Search found 1402 matches

by surfstar
Thu Dec 07, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2154

Re: Analyzing Expense Ratios

I can not identify any of your Scenarios where you would not be best served by first investing up to the company match. This is my 3rd post attempting to provide value to this conversation and would appreciate your feedback. You have provided the data to end this thread. There is no longer a questi...
by surfstar
Wed Dec 06, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2154

Re: Analyzing Expense Ratios

Employer match is "free" money. 100% return. To skip out on that to save on ER doesn't make financial/mathematical sense.
by surfstar
Wed Dec 06, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 34
Views: 3560

Re: should I use vanguard's 2 step verification sign in

If you're using 2FA, make sure its done in a more secure way...

Why to use Google Authenticator over SMS/Text codes:

https://www.wired.com/2016/06/hey-stop- ... ntication/
by surfstar
Tue Dec 05, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 66
Views: 5824

Re: Dad Needs Help Buying Wedding Liquor

KIRKLAND

Take money saved and give to the happy couple.

Seriously.

Costco's Kirkland brand liquor is as good as anyone needs, especially when consumed in large amounts at a wedding.
by surfstar
Tue Dec 05, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Lowering real estate agent costs when selling?
Replies: 34
Views: 2586

Re: Lowering real estate agent costs when selling?

Redfin

They're trying to break into reducing fees...
by surfstar
Tue Dec 05, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3927

Re: Moto G5 Plus: Software updates?

Offline GPS tip: Before a trip to Curacao, I downloaded an app called Magic Earth - for offline GPS use. I took the time to input dive sites / beaches as favorites, then we could easily navigate to them once we arrived, with no cell phone / data use. Worked great - it lets you select areas to downlo...
by surfstar
Mon Dec 04, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3927

Re: Moto G5 Plus: Software updates?

I'm not willing to drop $700 on a Pixel just to get the fastest updates. I find all phones have deals eventually. On Cyber Monday, Bestbuy had the Pixel XL for $5/month on contract for 2 years ($120 total). So... not $5 or $120, then (the word CONTRACT kills any "deal") I have a G5 Plus 64gb coming...
by surfstar
Fri Dec 01, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10709

Re: Didn't buy Bitcoin at $4600

So how do we short it?
by surfstar
Fri Dec 01, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Water filtration system - worth it?
Replies: 17
Views: 1086

Re: Water filtration system - worth it?

Our home came with an undersink 5 stage RO system. I've replaced the filters once and added a permeate pump. I highly recommend that anyone with a compatible RO system add the permeate pump. References: https://www.freshwatersystems.com/t-reverseosmosispermeatepump.aspx https://www.uswatersystems.co...
by surfstar
Thu Nov 30, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11149

Re: After financial independence, do you lose motivation for work?

People who have a good work ethic before FI continue to have a good work ethic after. Those who slacked before will lose what little motivation they had. What's a "good work ethic"? Wasting what precious time we have to live our lives by going to a job everyday? 24 hours in a day - 8 sleeping. 9 wo...
by surfstar
Thu Nov 30, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: iPhone Total Mobile Protection on Verizon
Replies: 7
Views: 444

Re: iPhone Total Mobile Protection on Verizon

I signed up for a specific US bank VISA card that offers cell phone protection/insurance, if your bill is paid with it. (similar to Chase benefit mentioned above) No brainer. Only charge I put on that card, and it covers up to 5 4 lines/phones, I believe. Who is eligible: U.S. Bank customers who hav...
by surfstar
Tue Nov 28, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: In market for cheap dishwasher. Alternatives to Sears?
Replies: 7
Views: 585

Re: In market for cheap dishwasher. Alternatives to Sears?

bestbuy Grabbed a deal last holiday season for my mom. $300 or less (can't recall) for a nice, quiet unit. Was on sale from $500+, I believe. Possible $25 visa check out discount right now too... ;) home depot, lowes, etc all work too. We just happened to get the best deal (same unit) at best buy la...
by surfstar
Tue Nov 28, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 213
Views: 16245

Re: Anyone tired of the stock market going up?

