Search found 695 matches

by arsenalfan
Mon Aug 12, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 84
Views: 5656

Re: Beyond Meat Burger? Do you like?

I think they're great for the environment and might be a fun stock pick if you had a "play account" I had one at an upscale food chain a year ago. It was ok. I'm not a burger "purist" - so I'm interested to see what those folks think (people like undressed burgers). IMHO Environment: Lower impact, d...
by arsenalfan
Tue Jul 23, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Paying Off Mortgage Question
Replies: 77
Views: 6555

Re: Paying Off Mortgage Question

Behavioral issue: You have to have the discipline to follow the plan, cash out and pay off the mortgage. Our ISP says any windfall/surplus goes 33% towards mortgage and 67% towards aftertax. Now our aftertax account is greater than the mortgage balance. It is tempting to take the risk and let the in...
by arsenalfan
Thu Jul 11, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8965

Re: Who cuts your hair? And for how much?

My daughter, every 2 weeks, simple fade and taper.
$50 goes into her Roth = $2600 per year.
Save a screen shot every year from a local barber's internet site, which states this rate.
by arsenalfan
Wed Jul 03, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Hire a driver?
Replies: 63
Views: 3534

Re: Hire a driver?

Like all discretionary spending its personal and Depends on budget, driving ability post call, the route, etc

I have a car service for this and we use it in inclement weather.
by arsenalfan
Sat Jun 22, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16562

Re: what was your worst major purchase mine is a 2019 mazda3

g2morrow wrote:
Fri Jun 21, 2019 12:21 pm
wife wanted a hot tub - what a waste - I don't think shes been in it for a year.
She told you she'd be in the hot tub for a year?
Very dehydrating.
by arsenalfan
Sat Jun 08, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9656

Re: Do you carry Umbrella Insurance?

Yes, 100% of NW.
Risks are 7 rental properties, teenage drivers, probably lots of other unknowns.
Had to call and list the properties that the firm wasn't insuring already.
It is very cheap, and like all insurance hope to never use it.
by arsenalfan
Mon Jun 03, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2608

Re: Recommend a small inexpensive laser printer?

Another cheap Brother Laser user here. The WiFi cloud setup is easy, print from any iPad, phone, iMac, macbook effortlessly. It really works as advertised. This, and the iOs note app that lets you use the iPhone a a scanner, has really streamlined my paperless office. Still use a Fujitsu SnapScan fo...
by arsenalfan
Sat Jun 01, 2019 2:13 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39174

Re: For those who earn $500k+ per year. How'd you do that?

2 MD couple.
Started investing in passive income so could be W2 optional by 50.
Thank you Bogleheads, bigger pockets, venture capital investing in buying out doctors, and ambulatory surgery centers.
by arsenalfan
Fri May 31, 2019 10:47 pm
Forum: Personal Investments
Topic: What percent of your assets do you have in investment property (excluding your personal residence)?
Replies: 73
Views: 3280

Re: What percent of your assets do you have in investment property (excluding your personal residence)?

Counting rental property in net worth is tricky. I calculate it as the net take home after a sale now, any loan payback, tax depreciation payback, and gains taxes. Done that way, 6% of our NW is in real estate. Caveat being, our plan is not to sell, and when paid off in 7 years it will generate 8k p...
by arsenalfan
Thu May 09, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: where to keep "extra" money?
Replies: 19
Views: 2276

Re: where to keep "extra" money?

Follow what is in your investment policy statement for Windfalls.

For us that is 1/3 towards mortgage prepay, 2/3 towards taxable allocation. YMMV.
by arsenalfan
Tue Apr 09, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8667

Re: Financial solicitation by my doctor

Medicine is a business. Look at all the VC firms buying physician practices. Look at all the big name academic centers leveraging their names by buying private practices. Look at united healthcare stock. Look at VHT. Welcome to America! Why do you think doctors are the best targets for financial adv...
by arsenalfan
Sun Apr 07, 2019 7:52 pm
Forum: Personal Investments
Topic: Potential 2019 recession: Thoughts and course of action
Replies: 28
Views: 2757

Re: Potential 2019 recession: Thoughts and course of action

I started my investing career in 2007 when I finished medical training. I had a 6 month emergency fund and then put away as much as possible every month in my 401k in the SP500. There were a lot more scary articles at that time. I didn’t have time to read them tbh. Scary articles are always out there.
by arsenalfan
Mon Mar 18, 2019 4:34 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 10848

Re: How to get over a $25K stock market loss?

