Search found 148 matches

by aj44
Wed Aug 14, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 115
Views: 10498

Re: Apple Card

I tried to sign up for the card today, since it is free and I figured I would give it (and Apple Pay) a try. When I go into the Wallet app on my (updated) iPhone, I am not able to see anything at all about Apple Card. I can only add existing cards of my own. It isn't officially rolled out to everyo...
by aj44
Tue Aug 13, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 115
Views: 10498

Re: Apple Card

I got mine yesterday, the cyber version anyway, physical copy mailed in 6-8 days. The actual card will go in my lockbox, I'll use the virtual version on Apple Pay to get the 3% for any Itunes subscriptions, movie buys and Apple store purchases. The card was easy to setup, the interface is nice but I...
by aj44
Thu May 16, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 7507

Re: Honda CRV or Toyota RAV4 ?

I would go with Toyota over Honda at this point in time, in addition to the other points I just think Toyotas look better. I have a 16 Accord touring that I love and hated the redesign in 18, the latest models of the Camry and RAV4 to me look head over heels better than Honda’s offering.
by aj44
Tue May 14, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3511

Re: Police and Troopers fund.

I have fun with the people calling and say increasingly crazy things until they realize I have wasted their time and they hang up on me.

Juvenile I know but it’s fun.
by aj44
Sat May 11, 2019 1:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 62020

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I decided to move my checking to the Fidelity CMA and the only thing that has taken a lot of time is Vanguard conforming the Fidelity UMB “bank”. Fidelity is now fitting my needs where Vanguard falls short, HSA and a cash management account, if Fidelity ever gets a low cost Total World stock Fund an...
by aj44
Tue Apr 03, 2018 12:15 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 221
Views: 12788

Re: Vanguard Customer Service

I had a marginally complicated trading issue where I contacted a rep for instruction how to proceed and what they told me was not correct. When I called back a supervisor said the rep was correct and they wouldn’t look into it any further. I looked them both up on LinkedIn and even the supervisor di...
by aj44
Tue Apr 03, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 185
Views: 30764

Re: Retire at 55, what's the magic number

My goal is 4 million at 55 based off 1 SS. I would be careful planning on two social securities however, according to ssa.gov if you made it past 21 and turned 65 in 1990, men have a 72% chance of being alive and women an 84% chance. I would have scenarios created for both of you in case the worst h...
by aj44
Sun Mar 04, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 10241

Re: Thinking of getting an Apple Watch

I have two, a series 2 I wear when working out or sleeping, and a series 3 I wear during the day. Comes in very handy at work in meetings where getting my phone out would be frowned upon, I can quickly glance at alerts on the watch without anyone knowing. I also use the fitness tracking and like its...
by aj44
Mon Feb 26, 2018 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 131
Views: 23306

Re: Do you rent even if you can afford to buy?

I could definitely buy but much prefer renting, I doubt I ever own a home again. I love when something breaks I don't have to deal with it. I much prefer the flexibility over owning and have some great amenities in my building including a workout center and BBQ area. I'm single but I do splurge for ...
by aj44
Sun May 14, 2017 9:23 am
Forum: Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 59950

Re: Time to reach 1M and 2M milestones

Should be to 1 mil at 40.
by aj44
Sat Apr 08, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 3883

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

I bought a Honda with CarPlay last year and love it.
by aj44
Mon Mar 20, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: the important asset that many fail to consider in portfolio construction/allocation
Replies: 15
Views: 3908

Re: the important asset that many fail to consider in portfolio construction/allocation

Excellent article, this is something I took into account when deciding to go with 110-age in stock.
by aj44
Sun Mar 19, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 3213

Re: Do you purposely spend with companies in your investment portfolio?

No, even if you were to patron private companies that aren't publically traded odds are they use components or services of companies that are.
by aj44
Sun Mar 19, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 14043

Re: Anyone else taking less risk

I am comfortable with my 120-age in stock asset allocation, the only move towards less risk for me is the 1% more allocation in bonds each year, this year I'm up to 17%
by aj44
Sun Mar 19, 2017 10:28 am
Forum: Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 8725

Re: Am I Addicted [to contribute to my taxable account]

I get a feeling of satisfaction when I make a buy in my taxable account, but I only do it when I have at least 1k. If I did it every time I had an extra $10 I would go mad.
by aj44
Sat Mar 11, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 4650

Re: Cuttting the cable tv negotiation & the scam

I have Playstation Vue and they have Turner Classic Movies with their Core $44.99/month package. I like them because they are a no haggle month to month service and I don't need a box owned by a provider. The Playstation Vue app comes on Sony TV's, Playstation 3/4, Apple TV's, Roku and others.
by aj44
Sun Mar 05, 2017 3:40 pm
Forum: Personal Investments
Topic: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?
Replies: 33
Views: 2949

Re: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?