Anyone tired of the stock market going up? Nope. Rebalance. Problem solved. I agree that is the case for people below or close to their number. I think once people start to get meaningfully above their number they start to be presented with new possibilities which can cause the need for re-evaluati...
by surfstar
Tue Nov 28, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11149

Re: After financial independence, do you lose motivation for work?

I've never been motivated to work, which is why I'm going for FI :oops:
by surfstar
Thu Nov 23, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 143
Views: 15274

Re: Chromebooks- What is the lure?

I grabbed a refurb Acer 15.6" Chromebook for $99 off eBay last year. Been working great. So fast to "boot" up! We did recently buy a $160 refurb desktop, mainly for photos processing. That was the main limitation I found with my Chromebook. We already had a dual monitor setup for DWs work system (re...
by surfstar
Wed Nov 22, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Playing the Car Insurance Deductible Game
Replies: 20
Views: 1611

Re: Playing the Car Insurance Deductible Game

I hear you on the extended warranties - especially if you buy them from the dealer. But I feel like Geico's mechanical breakdown deal is pretty phenomenal (as far as insurance goes). About $150/year to cover all major systems on your (new) car.... I also carry the MBI (mech. breakdown ins.) on a 20...
by surfstar
Mon Aug 28, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: 2nd row buckets seats for 7 year old (vehicle)?
Replies: 8
Views: 760

Re: 2nd row buckets seats for 7 year old (vehicle)?

CPO for half price!

$80k for a Ford SUV? Ugh. Imagine the depreciation curve on that thing. (which is why you should buy used)
by surfstar
Mon Aug 28, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 4687

Re: Is Geico a bait and switcher?

Geico has been the lowest cost auto and now supplemental condo insurance, we've ever had.
I've been with them for nearly 20 years, I think. Every now and then I'd compare prices - no one came close.

Only "claims" I've had, though, are for windshield chip repair.
by surfstar
Fri Aug 25, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: 2nd row buckets seats for 7 year old (vehicle)?
Replies: 8
Views: 760

Re: 2nd row buckets seats for 7 year old (vehicle)?

Anything is possible. Now whether its worth the time/money/effort... https://www.google.com/search?biw=1117&bih=699&q=2011+Ford+explorer+retrofit+rear+bucket+seats&oq=2011+Ford+explorer+retrofit+rear+bucket+seats&gs_l=psy-ab.3..33i21k1.531.7216.0.7304.29.28.1.0.0.0.187.2827.13j13.26.0....0...1.1.64....
by surfstar
Wed Aug 23, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Taxable vs Tax-advantaged - Fees/Turnover/Etc.
Replies: 11
Views: 731

Re: Taxable vs Tax-advantaged - Fees/Turnover/Etc.

Lower fees are always preferred. Spend some more time reading the wiki, etc. The relationship between a tax-advantaged account that only offers "high" ER funds, vs investing in a taxable account is dependent on everyone's situation. I believe a rough rule of thumb (that was applicable to us, when I ...
by surfstar
Wed Aug 23, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: 3% credit card fee vs wiring from B of A
Replies: 18
Views: 1180

Re: 3% credit card fee vs wiring from B of A

Ditto on avoiding a forex fee. Also see if there are any cards that offer trip cancellation insurance, free, as a bonus.

Much easier to fight any future issues when original payment was with a CC, than via a wire transfer.


Bingo: https://www.chase.com/card-benefits/sap ... red/travel
by surfstar
Wed Aug 23, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4517

Re: Experience finding gas pump card skimmer?

0

another thing with "zero" - credit card fraud liability. Leaves me with much better things to worry about.

I would not use a debit/ATM card, only use a CC that gives you 3%+ cashback on gas, and never think twice of the issue.
by surfstar
Wed Aug 23, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3419

Re: Would you hire an obese nanny?