You are not alone. Make an investing policy statement. https://www.bogleheads.org/wiki/Investment_policy_statement And stick to it. It took me a month to make mine, and I talked it over with my partner extensively. Pulled the trigger on it. Now I spend about 2 hours on my finances per year, rebalanc...
by arsenalfan
Sun Mar 10, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 3927

Re: Three Days in DC

Air & Space, Natural History, National Archives, Newseum, Spy Museum will all interest kids. The rooftop at the W has a great view of The White House and DC skyline. Embassy Row by car is interesting. Last but not least, the Kennedy Center and it’s terrace are great. Grabbing a drink at the W POV b...
by arsenalfan
Sun Mar 10, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 3927

Re: Three Days in DC

Newseum. Costs money but well worth it, less crowded, amazing. Then eat in Penn Quarter (Jaleo Tapas is great). Holocaust Museum and AA museum are great too (I think AA museum releases a batch of tix at 0630 am every day or something). Capitol tour through your represenative/senator office. Walk the...
by arsenalfan
Fri Mar 08, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Serious tax help needed
Replies: 6
Views: 785

Re: Serious tax help needed

Compare your 2018 tax paid with your 2019 tax paid - are they the same? IRS adjusted withholding tables based on new Tax Cut Job Act law. For some, this resulted in less being withheld throughout the year, but overall the same tax being owed as in 2017 if you live in a HCOL area and are impacted by ...
by arsenalfan
Thu Feb 21, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Construction Loan or Cash for New House?
Replies: 6
Views: 594

Re: Construction Loan or Cash for New House?

My experience with construction loan was positive for our custom home. interest only 3% loan for the 12-month construction period, on the amount of principal loaned out. 5 Draws: 50% for land, then 4 sequential draws over the 12 months as construction phases completed. Once home completed, we sold o...
by arsenalfan
Mon Feb 11, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 32631

Re: Smaller tax refunds this year? Clear explanation please

I usually owe around $10k come April 15. This year I owe $30k. Made the same amount. I am paying the same tax overall - I just had $20k less withheld last year. All unintentional - the withholding tables were adjusted for the new tax law. I knew something was up as the surplus kept piling up through...
by arsenalfan
Sat Jan 26, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Fridge replacement
Replies: 8
Views: 902

Re: Fridge replacement

Consider getting a repair quote on the Viking
by arsenalfan
Fri Jan 25, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 45378

Re: What lifestyle creep made you happier?

Totally subjective and YMMV

Housecleaner
Going part-time
Increasing exercise budget (lux gym with better classes/facilities, personal trainer, massage, sports equipment)
Music lessons
Increasing charitable giving
by arsenalfan
Thu Jan 17, 2019 2:17 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4592

Re: How to avoid temptation to buy hot stocks or bitcoin?

I had a fun money acount for this of about 0.3% of my net worth. Wow did it cure the temptation/Fear of Missing Out. The losers have FAR outweighed the winners. I bought VW after dieselgate and sold it at an ok profit. Same with Ford at the government buyout. But the bigger losers have been a biopha...
by arsenalfan
Thu Jan 17, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7817

Re: When would you stop being a Boglehead?

Within set fiscal limits. E.g.
1. Play money account
2. Vegas
by arsenalfan
Thu Jan 17, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 50474

Re: Why are you NOT buying rental properties?

Liquidity. We have a portfolio of properties that cashflow and we are accelerating their payoff period to 6 years - we plan to keep those for cashflow until death or disaster. Selling one would take about 3-6 months, even in a "hot" HCOL market. We also are in numerous syndicated deals, which pay a ...
by arsenalfan
Wed Jan 09, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: What are my options with the current mortgage?
Replies: 35
Views: 2134

Re: What are my options with the current mortgage?

