Search found 838 matches

by arsenalfan
Thu Jul 02, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Basic Microphone for Zoom
Replies: 15
Views: 1149

Re: Inexpensive Basic Microphone for Zoom

Yup Airpods.
Was tempted to buy the Yeti Microphone for looks/audio.
Realized I could just buy Airpods or Airpods Pro, and get more utility.
by arsenalfan
Thu Jul 02, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi Advice - seeking lenders
Replies: 7
Views: 537

Re: Mortgage Refi Advice - seeking lenders

Thanks all.
Based on this info, it is conforming.
Went back to SunTrust/Truist.
They have 2.875% 15-year fixed for the 725k remaining.
Inclined to do it, since I am at 3.35% 23-year fixed (started 30 year).
For $500 more per monthly payment, pay about half the interest.
by arsenalfan
Wed Jul 01, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Buying house without realtors
Replies: 78
Views: 4239

Re: Buying house without realtors

I've done 3 of these, no problems. We had sales comps for the area, agreed on a price, then subtratcted 3% from it to share the 6% realtor fees. Just get a get a good inspector/general contractor paid by buyer, to look over the property. And make a list of all repairs. Real estate Attorney - really ...
by arsenalfan
Tue Jun 30, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi Advice - seeking lenders
Replies: 7
Views: 537

Re: Mortgage Refi Advice - seeking lenders

SunTrust "Truist" is my current carrier. No reply from my guy.

Yeah didn't want to hijack the Refinance Mega Thread. Not sure if I'm conforming at 730k in my VHCOL metro DC area, and if I'm comparing apples to apples. LenderFI seemed to be the winner.
by arsenalfan
Tue Jun 30, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi Advice - seeking lenders
Replies: 7
Views: 537

Mortgage Refi Advice - seeking lenders

Do I refinance, and with whom?

Suburban DC, 2MM home, 730k left on mortgage. In year 7 of 30 year fixed 3.35% loan. PITI is about $6k per month, which is 3k to principle.

The FHA and GSE conforming limit in my VHOCL county is $765k, so I think this is not a Jumbo loan?

Thanks in advance.
by arsenalfan
Tue Jun 30, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: My next move: 1 M in gold and 1 M in Zoom
Replies: 75
Views: 3850

Re: My next move: 1 M in gold and 1 M in Zoom

These are educational for all, please do post the trade execution data (date, investment vehicle, amount). Your Alphabet and Amazon trades were great indeed, if you actually did them in Sept 2018. Personally I have no need to take that much risk to get to my end goals, but it is highly educational t...
by arsenalfan
Tue Jun 23, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Real estate syndicates: Talk me into (or out of) it
Replies: 21
Views: 1841

Re: Real estate syndicates: Talk me into (or out of) it

I do primary real estate, and have been curious about a lot of syndications. Most I've gotten through email are garbage. I did get a great one from a friend of the family for a Brooklyn development near Barclays Center, proven track record, etc etc, and felt I missed the boat on that one ($250k to p...
by arsenalfan
Tue Jun 23, 2020 5:56 am
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 160
Views: 9495

Re: New construction house - what to consider?

Internet rife with lists for this. We built 7 years ago, here's our list 1. Larger garages - original one was drafted to fit 2 minivans. We asked for it to fit 2 huge SUV, and then add room for storage shelves. It is GREAT - while we have "just" a minivan, plenty of space around it for kids, kids bi...
by arsenalfan
Wed Jun 17, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: EIDL - Economic Injury Disaster Loan
Replies: 26
Views: 2368

Re: EIDL - Economic Injury Disaster Loan

Seems the backlog is clearing slowly. Got 51k EIDL for one real estate LLC - took it since properties in VHCOL high demand university area has vacancies for first time due to Covid. For another real estate LLC I have asked what we wanted between 1k-108k. Inclined to take all 108k since these are bea...
by arsenalfan
Mon Jun 15, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 35779

