Search found 137 matches

by katzmandu
Thu Aug 30, 2018 12:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 503
Views: 53527

Re: Post your Financial Milestone Announcements Here

Passed the 500k and 550k mark this year (so far). Yeah, its nice to have a tailwind, but it feels good. This forum has been invaluable in getting me to focus on asset allocation and maxing both 401k and IRA contributions, simplifying my investments and paring down my total ER costs. It's all you can...
by katzmandu
Mon Jul 16, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2670

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

I will be maxing out 401k / ROTH and I get a match that hits equally every paycheck, so no issues there.

I'm hoping I am able to turn on spillover this year so I can contribute after tax to years end as my company supports in-service rollovers quarterly.
by katzmandu
Mon Apr 23, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 3185

Re: Coffee maker recommendations

Just get a refurbished Technivorm ($175-200) and you'll never wonder if you're getting anything less than the best cup of (drip) coffee. Check Newegg for the refurbs...they all go back to Denmark and anything broken is replaced.....same as new.
by katzmandu
Sun Feb 18, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 6332

Re: Signed up for American Express - "Premium" car rental insurance

I use & recommend the AMEX Premium car rental insurance. The BIG difference is that AMEX Premium covers 'ANY' damage to bring the car to the condition when rented & theft. All the other cc car rental coverage covers 'collision' damage & theft, read the coverage details. Here are just a few tyes of ...
by katzmandu
Mon Feb 12, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Bonavita 1500 vs 1800/1900? (coffee)
Replies: 16
Views: 1578

Re: Bonavita 1500 vs 1800/1900? (coffee)

My preferred drip coffee maker is the Technivorm Moca Master 10 cup with thermal carafe. They are more expensive than the Bonavitas, generally $319 ish but I was able to get one for $220 ish through Massdrop. European cup sizes are small at 4 ounces so we are getting 4-5 mugs for a 10 cup brew. The...
by katzmandu
Thu Jan 18, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5896

Re: 4k UHD TVs worth it?

I just picked up a new 55" Samsung 8000 series. Its amazing and you'd be hard pressed to see some humongous difference between that and the Quantum Dot (highest) series. There isn't much 4k content I know of outside of Netflix and some test videos you can get your hands on. Even the 4k YouTube video...
by katzmandu
Sat Jan 13, 2018 7:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 503
Views: 53527

Re: Post your Financial Milestone Announcements Here

Passed the 1/2 way mark (500k) in total invested assets on the first of the year. Still a ways to go, but an agreeable market and application of all the good advice on this site (and others) paved the way. Hope the 2 comma club will come quickly on this side of the divide.
by katzmandu
Wed Jan 03, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: New Year, New Milestone
Replies: 2
Views: 452

Re: New Year, New Milestone

I never assume market returns before they are given. 2017 was great....not 2013 great, but great nonetheless I'm aware of the ups and downs which is why an intelligent allocation that I can sleep at night with is fine with me. Stick to the plan and it should turn out OK, all else being equal. Wishin...
by katzmandu
Tue Jan 02, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: New Year, New Milestone
Replies: 2
Views: 452

New Year, New Milestone

Like many posts on Bogleheads before me, who else am I going to tell but the folks on here? Finally made it up to 500k+ NW and total investments in the market. Great way to start the new year. Been quite a slog since I found other early retirement sites a few years ago which eventually led me to thi...
by katzmandu
Thu Dec 14, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 12651

Re: How much did you contribute to your 401k in 2017?

Age 46

18000 + 6600 corp matching - 401K
5500 - ROTH

Grand Total: $30,100

Hopefully more next year via Mega Backdoor
by katzmandu
Mon Nov 20, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 207
Views: 34741

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Looks like 4.23.18 is the release date as per Amazon. Guess we can pre-order.

Fair price for invaluable advice. Thanks!
by katzmandu
Tue Nov 14, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6740

Re: Keurig died...what now?

Keurig: tasteless coffee, bad for the environment, bad for your wallet. Amazed these guys are still in business. Both they and Nespresso are reaching for the same market. Convenience and 'OK' coffee, though I have to say the Nespresso does coffee a LOT better than a Keurig. Its sort of a Swiss Army...
by katzmandu
Tue Nov 14, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6740

Re: Keurig died...what now?

The Keurig cups are incredibly expensive when you aggregate them out over cost per pound of coffee. There is a convenience factor, sure, but you'll have to ask yourself it makes sense to pay the extra for it. I went in for the Technivorm Moccamaster (refurb to save on cost) and a Breville Grinder (...
by katzmandu
Tue Nov 14, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6740

Re: Keurig died...what now?

