Search found 1462 matches

by surfstar
Sat Jun 09, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5325

Re: Another home thread: 2mil / 40K in taxes

Keep renting. Stash all you can, FIRE to somewhere better to live.
by surfstar
Sun Apr 29, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: $15,000 for 35 years
Replies: 7
Views: 1420

Re: $15,000 for 35 years

oh and the best way to ensure that your $15k continues to grow...

...make more investments into it! A little bit every paycheck. Each raise / cost of living increase, add 50% of that to your 401k deductions. If you really want to see it grow, try adding even more!
by surfstar
Sun Apr 22, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 3047

Re: Looking to purchase new car/SUV

Worrying about gas mileage when purchasing a luxury SUV is not seeing the forest for the trees. When spending $50-60k what difference will a few mpg make when looking at TOTAL COST OF OWNERSHIP? That is the bottom line, if you care that is, for car economics. Expensive dealer trips included. If you'...
by surfstar
Wed Apr 11, 2018 11:39 pm
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4905

Re: Bull Market

Can someone remind me why we shouldn’t try to time the market? This bull market has been incredible but it doesn’t take a genius to look at historical averages and see we’re near the end here... Where are all the non-genius billionaires, then? If "it doesn’t take a genius to look at historical aver...
by surfstar
Fri Apr 06, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 3471

Re: GEICO rate increase: 49% annualized?!

Shop around. See if you qualify for any of the numerous Geico discounts.
That's about all you can do.
by surfstar
Fri Apr 06, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: help! I want to treat heirs equally
Replies: 38
Views: 5469

Re: help! I want to treat heirs equally

I don't think anyone else said this yet and it came to me...... Spend all your money before you pass! Lease Ferraris, sell the house and rent, take plenty of trips, buy an SPIA with no death benefit, eat at the best restaurants, go see big time car races and sports games and concerts. Pre-pay your ...
by surfstar
Sat Mar 24, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5298

Re: Big time home inspection issues

Do you need 4/5 bedrooms? I'd go for something smaller and newer/better kept. I also doubt that they will give near the credits (actually the credits may be limited in dollar amount, so the sale price would need to drop, which both realtors would be against, lol) necessary to make it worthwhile. The...
by surfstar
Sat Mar 24, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 1639

Re: Recently Engaged, Considering Joint Account(s)

Definitely all dependant on the couple. There's no need to combine or have joint accounts unless you both want to. I thought we were going to and it would be easier - something like we each put in so much from our paycheck into a joint account that would cover mortgage and joint expenses, etc. Reali...
by surfstar
Tue Mar 20, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs renting - really tough decision to make
Replies: 64
Views: 4685

Re: Buying vs renting - really tough decision to make

finite_difference wrote:
Tue Mar 20, 2018 8:49 pm
3500 square feet is huge unless you are planning on having 7 kids.
I agree. 3500 SF is ugly-American huge. I get that it rains a lot in Seattle, but there are lots of things to do up there besides sit in a McMansion.
To each, their own, though.
by surfstar
Fri Mar 09, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: How Amazon Can Blow Up Asset Management
Replies: 31
Views: 5609

Re: How Amazon Can Blow Up Asset Management

"Alexa, what stock should I buy today?" Just think of all the data mining that Alexa can do - listening in to household's conversations times tens of thousands. It will know what people are talking about and what people will want/need/buy - then it can tell you what stock to buy ;) What could go wro...
by surfstar
Fri Mar 09, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 29
Views: 5144

Re: Redfin

We are and were very informed consumers. We would go to an open house and know more than the agents. For us a Redfin model would be preferred. Alas, we have to deal with the slimy feeling RE industry when we bought, instead. We know which house we want, we know how to get it inspected, how to read c...
by surfstar
Mon Mar 05, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Has the home we wanted just become 20% more expensive due to tax reforms?
Replies: 62
Views: 6885

Re: Has the home we wanted just become 20% more expensive due to tax reforms?

