Search found 150 matches

by macheta
Sun Oct 13, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Anyone switch from a big phone to a small one?
Replies: 8
Views: 828

Re: Anyone switch from a big phone to a small one?

I went from an Iphone Six to Iphone SE. I purchased an iPhone 11 for my wife and took her SE. The benefits of the SE is the small phone size and it uses IOS 13 unlike the iPhone 6. The phone's battery on the SE is not very large so I had to get a fresh battery and I also had to apply battery saving ...
by macheta
Fri Oct 04, 2019 9:02 pm
Forum: Personal Investments
Topic: Lump sum vs Pension
Replies: 20
Views: 2125

Re: Lump sum vs Pension

vineviz wrote:
Fri Oct 04, 2019 8:13 pm
rando! wrote:
Thu Oct 03, 2019 9:27 pm
...
.... no one at age 41 knows how long they will live....
Surely you can make an estimate. I would take the medium age M/F in the country and use that as a baseline. Update the estimate based on your health situation today or risk which runs in the family.
by macheta
Thu Oct 03, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 8179

Re: Recourse for "Stolen" Money

Report it to the police, learn your lesson and move on.
by macheta
Sat Sep 28, 2019 3:56 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard: Free wire!
Replies: 22
Views: 2194

Re: Fidelity vs Vanguard: Free wire!

as best I can recall, VG Flagship customers are not charged for wire transfers. I'd have to do a lot of WTs to make this a consideration. Both are fine firms but WT fees would not be a major consideration for me. I regularly make ACH transfers. I actually prefer that my checking account (which typi...
by macheta
Sat Sep 28, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3599

Re: Should I sell my BMW

sk2101 wrote:
Fri Sep 27, 2019 1:49 pm
I would wait until the BMW starts to break to get another car. At 33k miles its too early. Keep driving it for now, transactions costs are high.
This is really good advise. I agree with this statement.
by macheta
Mon Sep 02, 2019 11:51 am
Forum: Personal Investments
Topic: How to value pension as a benefit when comparing jobs
Replies: 24
Views: 2404

Re: How to value pension as a benefit when comparing jobs

My wife has a defined benefit through her government job. The job does not take any amount out for her social security. The defined benefit plan is not as flexible as the 403B plan. The pension is 75% funded which seems low. How much is the pension funded?
by macheta
Sat Jul 13, 2019 2:57 pm
Forum: Personal Investments
Topic: OH no, ANOTHER "Should I pay off my Mortgage with Taxable acct" question, with a bit of a twist?
Replies: 40
Views: 4450

Re: OH no, ANOTHER "Should I pay off my Mortgage with Taxable acct" question, with a bit of a twist?

I wouldn't shift the assets based on my mortgage strategy. I would base it on how much risk and expected returns you are willing to accept. In a strong bull market, I would shift it towards equity and do the opposite in a bear market. I am about 13 years away from retirement and do not plan to shift...
by macheta
Sat Jul 13, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 30909

Re: Americans believe they need $1.7 million, on average, to retire

Seems kind of high considering the median household income in the United States is $56,516 (according to 2015 data from the U.S. Census). If I retire at 65, living off SS and retirement, I figured the number was around 600,000.
by macheta
Sat Jul 13, 2019 10:28 am
Forum: Personal Investments
Topic: OH no, ANOTHER "Should I pay off my Mortgage with Taxable acct" question, with a bit of a twist?
Replies: 40
Views: 4450

Re: OH no, ANOTHER "Should I pay off my Mortgage with Taxable acct" question, with a bit of a twist?

The decision to pay off the mortgage or not really comes down to your own goals. Do you want to have no mortgage with a smaller bank account or a mortgage with a larger bank account? Deciding to invest the money instead of paying off the house will give you the ability to make considerably more on a...
by macheta
Wed Jul 10, 2019 6:13 am
Forum: Personal Consumer Issues
Topic: Wize Cam reviews
Replies: 23
Views: 2035

Re: Wize Cam reviews

I have been using there products for about three years and highly recommend there products. They purchase the cameras in bulk from a company in china which is the reason for the cheap prices. They work flawlessly and are reliable. The software is updated routinely. I'm amazed on how much better they...
by macheta
Sun Jul 07, 2019 9:27 am
Forum: Personal Investments
Topic: Lump Sum pension -Investment
Replies: 8
Views: 577

Re: Lump Sum pension -Investment

How much is the pension funded?``
by macheta
Sat Jul 06, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Question
Replies: 2
Views: 489

Re: Pension Question

What are your plans when you leave the company? Do you plan to take a new job and work for years to come or not? I assume that you are as it is unlikely that you could fund a retirement with the current assets. If you do plan to keep working I would likely take the cash and make it a part of your a...
by macheta
Sat Jul 06, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Question
Replies: 2
Views: 489

Pension Question

Hi, I plan to be at my company for a couple more years (2-5) and I'm current 40. My wife is 37. I'm expecting to pay my house off in two years. The DW and I have about 500k in retirement accounts. The pension is funded at 101% and 87% with adjusted interest rates. I was interested in cashing out the...
by macheta
Thu Jul 04, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1147
Views: 322906

Re: Share your net worth progression

mmp wrote:
Thu Jul 04, 2019 7:39 pm
Haven't told other folks IRL, so here we go. Hit a milestone this month given market highs. Numbers below don't include home equity.