Re: Car Dealers not really wanting to make a deal

I look forward to how the Rav4 Prime is received. We pulled out $250k in Jan 2020 since we have 3 aging cars to replace and some mortgage to pay down. Covid happened, and I plowed $100k back into the market in March, and am keeping the other $150k in cash since I invest in primary real estate. I dr...
by arsenalfan
Mon Jun 01, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 35779

Re: Car Dealers not really wanting to make a deal

I am RAV4 Prime curious. What's your guesstimate for OTD price? And what is the fed credit expected to be - $7500? Not sure how far Toyota is to 200k ecars I read somewhere $37XXX to start but can't find the source and it almost certainly wasn't official information, as there would be a Toyota pres...
by arsenalfan
Mon Jun 01, 2020 5:32 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6413

Re: Healthcare post COVID-19

Curious to see the outcome of the ambulatory surgery center model. I'm 90% all ASC anesthesia, and we went to 50% work (no electives, just urgent ortho injuries like fractures/tears). But now, our cups runneth over as everyone wants their total joints done at an ASC and not at a covid-ridden hospita...
by arsenalfan
Thu May 28, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 116136

Re: Why are you NOT buying rental properties?

I have rentals. I have a 9-5. Rentals are a good diversifier, but not a huge panacea. Most BH are LBYM save and invest. Most RE BiggerPockets/FIRE/etc are leverage leverage leverage ("I got 40 doors in 40 months!"). In between are the folks quietly dabbling in accidental or intentional landlording. ...
by arsenalfan
Thu May 21, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Please recommend a comfortable sofa bed
Replies: 19
Views: 1070

Re: Please recommend a comfortable sofa bed

We have a fold-out sofa bed with the mattress, and an inflatable mattress topper. We have something similar to this, but it was from Room & Board. https://www.crateandbarrel.com/willow-full-sleeper-sofa-with-air-mattress/s235826?oc=1,333 Not cheap, but I could use it as my primary mattress, it is th...
by arsenalfan
Wed May 06, 2020 8:09 pm
Forum: Personal Investments
Topic: Please help me get out of international
Replies: 64
Views: 3495

Re: Please help me get out of international

I empathize totally. I had 16% in international originally, and it has sucked. Let it ride, and invest new monies in Bond/SP500. Or, if you have some reason to take gains (beef up emergency fund, rebalance out of high-flying SP500) then sell International to tax loss harvest and offset. I sold a bun...
by arsenalfan
Tue May 05, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1333

Re: Plunger reccomendation for newer toilets

Consider the Oxo plunger/scrub brush combo. Store nicely, work well, Oxo sells the individual replacements.

We also keep an auger in the garage in a trash bag.
by arsenalfan
Mon Apr 27, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying a big long mortgage
Replies: 96
Views: 6793

Re: Carrying a big long mortgage

Glancing at article: 3-5 works so long as you itemize. 10 works if you've stretched or live in a HCOL area, where paying off would otherwise make you "house-poor" (no other savings other than home equity). Pay off house vs invest is a routine BH question. Less often is the "mortgage as a negative bo...
by arsenalfan
Wed Apr 22, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: Who has changed FROM the 3 Fund Portfolio?
Replies: 28
Views: 2196

Re: Who has changed FROM the 3 Fund Portfolio?

I have stopped with international. Bookmark this thread, and lmk how I did 10 years from now. It was 20% of my equity portion (16% of my portfolio) Due to poor performance it shrank over 10 years, and I TLH it in 2020. Putting no new money into it. I looked at the performance, and decide to leave th...
by arsenalfan
Tue Apr 21, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 35779

Re: Car Dealers not really wanting to make a deal

I am RAV4 Prime curious. What's your guesstimate for OTD price? And what is the fed credit expected to be - $7500? Not sure how far Toyota is to 200k ecars I read somewhere $37XXX to start but can't find the source and it almost certainly wasn't official information, as there would be a Toyota pres...
by arsenalfan
Tue Apr 21, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: steam shower recommendations
Replies: 10
Views: 496