This is precisely why Bogleheads advise people with the caveat that we cannot know what the future tax rates will be. Whether it be for retirement, income, or housing funds. We were a bit dismayed, as we purchased in Nov 2016, and just did our taxes. SALT gave us a nice "bonus", but alas, it was sho...
by surfstar
Fri Feb 09, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 2669

Re: Reporting backdoor Roth IRA with H&R Block

THREAD BUMP Bumping this thread, as I just ran into the same issue. 2017 H&R block downloaded software. I had to uncheck the box above line 1, in order for Form 8606 to populate correctly. "Check this box if you meet BOTH of the following requirements: *you converted ALL of your traditional, SEP, a...
by surfstar
Fri Feb 09, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 6966

Re: Live / work in California - Technology Career

... Looking for most desirable and have the best weather. You left out the central coast - Montery, San Luis Obispo, Santa Barbara, and Ventura counties. Best weather, very desirable if you're not specifically looking for the big city urban environments. Yes. Unless you want to experience the worst...
by surfstar
Fri Feb 09, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1920

Re: Multiiple indicator lights on (car)

Not used often, also points to battery.

Might need to put a battery tender on it if it sits for long periods and gets short trips.
by surfstar
Wed Feb 07, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5740

Re: What time do you go to work?

7:30-5
Every other Friday off.

Gov. has its perks.
by surfstar
Tue Jan 30, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: My new car buying experience.
Replies: 40
Views: 6805

Re: My new car buying experience.

For my "number" I always used "867-5309" - I think less than 5% of the sales people got it. They always would email saying that they tried to call and my number didn't work - duh :oops:
by surfstar
Fri Jan 26, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a home - Financial Benefits? HCOL
Replies: 75
Views: 4113

Re: Buying a home - Financial Benefits? HCOL

OP, if your rent is cheap enough that the NYT rent vs buy calculator says don't buy, then don't. We were living in a 1br, below market, apt. Once we starting thinking of moving to a larger 1 br or 2br with simple amenities like a dishwasher, garage/storage, and washer/dryer, it made sense to buy. I ...
by surfstar
Fri Jan 19, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 8655

Re: Short Commute or Nicer House?

SHORT COMMUTE - yes. BUT AGAIN, THERE IS NO REASON TO IMMEDIATELY BUY A HOUSE!!! I don't see why more aren't saying so. You want to get a good feel for an area before committing to purchasing a house. Are you really going to go off of online reading and what a realtor says? Live there for a while, t...
by surfstar
Thu Jan 18, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 8655

Re: Short Commute or Nicer House?

Don't buy until you've been there a year!

Rent in option 1 neighborhood. Short commute is worth it.
by surfstar
Mon Jan 08, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 2449

Re: Car recommendations needed for growing family

Yes. Minivans are functional. SUVs are raised station wagons that get worse mileage, handle worse, cost way more, etc. Get a family hauler and then a commuter - maybe even a used Leaf? If you can get by with short range, they are dirt cheap and require little maintenance. Used Prius is a good bet fo...
by surfstar
Sun Jan 07, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to try to "time" a first time home purchase?
Replies: 48
Views: 2550

Re: Does it make sense to try to "time" a first time home purchase?

after adjusting for inflation, prices are still not as high as the 2006-07 peaks

definitely do not use timing to alter your purchase decision
by surfstar
Sat Jan 06, 2018 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 4305

Re: Is it time for me to get my 401K out of the stock market?

You have a pension + a lot of cash. You need to keep some in equities, IMO.

"25-75% in equities"
by surfstar
Sat Jan 06, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: How often to invest; or: how to avoid commissions?
Replies: 21
Views: 1729

Re: How often to invest; or: how to avoid commissions?

Move to Vanguard?

Unless I missed it and you're using a self-directed brokerage inside of a 401k.
by surfstar
Thu Dec 28, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 6581

Re: Keeping a checkbook register

Now that I no longer make a rent payment, my checks get used even less. They are from 3 addresses ago and when Washington Mutual still existed. Never had one not cashed, though.
I pretty much only use them for camping fees now.
I see no reason to "balance" my checkbook.
by surfstar
Thu Dec 28, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: High Returns Problem
Replies: 14
Views: 1931

Re: High Returns Problem

We are buying into income producing oil and gas revenues that older operators and investors want to clear for their estates. Perhaps diversify into renewables as a "contra" investment? O &G may be fine for years, a couple-few decades even, but it is not the way of the future, IMO (and the opinion o...
by surfstar
Thu Dec 28, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 12914

Re: Another should i buy my dream porsche thread...