This calculator also is pretty good - it lets you see the amount of time you shave off if you pay extra towards principal. http://www.decisionaide.com/mpcalculators/extrapaymentscalculator/extrapayments1.asp You may want to play around and adjust numbers to set a payoff date for yourself. This forum...
by arsenalfan
Mon Dec 24, 2018 4:42 pm
Forum: Personal Investments
Topic: What do you do with your down payment money?
Replies: 36
Views: 2842

Re: What do you do with your down payment money?

I just kept it in savings account for 2 years, same as what you decided.
by arsenalfan
Thu Dec 13, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5782

Re: Volkswagen Reliability

Another anecdote: born in Mexico GTI 2008, 5k per year now 52k miles. Did the timing chain tensioner repair prophylactically and paid $1600 out of pocket - there is a VW settlement now and waiting to see what funds come back. Apparently a known defect that if not fixed = catastrophic engine failure....
by arsenalfan
Wed Dec 05, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2364

Re: Recommend dish drainer (rack)

https://www.amazon.com/simplehuman-Kitc ... B005Q3VXDY

5 years and going strong. The innards are rusting a little at year 5, but it is great/no impact on function.
by arsenalfan
Tue Dec 04, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4337

Re: Best new Mac/features for 2000-3000

I went to a local MacExperience store - they sell refurb older macs. Son and Dad store, fantastic service. I got an older 15" mac book pro, and 2 27" monitors with a desk mount, a mac wired keyboard and a wireless trackpad. Out the door for about $1300 Laptop for those rare occasions I travel. 2 27"...
by arsenalfan
Thu Nov 29, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1044
Views: 95691

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Ok I found this very helpful, especially the chart below comparing costs of various HSAs. Sorry if everyone already knows about the HSA report card. Fidelity HSA review https://thehsareportcard.com/new-page-1 Further HSA review (inclduing because this is my current HSA and on work autopilot/no hassl...
by arsenalfan
Thu Nov 29, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1044
Views: 95691

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Thanks bOB.
It's kind of a meh tossup for me now that you point out it's $20 lower!
I will have to look at the ER of Further VTSMX vs Fido.
by arsenalfan
Thu Nov 29, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1044
Views: 95691

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Further is the preferred vendor for our BCBS plan, and they cannot direct deposit to Fido HSA. I lump sum from my first paycheck each year. Weighing if its worth the hassle to transfer that $7k ASAP to the Fido account, every year. Leaning towards it, since Further charges $50 a year and you have to...
by arsenalfan
Mon Nov 19, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 2040

Re: New car - aftermarket upgrades vs higher trim

Another vote for all OEM. Odyssey EXL would be my vote. If you really are going to keep it 10+ years, the leather will hold up to kids and dogs just fine. Wife's car has aftermarket leather, and it really has not held up well. Thinner leather, peeling, not as durable. And kids aren't in that car tha...
by arsenalfan
Mon Nov 19, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3966

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

Depends on how you're feeling about being a landlord. If it's ok by you, it is a 7.5% return as RandomGuy points out. That amount being paid towards your mortgage principle is profit (albeit requires the property to hold the value until you sell and realize that profit). If you're not enjoying the l...
by arsenalfan
Sun Nov 18, 2018 6:11 pm
Forum: Personal Investments
Topic: Do you angel invest? If so, how many investments do you typically do?
Replies: 5
Views: 775

Re: Do you angel invest? If so, how many investments do you typically do?

I did one. Very closely monitored/good friends.
Lucky to make it out with my money, and a moderate return, IRR 30%.
I think I would've had more fun spending it on a family vacation TBH.
In the future, I'll probably buy the Tesla rather than angel invest.
YMMV.
by arsenalfan
Sun Oct 28, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3172

Re: Unplugging from Tech Tips

Thread makes me feel better. Thanks for all the interesting perspectives and reading tips. I use FB because kids' school parent groups use it for a forum; no one I know uses it much anymore. Instagram I have my family and real friends - we mostly share photos to keep up with each other. Check that o...
by arsenalfan
Sat Oct 27, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3172