Jan 2011 - 550k
Jan 2013 - 1M
Jan 2016 - 2M
Jan 2017 - 2.7M
Jan 2018 - 4M
Jan 2019 - 4M
today - 5M
2011 was a good year to have 550k net worth.
by macheta
Tue Jun 18, 2019 12:16 am
Forum: Investing - Theory, News & General
Topic: A thought on mortgage payoff vs investing
Replies: 27
Views: 3367

Re: A thought on mortgage payoff vs investing

I recently paid 25% off my mortgage using a lump sum payment. It was money not associated with my retirement accounts. I feel good with my current balances on my retirement accounts and I figured I would cut about sixty bucks per month off on interest by paying down the morgage. Another way to look ...
by macheta
Mon May 27, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2484

Re: Should I replace my AC?

I had replaced my 20 year old AC unit with a generic brand. You can see the before and after energy savings on the link below. I'm glad I went ahead with replacement. I was starting to have a lot of problems with my AC and it feels good the unit was replaced.

https://imgur.com/Cb0jGqN
by macheta
Sun Mar 24, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2754

Re: DirecTv Now changes

SagaciousTraveler wrote:
Sun Mar 24, 2019 6:25 am
macheta wrote:
Sat Mar 23, 2019 8:55 pm
Blerd Vision Now
400+ channels for $30 per month

This can’t possibly be legal.

This feels like a version of those cable boxes you pay a one time fee for every possible pirated channel.

Also the lack of information on it is a red flag.

Seems to be legit
by macheta
Sat Mar 23, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2754

Re: DirecTv Now changes

Blerd Vision Now
400+ channels for $30 per month
by macheta
Sun Mar 10, 2019 4:50 am
Forum: US Chapters
Topic: Arizona Chapter
Replies: 118
Views: 18347

Re: Arizona Chapter

I'm in
by macheta
Sat Mar 09, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Questions about drones
Replies: 15
Views: 1452

Re: Questions about drones

I'm on my second flight in two weeks. I can't wait to fly next week. I am flying an already made plane and these are more challenging to fly. Currently just doing circles and figure eights. My plane was $90 and my remote was about $25. The market for drones is expected to be big so wouldn't expect a...
by macheta
Sun Jan 20, 2019 12:15 am
Forum: Personal Consumer Issues
Topic: Zero Gravity Chairs
Replies: 8
Views: 1241

Re: Zero Gravity Chairs

I found a relax the back zero gravity chair used. The chair looked brand new condition for about 200 on craigslist. I spent a couple months looking.
by macheta
Wed Jan 16, 2019 7:53 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58150

Re: John Bogle is dead at 89

Here is a quote about John Bogle I thought was nice.

"If a statue is ever erected to honor the person who has done the most for American investors, the hands-down choice should be Jack Bogle," Warren Buffett wrote in 2017.
by macheta
Wed Jan 02, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 9159

Re: Your ideal home size

My ideal place is almost what I currently have. My wife and I live in a condo 1020 sf. Two bedroom and on the second floor. I wish we had a garage for projects.
by macheta
Tue Jan 01, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21971

Re: Favorite Purchase of 2018?

I purchased two new mattresses on amazon on black friday. I saved 25% and feel great in the morning.
by macheta
Fri Dec 28, 2018 8:56 pm
Forum: Personal Investments
Topic: Is this annuity a good deal?
Replies: 15
Views: 2293

Re: Is this annuity a good deal?

That's an amazingly great deal for an annuity. That monthly amount is normal for an SPIA that is fixed for life. The 3% bump each year is basically *free*. That's awesome. I don't now how they can afford to give you that. (Well, they basically don't want to give you a lump sum for some reason, beca...
by macheta
Sat Sep 29, 2018 10:39 pm
Forum: Personal Investments
Topic: mega backdoor roth - question about tax on earnings
Replies: 25
Views: 1718

Re: mega backdoor roth - question about tax on earnings

What about if the funds are needed before 59.5 and they have been in the Ira for at least five years. The 100s is taxed just like a contribution.. Correct?
by macheta
Mon Sep 10, 2018 9:35 pm
Forum: Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2218

Re: Transfer Question

Yes there is money in there now. I did the transfer from an after tax 401k. Just for clarity, I assume you mean the after-tax account, not the Roth 401k account. I also assume this is your only Roth IRA and that is the only money in it. Let's say you put $10,000 into the after-tax account and it gr...
by macheta
Mon Sep 10, 2018 8:37 pm
Forum: Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2218

Re: Transfer Question

Yes there is money in there now. I did the transfer from an after tax 401k. Just for clarity, I assume you mean the after-tax account, not the Roth 401k account. I also assume this is your only Roth IRA and that is the only money in it. Let's say you put $10,000 into the after-tax account and it gr...
by macheta
Mon Sep 10, 2018 11:26 am
Forum: Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2218