I still never mentioned why you want this particular car. What is your goal with it? Drive fast on the streets? go to a road course/track? look good in front of friends and co-workers? What exactly is your goal? I have a friend who dreamed of owning some kind of "super car." He bought himself a Lam...
by surfstar
Wed Dec 27, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 12914

Re: Another should i buy my dream porsche thread...

I still never mentioned why you want this particular car. What is your goal with it? Drive fast on the streets? go to a road course/track? look good in front of friends and co-workers? What exactly is your goal? I have a friend who dreamed of owning some kind of "super car." He bought himself a Lam...
by surfstar
Wed Dec 27, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $600-650k house?
Replies: 60
Views: 7561

Re: Can I afford a $600-650k house?

CC debt - Yes its odd we have this with the taxable savings that we have. TBH both of us are good at spending and not so good at saving. that said whenever a windfall comes our way through bonus or tax return etc we stash it away and invest before we have a chance to spend it. I find it very easy t...
by surfstar
Wed Dec 27, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 12914

Re: Another should i buy my dream porsche thread...

Will a 100k car make you happy? Happier than 100k worth of travel? Charity? Time (closer to FIRE)? Etc? Up to you, don't need our permission. To each their own. I see no utility in a sports car (where does all the camping gear go?) and would rather put that money towards an early retirement. Some pe...
by surfstar
Tue Dec 26, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $600-650k house?
Replies: 60
Views: 7561

Re: Can I afford a $600-650k house?

Agreed. Stay in the condo, continue saving, buy a house later if kids come into play.

Not necessary at this stage. It just requires so much money and work, IMO. Delay until required!
by surfstar
Tue Dec 26, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 9018

Re: 1st, your education. Then...Location, Location, Location

RE: 1st, your education. Then...Location, Location, Location See: my location :mrgreen: Also, UCSB graduate and have lived my entire life in Santa Barbara County. Can't afford a house, but it sure is nice here :D oh, and playing hard, is much more fun than working hard. You don't get paid in dollars...
by surfstar
Tue Dec 26, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1357

Re: Car/SUV - which to replace first

VW Alltrack - brand new $25k + (easy to negotiate $6k off on a 2017 right now) Honda CRV - $25k + Subaru Forester / Outback $25k +/- Those should be new vehicles and not fully loaded. If you want to spend $30k on a CPO? That would be a "luxury" SUV, IMO. Shouldn't be too hard to cut a lot of the pri...
by surfstar
Tue Dec 26, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance, what do I need?
Replies: 7
Views: 601

Re: Term Life Insurance, what do I need?

Remember, don't buy so much life insurance that the beneficiary doesn't miss you ;)

I think a 20 yr $250k term for each would be a good way to go. Plenty cheap to purchase and would protect either of you, regarding mortgage and retirement savings, if someone passes before 50.
by surfstar
Tue Dec 26, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 27
Views: 3363

Re: Electric Bicycles

THREAD BUMP I've been looking into ebikes, as my new job/commute would be nicely situated for them. Previously I would commute 1.5-2 miles, one-way, on my mountain bike. No biggie. Not long enough to break a sweat before work. New commute will be 5.5-6, one-way. Also the agency provides incentives f...
by surfstar
Tue Dec 26, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: New Tax Plan and future stock returns
Replies: 18
Views: 981

Re: New Tax Plan and future stock returns

I don't see how this thread isn't locked yet, so my prediction is that there will be a crash after a certain political fall-out event that may or may not happen. In the meantime, people will continue to pump, before the dump. As we don't have a crystal ball, though, and timing can never be known, "s...
by surfstar
Tue Dec 26, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: New Tax Plan and future stock returns
Replies: 18
Views: 981

Re: New Tax Plan and future stock returns

Hi all, How can the US stock returns be good in the near future(10 years or so) due to their high valuation and the risk that the next or next administration raises the corporate tax ? How was it possible for the market to have come roaring back from 2009 to now, with the sky-high corporate tax rat...
by surfstar
Sun Dec 24, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 42978

Re: What frugal thing did you do today?