Turn 37 this year and am 19 years away from retirement. I practice 120-age in stock.

50% Total US Stock
33% Total International Stock
17% US bonds (total or muni depending on account)

Once I get to 50/50 at age 70 I plan to stick with it.
by aj44
Sat Feb 25, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 12313

Re: BH thoughts on Time shares

I don't like to be locked into more things that I have to so they definitely aren't for me. Especially with vacations, I want the freedom to go anywhere. Several years ago I did attend one of the sales pitches to get several hundred off excursions. I stuck to saying I never buy anything without slee...
by aj44
Fri Feb 24, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reports Third Round Of Expense Ratio Reductions Resulting In $143 Million In Cumulative Savings For Investors
Replies: 13
Views: 2709

Re: Vanguard Reports Third Round Of Expense Ratio Reductions Resulting In $143 Million In Cumulative Savings For Investo

This will save me money but...... I wish they would hold the line on lowering expense ratios until they can improve customer service and the online experience. Maybe those improvement are already being paid for but the message I am getting from this is that the executives there have it in their bonu...
by aj44
Thu Feb 23, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: DELETE
Replies: 50
Views: 4918

Re: Another can we afford home thread!

I'll judge, we all pretty much do on message boards and that is partly what they are for. If there weren't analysis and judgement on posts this would be a lot more barren of a message board. I'm with those that say you can afford it on today's income. I also believe you really need to reflect on if ...
by aj44
Mon Feb 13, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Verizon wireless unlimited data plan
Replies: 16
Views: 3951

Re: Verizon wireless unlimited data plan

Same here, they are getting skewered on social media about not offering the usual employer discount with it. Seems like they shot themselves in the foot again from a PR perspective. Employees get it from March 1st Where do you see that? The response I saw from Verizon on Facebook said they won't of...
by aj44
Mon Feb 13, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Verizon wireless unlimited data plan
Replies: 16
Views: 3951

Re: Verizon wireless unlimited data plan

It's an attractive option (especially the included tethering) and I'll be taking a close look. However, according to what I've read online, this plan won't be eligible for employee discounts. If so, then it will be more expensive than my current plan and I'll probably not switch. Yup, I was interes...
by aj44
Sun Feb 12, 2017 11:46 pm
Forum: Investing - Theory, News & General
Topic: Putting entire 401(k) balance in a single fund
Replies: 14
Views: 2655

Re: Putting entire 401(k) balance in a single fund

I do the same thing with my 401k for the same reason. I balance it with my IRA to come up with a three fund portfolio.
by aj44
Sat Jan 28, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 5962

Re: Input on Apple Watch-Buy or Not?

Love my Apple watches , I have a series 1 and 2 so no issues with battery life as one is always ready to go. The series 2 is aluminum with a sport band that I use when I sleep and workout, I use it as a silent alarm, I also use it to track my workouts. The series 1 is stainless steel with a Milanese...
by aj44
Sun Jan 22, 2017 11:07 pm
Forum: Personal Investments
Topic: Advice for limited bond fund options in 401k
Replies: 19
Views: 3820

Re: Advice for limited bond fund options in 401k

I would go with option #4 as well, I do the same thing because my 401k also does not have an appealing bond fund. Does the inability to to take full advantage of growth in that tax-free space frustrate you? Have you thought about I bonds, as suggested by others above? Or tax-exempt funds that I off...
by aj44
Sun Jan 22, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Where to get $100k for home remodel?
Replies: 34
Views: 4810

Re: Where to get $100k for home remodel?

#5 if everything in the home is still functional.
by aj44
Thu Jan 19, 2017 10:36 pm
Forum: Personal Investments
Topic: How to factor pension into asset allocation?
Replies: 18
Views: 3319

Re: How to factor pension into asset allocation?