Depends how much you like coffee. The Keurig cups are incredibly expensive when you aggregate them out over cost per pound of coffee. There is a convenience factor, sure, but you'll have to ask yourself it makes sense to pay the extra for it. I went in for the Technivorm Moccamaster (refurb to save ...
by katzmandu
Wed Nov 08, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 4858

Re: Coffee

I have a Technivorm, a Breville grinder and get good enough beans from my local Fairway. Who needs a coffee shop when you can output better tasting coffee at home for a fraction of the price?
by katzmandu
Wed Nov 08, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 31887

Re: How old are you and how much do you save for retirement a year

It's funny. Talking to people at work I feel like I'm the only one in the world saving for retirement. Reading on here I feel like I am not doing nearly enough. +infinity THIS! +1 as well. I pass along what I read here to my colleagues who sit by me and even the ones who listen and go 'Mmmhmm' thin...
by katzmandu
Wed Nov 08, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 31887

Re: How old are you and how much do you save for retirement a year

46

401k - max + profit sharing + some after tax contributions this year for Mega-Backdoor (1st time)
ROTH - max

Verifiably, 30k to tax advantaged this year, but I'd say maybe 35k with post tax (bank acct + Megabackdoor)

Doing this on my lonesome in NYC so not too bad, all things considered.
by katzmandu
Thu Nov 02, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 5846

Re: Considering a LG 55" OLED TV

Not to throw too much rain on the idea, but considering the flogging Google and LG are taking for what is a not as good as Samsung quality OLED on the Pixel 2, might it not be worth checking Samsung out to see if you have a better option? Samsung really has a leg up on their competitors in terms of ...
by katzmandu
Thu Oct 26, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: First time Mega Backdoor
Replies: 16
Views: 1711

Re: First time Mega Backdoor

I was told that once you set the Quarterly ROTH conversion option to 'Transfer 100% of after-tax balance', these after tax monies in my 401k would be converted and tracked separately so you wouldn't need to transfer to a ROTH IRA (unless you really wanted to, I suppose). Considering that many of my...
by katzmandu
Thu Oct 26, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: First time Mega Backdoor
Replies: 16
Views: 1711

Re: First time Mega Backdoor

One other prep step is to make sure you don't have any IRA's in your name, and (if you do) roll them over to your 401k account if allowed by your plan. If you don't, the "pro rata" rule will likely make most of the eventual Roth rollover taxable. Existing traditional IRA accounts have nothing to do...
by katzmandu
Wed Oct 25, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: First time Mega Backdoor
Replies: 16
Views: 1711

Re: First time Mega Backdoor

Generally, that is how a spillover election works. Max out pre-tax, then spillover election permits the same level of withdrawal percentage but on an after-tax basis. Make sure your employer permits in-service distributions of after tax contributions. Not all plans permit it, they permit the spillo...
by katzmandu
Wed Oct 25, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: First time Mega Backdoor
Replies: 16
Views: 1711

Re: First time Mega Backdoor

1) Change my spillover elections to go past the 18k limit - Done 2) Change the After Tax option to 100% conversion to ROTH - Done You may want to make this election so you can specify your contribution percentage to the minimum necessary to reach the employee deferral limit. Just be aware that if y...
by katzmandu
Wed Oct 25, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: First time Mega Backdoor
Replies: 16
Views: 1711

Re: First time Mega Backdoor

Generally, that is how a spillover election works. Max out pre-tax, then spillover election permits the same level of withdrawal percentage but on an after-tax basis. Make sure your employer permits in-service distributions of after tax contributions. Not all plans permit it, they permit the spillo...
by katzmandu
Wed Oct 25, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: First time Mega Backdoor
Replies: 16
Views: 1711

First time Mega Backdoor

Glad my employer offers this as an option at MegaCorp Curious as to the how this is executed. I'm fairly certain I have 2 of the steps completed, but just trying to see what else I have to do or if Im all set: 1) Change my spillover elections to go past the 18k limit - Done 2) Change the After Tax o...
by katzmandu
Fri Oct 20, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: 401k options for small company
Replies: 8
Views: 815

Re: 401k options for small company

You say he's an "employee" of a 2-man law firm. Is he one of the 2 lawyers? Also, is the 2-man law firm really a "firm," or is it two solo practitioners sharing space? Space (and sometimes staff) sharing happens a lot with lawyers. The answers to these questions might make a difference as to what h...
by katzmandu
Thu Oct 19, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: 401k options for small company
Replies: 8
Views: 815

401k options for small company

While having a conversation with a friend last night who is an employee of a 2 man law firm, I was struck by the fact that he mentioned he's only saving in an IRA as opposed to any sort of 401k (company, self directed, etc). Due to the contributory limits of an IRA, he's likely going to find himself...
by katzmandu
Wed Sep 13, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 23112

Re: Is it really Worth it to brown bag your lunch at work?