Substitute "obese" with a race, color, national original, sex, sexual preference, etc and see if you still feel the same way, OP.

Unless you know their medical history, you may be condemning them for something that is equivalent to their skin tone.
by surfstar
Fri Aug 18, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11392

Re: Anyone planning on never retiring?

The Catch-22 in this thread is huge. Doing what I enjoy doing day in and day out, does not equate into making money. I can't be: a professional surfer, rock climber, backpacker, snowboarder, SCUBA diver, traveler, etc. I'm not one who could capitalize on writing or taking photos of the above, either...
by surfstar
Thu Aug 17, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11392

Re: Anyone planning on never retiring?

I get no self-worth or satisfaction out of my job or working. I would happily retire yesterday. I enjoy my holidays and weekends so much more. I have much better things to do with my free time than work. Unfortunately, gotta work long enough to retire, as I haven't found a way otherwise. (I'm open t...
by surfstar
Thu Aug 17, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3278

Re: popcorn ceiling, removal or drywall over it?

Asbestos materials were banned in 1977. If this ceiling was done after that, you're safe. If you do test it and it has asbestos, you could be looking at thousands of dollars to properly remove it through an abatement company. 1978 and the ban was on spray applied surfacing materials. Think popcorn ...
by surfstar
Thu Aug 17, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 3278

Re: popcorn ceiling, removal or drywall over it?

ASBESTOS HAZARD!!! Please take a sample and have it analyzed (2-3 samples from various places/rooms is much better) for asbestos, prior to deciding on how to handle it. Popcorn ceilings are friable and a hazardous material, if asbestos containing. I do not recommend dry-walling over/against it, unl...
by surfstar
Wed Aug 16, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Buy + hold to avoid being priced out in the Bay Area?
Replies: 20
Views: 2016

Re: Buy + hold to avoid being priced out in the Bay Area?

I would wait and see what the market is like when the time comes.

Well, actually, I would save up and retire at 35 and travel. Make a ton of money just to spend a ton of money?
by surfstar
Wed Aug 16, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: California - clarification on taxes
Replies: 36
Views: 2844

Re: California - clarification on taxes

Looks like I was right :shock:. For every dollar you make in that bracket, you get to keep 54 cents. That's crazy. Enjoy the weather! :D WE DO! Also our utilities are quite low, as its never too hot or too cold :sharebeer I wouldn't advise against making more $ because of CA taxes, but I sure would...
by surfstar
Wed Aug 16, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 7190

Re: please help...am I overextended - first home

If you like it and think you'd be much happier in a home than a dark, tiny 1br apt... Rent out a room for the first year or two, that will help with monthly cashflow and hopefully allow you to build up some reserves / emergency funds. Run the NYT rent vs buy calculator. Many times. https://www.nytim...
by surfstar
Wed Aug 16, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7505

Re: How does personal wealth affect job hunting?

If I was personally wealthy, I would not be job hunting. :oops: surfstar, Let's say that your number is 2 million, your job hunting will not change if your net worth is $1 less than 2 million? How about 100K less? Most of us work in a gray scale. KlangFool While we are a long ways off, time- and mo...
by surfstar
Tue Aug 15, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 9516

Re: Is $9000 too much for a sectional sofa ?

You're using a "designer." That's to be expected.

We use IKEA ;)
by surfstar
Tue Aug 15, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7505

Re: How does personal wealth affect job hunting?

If I was personally wealthy, I would not be job hunting. :oops:
by surfstar
Mon Aug 14, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Public vs Private Elementary
Replies: 57
Views: 3782

Re: Public vs Private Elementary

I attended a Catholic school for grades 3-8.

Luckily I still learned science and evolution in High School and College.
by surfstar
Mon Aug 14, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 Mazda 3 new for $15k?
Replies: 25
Views: 3395

Re: Buying a 2017 Mazda 3 new for $15k?