It really is personal preference when you are determining to use between 100-120 or any other allocation, 120 is just the one I am comfortable with in our circumstance.
by aj44
Thu Jan 19, 2017 10:31 pm
Forum: Personal Investments
Topic: Advice for limited bond fund options in 401k
Replies: 19
Views: 3820

Re: Advice for limited bond fund options in 401k

I would go with option #4 as well, I do the same thing because my 401k also does not have an appealing bond fund.
by aj44
Thu Jan 19, 2017 12:18 am
Forum: US Chapters
Topic: Chicago meeting [- March 27 in Lincoln Park]
Replies: 32
Views: 7825

Re: Chicago meeting [- March 27 in Lincoln Park]

Interested, I'm also in Arlington Heights.
by aj44
Wed Jan 18, 2017 3:07 pm
Forum: Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 4342

Re: Why does Vanguard requires medallion for MM IRA Transfer

It is a pain, my credit union doesn't offer it and the couple of banks around here that would do it require an account. I have only needed it one time and I ended up selling and buying again taking a small tax hit when even Vanguard could not find someone in my area that could do it for me. In my vi...
by aj44
Mon Jan 16, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is the housing market like stocks? When do you think prices fall again?
Replies: 38
Views: 4027

Re: Is the housing market like stocks? When do you think prices fall again?

It absolutely can go down for extended periods of time, my wife lost 80k on her house selling in 2011 (purchased 2007 in Colorado) and I lost 50k on mine selling last week (purchased 2002 in Illinois). We are going to be renting for a long time, it would take a crash like 2008 for us to consider ta...
by aj44
Mon Jan 16, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 333
Views: 80918

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

I was in extreme saver mode until last year when I turned 35. It actually was a bit difficult to loosen up the purse strings after being in saver mode for years. We settled on spending one of our incomes (after 401k max) which enabled me to: Buy top end "normal" brand vehicles (Fully Loaded Honda Ac...
by aj44
Mon Jan 16, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is the housing market like stocks? When do you think prices fall again?
Replies: 38
Views: 4027

Re: Is the housing market like stocks? When do you think prices fall again?

It absolutely can go down for extended periods of time, I lost 50k on mine selling last week (purchased 2002 in Illinois).

I am going to be renting for a long time, it would take a crash like 2008 for me to consider taking on the PITA known as home ownership again.
by aj44
Fri Jan 06, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 37251

Re: Annual Vacation Budget

6k for 2

With the amount of traveling my wife and I do for work we are mostly traveled out when it comes to vacations.

My company will be spending about 22k for me to go to Switzerland biz class 4 times this year.
by aj44
Thu Jan 05, 2017 1:05 am
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 8422

Re: spousal disagreement over how much house to buy

If location is weighted so high have you considered renting? Depending on the local market it may be a better deal than buying and give you the location/space you desire. If you are determined to buy I would go with the cheaper option, 23% is higher than I would want allocated to housing, $800 goes ...
by aj44
Sun Jan 01, 2017 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of upgrading primary residence, do you recommend?
Replies: 29
Views: 2840

Re: Thinking of upgrading primary residence, do you recommend?

I wouldn't suggest it unless your spouse is able to get a job to add to your income. 550k is about 4.5 times your current income which is quite a stretch and will hinder your ability to add to your existing retirement portfolio, heck it may even cause you to have to dip into it to afford the additio...
by aj44
Sun Jan 01, 2017 5:18 pm
Forum: Personal Investments
Topic: What are your portfolio/investments?
Replies: 38
Views: 3996

Re: What are your portfolio/investments?

36

45% Total US Stock
37% Total International Stock
18% Bonds (Muni in taxable, Total US Bond in tax advantaged)
by aj44
Tue Dec 27, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 10480

Re: Remember what it was like before the recession?

Lots of memories of that era: 1. I remember talking with my Dad in 05/06 about how much of a bubble real estate was in and that I should sell my townhome that I had just purchased in 2002. I was too lazy to do so, and now I am selling it in January and still losing 50k. My wife lost 80k selling her ...
by aj44
Tue Dec 27, 2016 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 7585

Re: Is it possible to graduate from college in 3 years?