Reading through all these comments it seems everyone simply needs to decide for themselves how long they prefer to sit behind or a desk or have to work before reaching FI/RE. If you brown bag all the time, no issues cooking, etc, and saving to the max you can, you'll finish sooner than someone how d...
by katzmandu
Mon Aug 21, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Your opinion on [a tower fan]
Replies: 4
Views: 625

Re: Your opinion on [a tower fan]

Depending on your budget, anything by Ozeri is going to be amazing. I have one of their tower fans and its quiet even at full blast. Temp gauge on it, etc. Probably north of $80 but last one you'll need. My 2 cents
by katzmandu
Fri Jul 14, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Have you switched from Total International to Slice & Dice or vice versa?
Replies: 28
Views: 2688

Re: Have you switched from Total International to Slice & Dice or vice versa?

FTIPX and done. Up 14.6% for the year. Doesn't make me a genius as a rising tide lifts all boats, but simple and easy.
by katzmandu
Sun Jul 09, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?
Replies: 23
Views: 1530

How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?

As an example, if the SP500 was up 8% one year and you were up only 6.8% on a balanced portfolio, would that be considered leaving money on the table or an acceptable rate behind since most are not all in? You'd have to be 100% SP500 equities to capture that 8% gain, but I would venture a guess most...
by katzmandu
Thu Jul 06, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 5644

Re: Anyone bought a Pixel?

I'm torn.... I LOVE the Fi service and traveling options outside the US. I have a Nexus 5x phone and it's meh... Lots of bugs with either the phone or android (non responsive buttons so cannot answer phone sometimes, poor apps like default dialer, slow camera, music app that insists on playing when...
by katzmandu
Thu Jul 06, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 5644

Re: Anyone bought a Pixel?

Sounds like the thing to do is wait until Pixel 2 comes out and try to pick up a discounted Pixel. Agreed. I updated to a Nexus 6 2+ years ago (admittedly when Sprint was still offering 2 year contracts) for sub $300. They stopped upgrading the OS at 7.1.1 though they are continuing to provide mont...
by katzmandu
Fri Mar 24, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund changes - A little help?
Replies: 5
Views: 584

Re: Vanguard Fund changes - A little help?

Once you are down to issues of 0.05% it isn't worth a lot of worrying over cost. The issue with costs is getting people out of 2%-3% total investing costs down to the range of 0.1%. Fair enough, but even so, no one like to overpay :) Any thoughts on which of those 3 funds or what proportions might ...
by katzmandu
Fri Mar 24, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund changes - A little help?
Replies: 5
Views: 584

Re: Vanguard Fund changes - A little help?

Evidently they are doing some moves by me and making changes so wanted to pick the forums' brain to see if any concern or perhaps a To -> from 1) They are changing from Vanguard TSM Institutional Plus to Vanguard Institutional Total Stock Market Index Trust..same ER (.02). Anyone know about this Tr...
by katzmandu
Fri Mar 24, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund changes - A little help?
Replies: 5
Views: 584

Vanguard Fund changes - A little help?

Evidently they are doing some moves by me and making changes so wanted to pick the forums' brain to see if any concern or perhaps a To -> from 1) They are changing from Vanguard TSM Institutional Plus to Vanguard Institutional Total Stock Market Index Trust..same ER (.02). Anyone know about this Tru...
by katzmandu
Thu Jan 26, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)
Replies: 12
Views: 2680

Re: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)

With an expense ratio of .33, is VDIGX outperforming other funds of a similar type (or general market index funds for that matter) enough to make it worth holding onto? 17.3% from last year so suppose if you have it (I do), you can't complain too much :) PS, I believe they closed this fund to new i...
by katzmandu
Thu Jan 26, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)
Replies: 12
Views: 2680

Re: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)

With an expense ratio of .33, is VDIGX outperforming other funds of a similar type (or general market index funds for that matter) enough to make it worth holding onto? 17.3% from last year so suppose if you have it (I do), you can't complain too much :) PS, I believe they closed this fund to new in...
by katzmandu
Wed Jan 25, 2017 12:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 14112

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday, Taylor!