So as a somewhat reformed "car guy", I've decided to buy a used prius in Oct. when my current lease is up. You've got me thinking though. Really... $15k for a new 2017 mazda 3 hatch? Maybe I should look at these. If you need Prius like mpg, but want fun to drive, another option is a VW... Deals to ...
by surfstar
Mon Aug 14, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 10187

Re: When does renting make sense

Wanna know what the "rent vs buy" calculators won't tell you? They're only good for the 1st year of renting/buying. Check out the gold standard: https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html It is as accurate as you can get, based on your accuracy for predicting future in...
by surfstar
Fri Aug 11, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Mazda 3 new for $15k?
Replies: 25
Views: 3395

Re: Buying a 2017 Mazda 3 new for $15k?

Sounds like a good deal and I'd definitely take 0% loans when I can make more than that easily.
by surfstar
Fri Aug 11, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 17
Views: 2090

Re: Redfin

Redfin was the best RE website for browsing listings, that we found. Much better than their competition, and when I read some articles about their model, it was apparent that they were different and better. That was our experience, just using the site to browse. We stayed more informed than our Agen...
by surfstar
Thu Aug 10, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 7060

Re: Struggling with Justifying an Expensive Car Purchase

If the car is what makes you "happy", go for it.
By the extreme savings you've pulled off to get to this point, I doubt that you guys are much for travel? I would have suggested a cheaper car, more trips, and an early retirement, but that doesn't seem to be your motivation.
by surfstar
Tue Aug 08, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5696

Re: Buying a Vehicle the Old Fashioned Way

Its only a fair price when neither side is happy ;)

We drove 4.5 hrs to get my car and I never bothered comparing to TrueCar/etc as my price would have been another 10% less, most likely.
I did spend quite a bit more time and effort than you did, though.
by surfstar
Tue Aug 08, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 10187

Re: When does renting make sense

Use the New York Times rent vs own calculator, pretty good estimate if you use reasonable investment gain projections and housing appreciation projections. This. The rent vs buy calculator is all one needs to determine the financial side of the financial + emotional aspects of buying a house. What ...
by surfstar
Tue Aug 08, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 4643

Re: Beach condo investing

llessac15 wrote: For now, I'm just interested in having some real estate that pays for itself with very little day to day involvement from myself.
If it were that easy, everyone would be doing it.
by surfstar
Tue Aug 08, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3347

Re: Should I Buy a New Car?

I have a 2010 Toyota Camry V6 with 95K miles. It needs new brakes, the 100k tune up (timing belt, etc.) and new tires. My estimate for costs for these things where I reside is about $1700-2000. After nixing the Tbelt (as its a v6, as others have noted and a chain) I see: $300-500 for brakes $50 "tu...
by surfstar
Wed May 17, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 7422

Re: Convince me to get back into stocks!

Somebody please convince me to get back into the market! I won't try. It's your money. It's your life. It's your decision. I ... have about $50k to invest (in my 401k) – it’s currently all cash (because I switched from employer fund options to brokeragelink in my fidelity 401k in 2014, which forced...
by surfstar
Tue May 16, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 9736

Re: Tesla Solar Roof

What about the fact that electricity prices could DROP over the next 30 years? Better and more affordable solar generation and storage. Are these 30 year savings predicated on electricity prices today and increasing with inflation? Are you entering into a 30 year price contract with the local utilit...
by surfstar
Fri May 12, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 3720

Re: Does a new car purchase make sense?

2 hr commute?

Buy a used Prius. Safe enough. Cost of car will be partially offset by savings. They not only save on gas, but are very reliable and require very little maintenance.
by surfstar
Fri May 12, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 9736

Re: Tesla Solar Roof

Our electric bill is so low, our payoff would be about... never.
And I like the thought of saving energy and money and generating your own electricity, and all that. But alas, ROI dominates.