Search found 1471 matches

by surfstar
Thu Oct 18, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Kai-Zen premium finance life insurance plan
Replies: 19
Views: 1362

Re: Feedback on Kai-Zen premium finance life insurance plan

I don't get it - do you need insurance or do you want to invest?
If you have lots of money and need life insurance - get a term life policy. Invest the rest.

Are you so greedy that this standard approach doesn't work? Maybe as a low net-worth person I just don't get the reasoning.
by surfstar
Tue Oct 16, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 17
Views: 1372

Re: Zion Nat'l Park & mosquitos in October?

Much more likely to have crowds than mosquitoes. Oct. is a great time to visit - we went 2 or 3 years back. No mosquitoes, although my wife did get attacked by some wasps as we were washing off in the creek near camp. Turned out there was a nest up in the tree that we disturbed! Oh yeah, crowds were...
by surfstar
Sat Oct 06, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Another Term Life Insurance Query
Replies: 9
Views: 742

Re: Another Term Life Insurance Query

We went through term4sale then spoke/emailed an agent in another state. Simple process, best rates. There should be no follow-up needed after purchase. Its a done deal, no changes, no converting. Its term life. The whole life, and anything else that requires salesmanship is where you get ripped off ...
by surfstar
Thu Oct 04, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5140

Re: Vacation without saving adequately?

Go. Be frugal with how you pay for it. Don't eat out. If you need to fly, get a new CC now, earn bonus miles, redeem for trip. Start looking into how to get discounted lift tickets. Do that correctly and you can save 50% over someone who doesn't plan their vacation correctly. That makes every other ...
by surfstar
Tue Oct 02, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2211

Re: Adult kids getting help from parents

Us? 0 Friends - yes. Siblings - yes. We don't know of any other people our age that have been able to come up with a down payment for a home here, besides us. We're gov employees - we just knew how to save. The one friend who could do the above - decided to retire at 39 instead (he did receive an in...
by surfstar
Tue Sep 18, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12145

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Money is NOT everything and despite what some may say, you only go around once on this planet. Make the most of your TIME.
by surfstar
Tue Sep 18, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: Fixing diamond ring
Replies: 19
Views: 1408

Re: Fixing diamond ring

serbeer wrote:
Tue Sep 18, 2018 5:37 pm
After all, I would not know zirconia from diamond on sight, and especially higher quality diamond from lower quality one or the one slightly smaller.
I love this quote.
by surfstar
Tue Sep 18, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3568

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Shop around better - $17k for a used Civic is too much. Switch to a Hyundai or a VW Golf or ...

But yes, the BMW was overbudget, hopefully you enjoyed it and worked it out of your system. Only 8k miles a year? You could buy a used car with 80k miles for $10k and it'll last you a long time...
by surfstar
Tue Jul 10, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4463

Re: Monthly Water Usage

SoCal
4 person (3 adult, 1 teen) household

3 or 4 HCF / month (1HCF is 748gal)

so we're at 2,244-2,992 gallons per month. Water/Sewer is about $70-80/month for that amount of use.

Waste not, want not.
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: 5931

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: 1520

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: 3685

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: 5360

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: 46
Views: 7328

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: 5855

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: 5720

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: 2106

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: 5342

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: 5888

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: 5417

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: 7351

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: 2920

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: 7572

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: 2059

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: 6364

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: 46
Views: 9410

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: 5026

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: 9502

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: 9502

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: 2823

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: 2845

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: 4483

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: 1941

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: 122
Views: 9738

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: 2058

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: 14442

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: 14442

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: 8116

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: 14442

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: 8116

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: 9303

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: 1482

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: 672

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: 3462

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: 1112

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: 1112

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: 47129

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: 10851

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: 15737

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: 4749

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.