Search found 130 matches

by macheta
Sun Jan 20, 2019 12:15 am
Forum: Personal Consumer Issues
Topic: Zero Gravity Chairs
Replies: 7
Views: 762

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: 847
Views: 43350

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: 8292

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: 19506

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: Investing - Help with Personal Investments
Topic: Is this annuity a good deal?
Replies: 14
Views: 1977

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: Investing - Help with Personal Investments
Topic: mega backdoor roth - question about tax on earnings
Replies: 25
Views: 1657

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: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2074

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: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2074

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: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2074

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: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2074

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: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2074

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: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2074

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: 7052

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: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2074

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: 3603

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: 7052

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: 3603

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: Investing - Help with Personal Investments
Topic: Pension Lump Sum: Short-term bonds?
Replies: 37
Views: 2214

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: 3603

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: 3603

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: 2167

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: 843

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: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 61
Views: 7339

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: 1800

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: 115844

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: 2512

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...
by macheta
Sat Mar 31, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off PMI or refinance or Appraisal
Replies: 19
Views: 2006

Re: Paying off PMI or refinance or Appraisal

With interest rates going up I would try to get out of the 5/5 loan. I'm not an expert though. Three years away to get rid of PMI is not bad. The variable or hidden cost to refinance and fix the house up would cause to many variables for removing three years of PMI payments. Plus you have to meet th...
by macheta
Sat Mar 31, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 26
Views: 4238

Re: Edward Jones

If you leave how will the ej adviser make his BMW payment?
by macheta
Sun Mar 25, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 21634

Re: My boneheaded financial mistakes

Not finding this website sooner.
by macheta
Sun Mar 25, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: New vs Used Camry vs Accord
Replies: 64
Views: 5038

Re: New vs Used Camry vs Accord

I bought my vehicle new in 2011 and also shooting for twenty years. If I had to do it again, I would buy the new toyota camry. This has the Toyota Safety Sense on all the models as standard feature. I think this would be important when making a decision on a new car.
by macheta
Sat Mar 24, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3531

Re: $35/month for washer dryer rental?

B4Xt3r wrote:
Sat Mar 24, 2018 1:30 pm

Or a used washer and dryer for 150 bucks. 1000 dollars to lease equipment for 3 years? Nope.
This is what I would have done while renting.
by macheta
Sat Mar 24, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed before I go mad :D
Replies: 53
Views: 6043

Re: Help needed before I go mad :D

A lot of people lost money last week. The market will be down next week based on the current premarket . Don't sell during this time and mitigate your exposure from individual equities by using mutual funds. Take the this as a lesson and learn from the mistakes. I have a hard head and tend to learn ...
by macheta
Sun Mar 11, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42600

Re: [What UN-frugal thing do you do? What do you splurge on?]

My splurging is mostly on dining and sporting activity.
by macheta
Sun Mar 11, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7169

Re: 25YR old with considerable amount of cash

I'm sorry for your loss. I would invest it and try to live off the interest. Keep the bills low and spend more time with my family instead of working.
by macheta
Sun Feb 18, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Switching to Gov't Bonds as you get closer to retirement?
Replies: 6
Views: 855

Re: Switching to Gov't Bonds as you get closer to retirement?

What I did is I compared the different bonds using historical data. What does the data look like and is it something I was looking for? Some bonds have more corporate vs government. Some of them do better hedging interest rates but overall returns are very low. Because I still have twenty two years ...
by macheta
Sat Feb 10, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 8275

Re: Financially secure, horrible workplace but just can't FIRE

The only reason why I am staying in a horrible workplace is because the high pay / benefits outweigh the need of having job security. I plan to wait it out and save as much as possible. I plan to start a new career after getting laid off. Maybe horrible is a bad word to explain the situation. My cur...
by macheta
Sat Feb 03, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9626

Re: What advice would you give yourself if you were 27 again?

What advice would you give yourself if you were 27 again? Nice job investing consistently for nine years. I would maybe take more direction towards learning to be a leader and improve communication. There are many interpersonal situations I didn't do so well in my career. I was lacking key skills.
by macheta
Sat Feb 03, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9626

Re: What advice would you give yourself if you were 27 again?

Pajamas wrote:
Thu Feb 01, 2018 6:16 pm
Say "yes" more often.
Say no more often
by macheta
Mon Jan 29, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1965

Re: Home Alarm Systems

Another point of information for LiveWatch (and presumably the other Alarm.com based systems) is that you can set up geofencing alerts. My wife invariably forgets to set the system nearly every weekday . . . and as soon as both of our phones our beyond a .5 or 1 mile perimeter of the house, we get ...
by macheta
Mon Jan 29, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1965

Re: Home Alarm Systems

"..but I think the cell phone service is overkill. " What would you use if not cell phone? (cable(voip) and telephone wires are easily cut) :happy Alarm is only a deterrent. If I was going to rob your house and new about the internet setup, I probably would know also about the cell phone setup and ...
by macheta
Sun Jan 28, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1965

Re: Home Alarm Systems

One additional point, I recommend setting up VOIP phone service. Setup backup power for the modem, router, and VOIP device as well.
by macheta
Sun Jan 28, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1965

Re: Home Alarm Systems

I would hire a small business owner to install the alarm. And I would have AlarmRelay monitor it for you at 10 per month. I would recommend getting a glass break sensor, and smoke/heat detector connected to the system. I recommend getting a backup power system but I think the cell phone service is o...
by macheta
Mon Jan 15, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 2093

Re: best flooring for a basement wood shop?

Bamboo flooring
by macheta
Sun Jan 14, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 580
Views: 59740

Re: What frugal thing did you do today?

I did away with a land line years ago. . I would get rid of cable all together if it weren’t for the phone and internet. I have a family plan through my employer at $10/mo on the cell phones and still have the kids on it...and their in their 30’s. (Yes, they do reimburse me for the monthly). We don...
by macheta
Sun Jan 14, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 580
Views: 59740

Re: What frugal thing did you do today?

i cancelled my monthly yoga. I can do it at the gym instead.