Re: Transfer Question

Yes there is money in there now. I did the transfer from an after tax 401k.
by macheta
Mon Sep 10, 2018 10:47 am
Forum: Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2218

Re: Transfer Question

If you rollover funds to an IRA, whether taxable or ROTH, the funds don't change their composition. In other words, if 80% of your funds are contributions and 20% are earnings, that mix stays the same when they are rolled over. So, a rollover of a ROTH 401K to a ROTH IRA of $8,000 in contributions ...
by macheta
Mon Sep 10, 2018 10:27 am
Forum: Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2218

Re: Transfer Question

I want to know if I can with drawl it early without penalty.
by macheta
Mon Sep 10, 2018 8:46 am
Forum: Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2218

Re: Transfer Question

Regarding a Roth Ira, is a rollover considered earnings or contributions? Thanks
by macheta
Sat Sep 08, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7391

Re: Cell phone tip: block callers

The robot callers use the same numbers about three or four times before switching numbers. I just started using truecaller app. The app keeps an updated spam number list. You will need to open the app every couple of days to see if the phone list has been updated. Also important to note any caller ...
by macheta
Sat Sep 08, 2018 5:46 pm
Forum: Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2218

Transfer Question

Hi - Is it possible to do a yearly transfer from my after tax 401k to my roth IRA? I feel pretty comfortable with my savings right now for retirement. I would like to switch over to savings to retire early. They indicated I could not just pull out the roth 401k contributions according to my company ...
by macheta
Sun Jul 22, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3915

Re: Where do you buy CPAP replacement parts?

It might not be true but I've purchased three over the last three years on ebay. No problems on my side. If they were all for your personal use, I can see a problem in that they should last much longer than a year. Mine last around a decade, or at least that’s how long it is before the machines are...
by macheta
Sun Jul 22, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7391

Re: Cell phone tip: block callers

The robot callers use the same numbers about three or four times before switching numbers. I just started using truecaller app. The app keeps an updated spam number list. You will need to open the app every couple of days to see if the phone list has been updated. Also important to note any caller n...
by macheta
Sat Jul 21, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3915

Re: Where do you buy CPAP replacement parts?

It might not be true but I've purchased three over the last three years on ebay. No problems on my side.
by macheta
Sat Jul 21, 2018 9:11 am
Forum: Personal Investments
Topic: Pension Lump Sum: Short-term bonds?
Replies: 37
Views: 2333

Re: Pension Lump Sum: Short-term bonds?

I'm in the same boat sort of. I'm getting ready to take a lump sum. What are your thoughts on investing in the following: "... VTAPX (inflation-protected short-term), GLD, VBIRX (short-term t-notes), VMLUX (muni national short-term), VFIDX (corp short/intermediate 6 yr avg), VTABX (world bond long)....
by macheta
Sat Jul 21, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3915

Re: Where do you buy CPAP replacement parts?

CPAP.com. They often have discounts not advertised, and you have to call in and ask for the discount to be applied. They also have seasonal and quarterly 15% discounts or so. Don't need a prescription on file to order basic replacement parts, but if your doc faxes them a prescription, you can buy n...
by macheta
Sat Jul 21, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3915

Re: Where do you buy CPAP replacement parts?

I started out buying on ebay and amazon. Now I just purchase from cpap.com. The only exception is the wipes. I purchase this from amazon. I buy the Pampers Natural Clean Unscented Water Baby Wipes 3X Refill Packs, 216 Count. Its the same thing as the CPAP wipes but you save a ton of money.
by macheta
Sun Jul 15, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: 14 years with Bogleheads
Replies: 13
Views: 2230

Re: 14 years with Bogleheads

great job! I wish I found this forum a lot sooner.
by macheta
Sat Jun 16, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with smart home and home security? What to buy and how?
Replies: 5
Views: 935

Re: Anyone familiar with smart home and home security? What to buy and how?

I've used a similar security alarm service for the last four years. I really like it and it saved me a ton of money. If you go with the internet security system make sure you get backup power for your alarm and router/modem. The internet will still work when the power goes out.
by macheta
Mon May 14, 2018 1:34 pm
Forum: US Chapters
Topic: Arizona Chapter
Replies: 118
Views: 18347

Re: Arizona Chapter

I'm in!
by macheta
Sun Apr 22, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Free Channels on Apple TV without Cable Subscription
Replies: 18
Views: 2104

Re: Free Channels on Apple TV without Cable Subscription

You can watch Bloomberg for free on the Fidelity Phone App. I don't have Apple TV as an option.
by macheta
Mon Apr 16, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 134242

Re: To take or not to take delivery of Tesla 3

I would have a hard time taking delivery with all of the pressure. The amount of pressure coming from shareholders about production seems kind of scary.
by macheta
Sun Apr 15, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 3017

Re: New HVAC system

I shopped around and found a small business owner that sold me off brand for half price. I love the investment and really happy with the results. I would also take the advise by the others and try get some more life out of the existing unit. My condo was built in 92 but the condenser was trashed. Th...