Re: steam shower recommendations

We have steammist in a new build. Been fine, no maintenace x 7 years. Partner loves it, particularly during cold winters Consider: 1. Bench in steam shower (wood or heated tile) if you want to sit 2. Light and fan in steam shower 3. Timer switch for fan, to help evac steam when done 4. Consider a ve...
by arsenalfan
Mon Apr 20, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 35779

Re: Car Dealers not really wanting to make a deal

I am RAV4 Prime curious.
What's your guesstimate for OTD price?
And what is the fed credit expected to be - $7500? Not sure how far Toyota is to 200k ecars
by arsenalfan
Mon Apr 20, 2020 7:16 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8401

Re: Frugal quarantine habits to keep

Also now doing the post office online and having them pickup packages from my front door. No need to go to the post office. How do you pay for it? Where do you get the postage? Do you attach a check? USPS online is AMAZING. I discovered it a few Christmas's ago - never needed to go to PO, ever. 1. ...
by arsenalfan
Sat Apr 18, 2020 5:58 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5763

Re: Should I buy a new rice cooker from Zojirushi?

If you were looking at it, consider the instantpot. Google Zojirushi vs Instantpot. Here's one https://thetakeout.com/recipe-how-to-make-rice-in-instant-pot-1831442802 Grew up eating rice daily, now prob once per week. Was totally surprised instantpot made great rice. What's better is that you can ...
by arsenalfan
Sat Apr 18, 2020 4:59 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5763

Re: Should I buy a new rice cooker from Zojirushi?

If you were looking at it, consider the instantpot. Google Zojirushi vs Instantpot. Here's one https://thetakeout.com/recipe-how-to-make-rice-in-instant-pot-1831442802 Grew up eating rice daily, now prob once per week. Was totally surprised instantpot made great rice. What's better is that you can g...
by arsenalfan
Fri Apr 17, 2020 3:12 pm
Forum: Investing - Theory, News & General
Topic: Crisis Lessons (My list)
Replies: 50
Views: 4522

Re: Crisis Lessons (My list)

I will play 1. Minimum 12 month emergency fund cash. 2. Learn basic skills you may be outsourcing in fatter times (cooking, cleaning, haircuts (human beings and pets), gardening). 3. Back to basics fitness: running, cycling, body weight exercises. 90d Peloton free is great. 4. Entertaining/relaxing ...
by arsenalfan
Fri Apr 17, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: I am feeling forced to buy into this market
Replies: 55
Views: 6193

Re: I am feeling forced to buy into this market

I completely empathize. I have been taking an active interest in my personal finances for only 7 years, and for my investing of funds needed in 10+ years I have learned toDCA via auto-invest (Vanguard is great for this) and not pay attention. This is most of the advice you'll get at BH, and I feel i...
by arsenalfan
Wed Apr 15, 2020 9:05 pm
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3360

Re: Do most Bogleheads TLH?

PPS here's a question: If I TLH $43,000 in losses, can I carry that forward and, say, offset $43,000 in cap gains in 2024? No, but you can carry most of it forward to 2024. Each year until 2024, 3000 of it will be used to reduce ordinary income. That is even better than long term capital gains redu...
by arsenalfan
Wed Apr 15, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16561

Re: What percentage of your paycheck do you invest?

You'll drive yourself crazy comparing.
by arsenalfan
Wed Apr 15, 2020 3:55 pm
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3360

Re: Do most Bogleheads TLH?

Assuming you've filled up all the other "buckets" in order and find yourself with an aftertax investing account, TLH in aftertax is rational. I never appreciated TLH until this year (not having had a huge opportunity to TLH in the bull market). At end of Jan 2020 I sold a bunch of US stocks. This wa...
by arsenalfan
Wed Apr 15, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Convince me - for or against bigger home
Replies: 92
Views: 5500

Re: Convince me - for or against bigger home

Consider a Murphy bed for the prayer room, or a nice sofa bed.