I graduated at 20 with my bachelors after attending a for profit school year round for 2.8 years. I had a professional level job with a Fortune 500 a month after graduating that also paid for my grad school which I attended part time and graduated at 24. That was 15 years ago, for profits have been ...
by aj44
Wed Dec 21, 2016 2:12 am
Forum: Personal Consumer Issues
Topic: Is it rude to dispose of unwanted gifts?
Replies: 60
Views: 8266

Re: Is it rude to dispose of unwanted gifts?

I told my parents to stop giving me gifts this year, we just moved and it was a major PITA discarding all of the stuff given to me by them over the years that I never used or wanted. I see nothing wrong with firmly telling someone to stop when they have ignored the tactful approach, the rudeness is ...
by aj44
Thu Dec 01, 2016 1:26 am
Forum: Personal Investments
Topic: New Company New (bad) Plan - Suggestions, Please?
Replies: 9
Views: 1223

Re: New Company New (bad) Plan - Suggestions, Please?

I also have my 401k with principal with what sounds like the same less than desired options for a 3-fund portfolio. My company picks up the yearly fee and I invest my entire contribution/match in the Vanguard S&P 500 fund and then balance out my asset allocation with my Vanguard IRA (which contains ...
by aj44
Fri Nov 18, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 14239

Re: Honda Cars

I had an 06 Civic EX with Navi which never had any problems and was enjoyable to drive for an economy car. I bought a 16 Accord Touring about a year ago and love it. The power of the V-6 without needing premium gas is nice and it is very comfortable. The sensing features have all worked without many...
by aj44
Fri Sep 09, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 18040

Re: Who is ready for iphone 7?

Was up at 2am to reserve my new Silver 7 Plus 128 GB, I decided to join the iPhone upgrade program so I can get a new one every year. I use HomeKit/Siri to automate various thing in my house (lights, thermostat, garage, locks, security system, air quality) and pretty much run my work/personal life t...
by aj44
Wed Aug 31, 2016 11:54 pm
Forum: Investing - Theory, News & General
Topic: Deadspin - A Salute to John Bogle
Replies: 16
Views: 3212

Re: Deadspin - A Salute to John Bogle

Look at it this way, this article reaches some people that traditional finance articles don't, this just may cause a few more people to go Vanguard that otherwise wouldn't have, I see it as a good thing that Mr. Bogle is being recognized in multiple forms of media.
by aj44
Wed Aug 24, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - Playstation Vue
Replies: 21
Views: 2748

Re: Cutting the Cord - Playstation Vue

Cut the cord 3 years ago and signed up for Sony Vue a few months ago, I love the service. It comes at the lower rate than cable and I don't even have to sign a contract or call every year to threaten to cancel to get the best rate. I'll be keeping it.
by aj44
Fri Jul 01, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 40763

Re: Where were you financially when you were at 30?

This forum is the cream of the crop of savers and it is motivating for me to try to compete in the big leagues. I was 30 in 2011: 170k household income Debt Free besides mortgage (paid off a year later) Net worth in the 350k range In 2016 260k household income Debt free besides 1 car payment which w...
by aj44
Fri Jun 10, 2016 10:50 am
Forum: Personal Investments
Topic: Anyone else with variable income only able to select % in 401(k)?
Replies: 13
Views: 1483

Re: Anyone else with variable income only able to select % in 401(k)?

I can only select by percentage and agree its a pain in the backside, my wife can select by dollar amount per pay period which lets her set it and forget it at the beginning of the year. I received a variable large bonus in March so at the beginning of the year I guess what my total income will be a...
by aj44
Fri Jun 10, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Best Playstation 4 Games for Beginners?
Replies: 28
Views: 7329

Re: Best Playstation 4 Games for Beginners?

Uncharted 4, seriously one of the best games ever made. There is a storytelling mode which pretty much assures you can't die and it autoaims. Once you beat that, Destiny, this one is more difficult but has the best shooter mechanics of any game I have played and there are several expansion packs. Yo...
by aj44
Wed May 11, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 6705

Re: When do you use cash, when a credit card?

I use a Credit Card anytime it is available and there isn't a fee larger than the cashback.
by aj44
Wed May 04, 2016 7:51 pm
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 93
Views: 15979

Re: Your age in bonds minus ten? Not according to Vanguard

I recently changed from age minus 20 to age minus 15. I originally started with age minus 20 and have been that way for a while, I debated year after year to go to age minus 10 and finally decided to split the difference. That has been the extent of my "tinkering" for a while and I'm totally comfort...