Washed our cars; ourselves.
by surfstar
Sat Dec 23, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 78
Views: 9985

Re: Early retirement pros and cons:

My opinion: I can't retire early enough. Hate work (in general) and much prefer our time off on weekends, vacations, holidays, etc. We do much more fun things and are only limited by our time and money; which brings us back to work. For those of you who have more than enough and continue to work, I ...
by surfstar
Fri Dec 22, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 14884

Re: Will you take this Fidelity bait ?

Agreed that $5k on a $5M portfolio is almost nothing.

Also, if you managed a $5M portfolio without help, there's obviously no need for any help now. Enjoy your retirement.
by surfstar
Fri Dec 22, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4505

Re: Different ways to order coffee

A boglehead doesn't order coffee, they make it at home.

The markup on coffee must be similar to alcohol.
by surfstar
Fri Dec 22, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 23373

Re: Do you see a meaningful change in your income with new Tax Bill?

No.
Even if we pass less, it would definitely not be "meaningful."
by surfstar
Fri Dec 22, 2017 1:03 am
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 8021

Re: Saving for the crash

People (so called "experts") were saying this back in 2013 - before a great year for the S&P 500.

Whenever people talk about stuff like this, remember and repeat:

" Nobody knows nuthin' "
by surfstar
Fri Dec 22, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12922

Re: Help Me Cash Out My Bitcoin!

A private key for a wallet is a 256 bit number, or 2 to the power of 256. To put that in a base more familiar to humans would be 10 to the 77th power. In other words, around the estimated number of atoms in the universe, and a number so mind-bogglingly big that humans can't grasp it. Even if you us...
by surfstar
Thu Dec 21, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Buy New Car Now or Later
Replies: 9
Views: 903

Re: Buy New Car Now or Later

Yes, if keeping the car, I question the strut replacement. I did a whole (front rear) struts, plus mounts, plus lower control arms / ball joints, on a previous Mazda; hoping to "restore" factory handling... I found no notable difference for my $600 and DIY efforts. On a previous Saturn Vue, my rear ...
by surfstar
Thu Dec 21, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 12795

Re: A meal with friends yields a financial revelation

Since we bought our "house" (1/2 a duplex) a year ago, instead of "going out" for happy hours, we invite our friends over and have drinks/apps/etc at our place. We have a ton of fun and see more people, more often. The cost is much less too (1 beer at "happy hour" = 4 beers at home). I scrutinize al...
by surfstar
Thu Dec 21, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Buy New Car Now or Later
Replies: 9
Views: 903

Re: Buy New Car Now or Later

Do you want a new car with newer safety and tech? If so, shop a new civic or mazda3. 122k miles in 10 years = a hybrid is not worth the extra cost for you (no ROI). If you're happy with your car, take it to an independent mechanic for the service. I'm thinking it really needs: 1. Timing belt + water...
by surfstar
Thu Dec 21, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: New Car; Maintenance
Replies: 30
Views: 2304

Re: New Car; Maintenance

Here's why you should run high octane fuel: https://www.10thcivicforum.com/forum/177-2017-honda-civic-hatchback-turbo-forum/18714-premium-vs-regular-fuel.html - Safer for your engine - More power - Greater fuel economy You'll pay just $150/year for all that. Well worth it IMO. -not proven -slightly...
by surfstar
Wed Dec 20, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: A good used car purchase?
Replies: 13
Views: 966

Re: A good used car purchase?

No.

That seems way too expensive for a 2010 vehicle.

Also, your other Pilot had quite high miles - how many do you guys drive a year? Something with better gas mileage could greatly reduce your overall ownership costs...

Toting kids around? Prius V could work...