We have a 2nd floor bedroom we use for yoga/reading.

5-6 times per year we have weekend visitors, and we just pull down the Murphy bed from the wall.
by arsenalfan
Mon Apr 13, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Delay mortgage payments under CARES Act
Replies: 73
Views: 4916

Re: Delay mortgage payments under CARES Act

Agree with the others. For primary or rental RE mortgage cashflow ok, no need.

Only situation I can imagine taking forbearances is if you need to beef up emergency fund.
by arsenalfan
Fri Apr 10, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 355
Views: 28349

Re: just got my $1200 stimulus payment

just checked my bank acct because I heard the stimulus payments could be as early as today. Sure enough $1200 dumped in savings. Not sure how to make this actionable other than to say I plan to invest it. anyone else get theirs today? No, not here. I make way too much to qualify. I am happy to hear...
by arsenalfan
Fri Apr 10, 2020 6:15 pm
Forum: Personal Investments
Topic: TLH and rethinking international
Replies: 15
Views: 773

Re: TLH and rethinking international

I appreciate all the perspectives. I'm glad Jack Bogle mirrors my research and says no need for International. Nice to know! I'd keep my 15% international if I needed my equities to perform more than 3% real per year. Diversification and Callan tables, etc etc. I'll keep it at 8% and let it ride for...
by arsenalfan
Fri Apr 10, 2020 11:08 am
Forum: Personal Investments
Topic: TLH and rethinking international
Replies: 15
Views: 773

Re: TLH and rethinking international

Thanks guys
going to go ahead and ditch international.
by arsenalfan
Fri Apr 10, 2020 7:15 am
Forum: Personal Investments
Topic: TLH and rethinking international
Replies: 15
Views: 773

TLH and rethinking international

Sold some stock in Jan to buy some cars/pay off debt. Cap gains $40k. TLH now, generating $43k losses - almost all from sales of international. Those positions had the largest losses. 1. This will mean I pay no cap gains on the Jan profit taking, right? Rookie question, just verifying. 2. IPS AA say...
by arsenalfan
Wed Apr 01, 2020 2:05 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52393

Re: How Is Your Job Being Impacted By The Current Crisis?

Minimal elective surgeries so 80% of anesthesiologists are not needed in ORs. Shelter in place, then 1 day in 5 you head into the hospital and don PAPRs for Covid+/PUI intubations and cases. As it peaks in your area, you can volunteer to be put on rosters to backup the ICU docs, in case they are ove...
by arsenalfan
Wed Mar 18, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11453

Re: How much cash to have during coronavirus panic?

Emergency Fund: 6 months in cash in checking.
Cash in home: varies between 1000-2000 , in 20s 5s and 1s. Handy to have.
by arsenalfan
Sat Mar 14, 2020 7:12 pm
Forum: Personal Investments
Topic: My dad says I should pull out of the market before "they" steal it all
Replies: 113
Views: 8296

Re: My dad says I should pull out of the market before "they" steal it all

He suggested saving more into CDs, FDIC savings accounts, etc. I must admit that he has me thinking, with the recent volatility, but I should resist the advice and stay the course, eh? If you can get there in 20 years with CD and Savings Account rates, then your dad is right. If you cannot, then yo...
by arsenalfan
Sat Mar 14, 2020 6:57 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4000
Views: 304725

Re: Coronavirus and the market

Sold my company recently and am prepping to get the proceeds into the market. Lump sum? Dca? Mattress?? IIRC the studies say lump sum is best. I am going to DCA since it's such a crazy ride. I had pulled out $250k at the end of Jan to pay off some rental properties that were on 5 year ARMS and were...
by arsenalfan
Sat Mar 14, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Pandemic, economy and buying big ticket items
Replies: 29
Views: 2920

Re: Pandemic, economy and buying big ticket items

Rental real estate - if the price is right.
Private shares of my ambulatory surgery center - several about-to-retire partners already have said they'll be selling a year or 2 earlier than anticipated to free up their cashflow/not have to sell equities at this time.
by arsenalfan
Wed Mar 11, 2020 8:10 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50536

Re: Who's buying today? where's all the "dry powder" folks at? :)

I’m tempted.