Re: Unplugging from Tech Tips

I can't think of any unique tips or tricks to reducing screen time other then removing the tech completely from your life. I've found that to be absolutely true. In particular, I found portability and the always-available aspect to be the problem. My solution was to eliminate the smartphone. I stil...
by arsenalfan
Sat Oct 27, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3172

Re: Unplugging from Tech Tips

It helped that I found a new hobby in gardening. I am one that can spend hours on the computer going down all sorts of rabbit holes and learning about many things. However, I recently listened to a Seth Godin podcast about active learning and passive learning. I can research and learn by joining a ...
by arsenalfan
Sat Oct 27, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3172

Re: Unplugging from Tech Tips

Thanks all for the replies. The iPhone report of screen use really is sobering. You read how they design them to be addicting, and the features/apps with the most distraction/pickups/time spent on screen wins the design = more use = more clicks/likes/$$$. Totally different from the basic cel phone o...
by arsenalfan
Fri Oct 26, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 31372

Re: How many of you have cut the cord?

We canceled Verizon triple play two months ago. We get Verizon FIOS 75/75 for $40 per month and now use Youtube TV which we love. Mainly for watching sports (NHL, NFL, MLB) and the kids watch a few network TV shows. It was a wonderful feeling walking into the local Verizon store and dropping off al...
by arsenalfan
Thu Oct 25, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: USAA homeowner's insurance question
Replies: 12
Views: 970

Re: USAA homeowner's insurance question

Glad it worked out and good question!
by arsenalfan
Thu Oct 25, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3172

Re: Unplugging from Tech Tips

Thanks MrSpock.
by arsenalfan
Thu Oct 25, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3172

Unplugging from Tech Tips

I read so much about how overly connected we are and how it's giving us all ADHD/shorter attention spans/screenager screen addicted kids, etc etc. The new iphone OS update that shows your screen time is really eye-opening (tracks number of pick-ups, total hours per day/weekly average). Inspired by a...
by arsenalfan
Thu Oct 25, 2018 8:28 pm
Forum: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7956

Re: Reaction to Market

I deleted Stocks and Personal Capital app from my phone. I was a lot happier in 2015 before I had both on my phone, and checked accounts every 6 months or so to rebalance. Keep in mind I did not act on anything in the past 3 years while I checked my NW and assets climbing...so to avoid malaise and t...
by arsenalfan
Thu Oct 25, 2018 6:13 pm
Forum: US Chapters
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 2204

Re: Who/what made the helpful culture of Bogleheads?

Moderators. Huge thank you, they quietly enforce decorum, policing the site and ajudicating "flagged" posts. A lot of the personal finance is personal decisions, which can get quite heated - I come back to BH because it's enforced civility makes it much easier to keep an open mind to new ideas and p...
by arsenalfan
Tue Oct 23, 2018 6:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11678
Views: 2011059

Re: U.S. stocks in freefall

Some light reading on Tactical Asset Allocation by our friends @ Vanguard https://personal.vanguard.com/pdf/flgtaa.pdf "Tactical asset allocation (TAA) is a dynamic strategy that actively adjusts a portfolio’s strategic asset allocation (SAA) based on short-term market forecasts.Its objective is to ...
by arsenalfan
Sun Oct 21, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3341

Re: Why Purchase an Automobile using Premium Gasoline?

Not I.
Bought 3 cars that "required" 93 octane+ for best performance.
Have used regular unleaded, just fine, x 10-13 years.
Shhh...don't tell anyone.
by arsenalfan
Sun Oct 21, 2018 5:32 pm
Forum: Personal Investments
Topic: What ETF to keep in a Merrill Edge account for Platinum Honors
Replies: 10
Views: 1142

Re: What ETF to keep in a Merrill Edge account for Platinum Honors

Sounds good to me.
BoA is my primary checking. I keep my "emergency fund" in my state muni bond fund, as well as a state muni bond ladder.
Takes about 2 business days to sell bond fund and put into BoA checking.
by arsenalfan
Sun Oct 21, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: USAA homeowner's insurance question
Replies: 12
Views: 970

Re: USAA homeowner's insurance question

Super helpful DIFAR31.
I never thought to add the other, non-USAA partners, to the Umbrella.
Can you let me know if it costs more to add your other partners? Thanks!