Always enjoy reading your interesting posts full of sage advice.

Onwards to 193!! :)
by katzmandu
Mon Jan 09, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 23778

Re: Best Financial Moves You've Made

Using Bogleheads, Financial Samurai and (back in the day) MMM to get the ship righted, get serious about saving and develop effective strategies for investing and obviously staying the course through different markets. If the last 10 years are any indication, I've definitely made the right choices a...
by katzmandu
Thu Dec 01, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: another New York rental question
Replies: 40
Views: 3705

Re: another New York rental question

I lived the life in Manhattan for years before finally wising up and moving out to Queens. 2k will get her a hole in that area. If she wants to live with another person, sure, she will probably find something. If she wants to live in Manhattan for a year or 2, do it, get it out of your system and mo...
by katzmandu
Mon Nov 28, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investing vs Buying A Home?
Replies: 35
Views: 3929

Re: Investing vs Buying A Home?

OP, Come on. Are you kidding me? You know the answer. Unless you save a lot more, you cannot afford to buy a house. You could only retire if you are fully employed from now until 65 years old. That is a very optimistic projection to begin. But, you want to increase your risk of not making it by "re...
by katzmandu
Fri Oct 07, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 8173

Re: Johnnie Walker Blue worth the cost?

Nadurra (first tasted at a wedding) is what started my love of Scotch, and my love of Bourbon began with Blanton's (which was a Groomsman's gift), so I can definitely repeat those recommendations. Be aware though that Nadurra is Cask-Strength. Others I'd recommend: Highland Park 18, finished in She...
by katzmandu
Fri Oct 07, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 8173

Re: Johnnie Walker Blue worth the cost?

I'm surprised no-one's mentioned Laphroaig, one of my favorites. It's usually $50 for 750 mL but my Costco sells it for $39. However it's very peaty so probably only an acquired taste for most, though I warmed up to it immediately. Plus along with every bottle comes a code you can use to claim deed...
by katzmandu
Thu Oct 06, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 8173

Re: Johnnie Walker Blue worth the cost?

As most have posted, good bottles of scotch can be had for between $50-$80/bottle. For variety and drinking pleasure I like to buy the three different Glenmorangie scotches (regular, Lasanta & Ruban). These are I beleive 12 year old and run about 48-55$/bottle. Very good in that the regular is more...
by katzmandu
Thu Oct 06, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 8173

Re: Johnnie Walker Blue worth the cost?

Thanks for all the advice so far. I'm not dead set on scotch for this gift; a nice bottle of bourbon would also be a consideration, so any recommendations there would be appreciated as well. EH Taylor Four Roses Small Batch Most anything from Buffalo Trace Distillery Pappy Van Winkle 20 year (if yo...
by katzmandu
Thu Oct 06, 2016 6:33 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 8173

Re: Johnnie Walker Blue worth the cost?

Its only worth it for the price if you and your friends will enjoy it that much. Objectively, its 150-200 for a blend that I find to be at best, 'pretty good' but Ive tasted better and more complex single malt scotches for 1/2 the price or less. I always enjoy if someone is pouring, but I find the c...
by katzmandu
Thu Sep 29, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 62
Views: 6023

Re: Retirement based on not on #, but healthcare?

I have to answer out of curiosity.... What employee provides healthcare during retirement? I would assume some kind of government agency. Even during employment, my employers have left a pretty big health care cost resting on my shoulders (deductibles, copays, network definitions). Max out of pocke...
by katzmandu
Mon Sep 26, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: House as Investment vs Stock Market.
Replies: 21
Views: 3478

Re: House as Investment vs Stock Market.

A couple of thoughts. When doing things like this one should try to do like to like. I think your choice of house v. stock market is wrong. A house tends to be a safer investment than stocks. As they say, risk and returns are linked. I would use AA or BBB bonds instead. I think over the long term a...
by katzmandu
Sun Aug 21, 2016 7:22 am
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 5154

Re: How much do you spend on coffee/tea?

1) Please do not associate "Coffee Fanatic" with Starbuck. A coffee fanatic would not believe that Starbuck is good enough. FINALLY. I knew if I waited long enough, I would agree with KlangFool on something :) A couple of years ago, a local coffee roaster opened shop 2 doors away from a Starbucks. ...