I sold about $250k at end of January since we need to potentially upgrade 3 cars this year (all are 10+ years) and it seemed a good time to cash in and pay down some rental property debt.

Then a 20% correction hits.

Tempted to take 150k and buy 15k vtsax each week.
by arsenalfan
Sat Mar 07, 2020 2:34 pm
Forum: Personal Investments
Topic: I got lucky, now what?
Replies: 46
Views: 4421

Re: I got lucky, now what?

I'd DCA over the next 4 months. You need the money in 15 years, won't matter much - get back in.
by arsenalfan
Fri Feb 28, 2020 5:26 pm
Forum: Investing - Theory, News & General
Topic: The most valuable lesson in your investment career?
Replies: 87
Views: 4752

Re: The most valuable lesson in your investment career?

Spend less than your net pay. The more, the sooner FI. Set goals/time horizons for your money and invest accordingly (529s needed in X years, retirement after 67yo accounts needed in Y years, early retirement accounts needed in Z years). Make a goal of saving and investing X% or more each year, and ...
by arsenalfan
Fri Feb 28, 2020 5:52 am
Forum: Personal Investments
Topic: N95 masks and APT stocks
Replies: 21
Views: 1722

Re: N95 masks and APT stocks

I treat individual stocks like what they are - gambling on hunches. So I do what I do when I play poker. When I've won big, I take my initial stake off the table. Then if I lose the remainder, then at least it was a fun ride that cost $0! N95 masks will not be in vogue when Coronavirus runs its cour...
by arsenalfan
Sun Feb 23, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6720

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

Move to where functional/helpful extended family is, and where both parents will be happy.
Family ain't happy if mom and dad ain't happy.
Consider renting for a while to figure out where our social network is, and your jobs/commutes are set/optimized.
IMHO I think you can move anytime until 8th grade.
by arsenalfan
Sun Feb 16, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't everyone own a home as a business and rent elsewhere?
Replies: 57
Views: 7323

Re: Why doesn't everyone own a home as a business and rent elsewhere?

You're assuming you'd qualify as a real estate professional, and could take the RE depreciation/business expenses as active losses against your income. To meet IRS designation as a "Real Estate Professional" you'd have to spend the majority f your professional time conducting real estate, at least 7...
by arsenalfan
Tue Feb 11, 2020 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Having a baby in April 2020 - Whats your best financial advice for a new parent
Replies: 102
Views: 8184

Re: Having a baby in April 2020 - Whats your best financial advice for a new parent

Kids grow fast, and they change like lightening. Borrow or buy second hand as much as possible. This. Avoid the need to buy new/new/new!! Put the $$ in term life and/or your IPS (consider a new 529). The baby industrial complex is similar to the wedding industrial complex. It's crazy. Our first bab...
by arsenalfan
Sun Feb 09, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up i401k to rollover old 401k and Roth 401k
Replies: 2
Views: 157

Re: Setting up i401k to rollover old 401k and Roth 401k

Thanks!

I'm not thrilled with my current employer 401k online interface/options, and would rather keep everything at Fido. Hence the PITA step of setting up an i401k.
by arsenalfan
Sun Feb 09, 2020 12:58 pm
Forum: Personal Investments
Topic: Did i mess up by paying AF 5% load
Replies: 22
Views: 1683

Re: Did i mess up by paying AF 5% load

Yes, but as others have said don't feel bad about it.
Most important thing is to wake up, stop drinking the kool-aid, and educate yourself.
I caught onto it after 5 years of investing - so you're ahead of me!