising that has been very effective at almost brainwashing a population = priceless. They only want to spend their hard-earned...
by surfstar
Wed Jan 09, 2019 12:30 am
Forum: Personal Finance (Not Investing)
Topic: What are my options with the current mortgage?
Replies: 35
Views: 2072

Re: What are my options with the current mortgage?

worthit wrote:
Tue Jan 08, 2019 11:44 pm
The conflict is that I am taking the interest deductions annually,
Have you run your 2018 taxes yet?
The tax "cut" meant a whole lot of SALT deductions got swept off the table for many filers.
by surfstar
Sun Jan 06, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7582

Re: Engagement Ring (Affordable)

I'm the opposite in this case. I think it's cooler that something came from the ground than manufactured in the lab. It is interesting to see the kind of debate the engagement ring topic creates vs any other luxury good or service posted about on Bogleheads. Diamond engagement rings and white weddi...
by surfstar
Sat Jan 05, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7582

Re: Engagement Ring (Affordable)

The money spent on these pieces of carbon are pointless and a financial waste. You can now get man made synthetic diamonds that are so close to the same quality as regular diamonds, jewelers cannot tell the difference. Take the rest and save for your kids child education or emergency savings. THIS ...
by surfstar
Fri Jan 04, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7582

Re: Engagement Ring (Affordable)

The money spent on these pieces of carbon are pointless and a financial waste. You can now get man made synthetic diamonds that are so close to the same quality as regular diamonds, jewelers cannot tell the difference. Take the rest and save for your kids child education or emergency savings. THIS
by surfstar
Thu Jan 03, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 211
Views: 13270

Re: Which Compact SUV Should I Buy?

Hyundai Kona EV
not out yet

but with your crazy low miles / short commute, any EV would make a lot of sense
Rent a car if needed for your rare long trip, or fly.
by surfstar
Thu Jan 03, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7582

Re: Engagement Ring (Affordable)

My wife somehow has gotten more compliments on the <20$ fake ring we got one day at kohls that she wears anytime there is more of a risk of damage or her losing her nice ring such as in the water or at the gym etc. Its really quite entertaining! Exactly why I refuse to spend a ton of money on this ...
by surfstar
Thu Jan 03, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7582

Re: Engagement Ring (Affordable)

gemvara.com- let me/us get the specific green (peridot) stone she wanted. In a "wave/ocean" type ring. White gold, with wedding band, less than $900. Used $50 coupons for new customers at the time :) My ring was $45 from Overstock.com (cobalt chrome, matches white gold very well) - the most expensiv...
by surfstar
Mon Dec 24, 2018 6:04 pm
Forum: Personal Investments
Topic: Massive losses; what if I die [before offsetting the losses]?
Replies: 55
Views: 7070

Re: Massive losses; what if I die?

Nice problem to have.
My dad is needing an HECM (reverse mortgage) to pay the bills.

Remember, you can't take it with you.
by surfstar
Tue Dec 18, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do once you hit your target number?
Replies: 49
Views: 5525

Re: What did you do once you hit your target number?

Hit your target, donate towards mine? :D
by surfstar
Thu Nov 15, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6957

Re: Wait, do I need a prenup?

Donate all of your assets to charity, then get married. Problem solved and you help out some people who have no conception of what a prenup is.