Search found 91 matches

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: 5
Views: 363

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: 54
Views: 6215

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: 7570

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: 7570

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: 1502

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: 1502

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: 1502

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: 1502

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: 1533

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: 391
Views: 30739

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: 391
Views: 30739

Re: What frugal thing did you do today?

i cancelled my monthly yoga. I can do it at the gym instead.
by macheta
Sat Jan 13, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1323

Re: Storing Important Documents Online

I encrypted my files before upload. The idea of having a backup files in the cloud being able to access it from different computers is better than playing it safe. How you manage your information is important. For me the probability of someone hacking the encrypted Microsoft cloud seemed low. The pr...
by macheta
Fri Jan 05, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 391
Views: 30739

Re: What frugal thing did you do today?

We got a motion sensor for the bathroom. prior, we had a lamp on all the time.
by macheta
Sat Dec 02, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 9325

Re: Amount You Need To Save Annually Over Lifespan

I'm not sure I need two million or four million. My biggest concern is the inflated cost of medical. I am budgeting $21,108 per year in tomorrows inflated view for medical or $6500 in todays view . This estimate takes into consideration estimate of Medicare Parts A, B, and D, a Medigap policy, and a...
by macheta
Sat Dec 02, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5571

Re: How do I convince my employees to invest more?

I would maybe recommend sending out an informative email about the retirement plan. I would recommend trying to keep it short and concise.
by macheta
Sun Nov 26, 2017 11:52 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9995

Re: What did you do right?

1) started investing eight percent of my income when I was eighteen with matching contributions from the Corp. (20 yrs ago)
2) started reading and learning on this forum in 2012
by macheta
Wed Nov 01, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 460
Views: 37370

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

The Tesla 3 is a very impressive vehicle and company. Recently, I turned down a position at the Tesla plant because the cost of living was too high in the area. I would buy another vehicle which had a proven reliability and service If I had sixty thousand dollar budget . There are a lot of people ta...
by macheta
Sun Oct 22, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 3263

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

Most likely a stressful confrontation would occur if she ignored the email or responded with no. I would just let the insurance deal with the problem.
by macheta
Fri Oct 20, 2017 1:52 am
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 3031

Re: Pant Recommendations (Business Casual)

i always spend a lot of time trying on clothes before buying them. Just because I know my size doesn't mean the clothes will fit and be comfortable.
by macheta
Sun Sep 17, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4768

Re: Buying nightguards (teeth grinding)

I use the five dollar ones in the sporting good stores. I usually cut around the top since I don't need the gum guard so high up. I boil them for thirty seconds after cutting the guard down. Finally, I fit the boiled guard into my mouth. Every couple of months I forget it somewhere and my dogs destr...
by macheta
Tue Sep 12, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11610

Re: The 10 year car ownership "rule"

I've had my scion for six years and I have about sixty thousand miles so far. I would like the get at least 200k before I buy a new vehicle. Lately , I have been putting money into the vehicle to make it look better. For example, I had someone come out and clean and polish the rims. I'm going to get...
by macheta
Sun Sep 03, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Hardwood floors warping?
Replies: 19
Views: 2014

Re: Hardwood floors warping?

We had a leak in the roof caused our engineering wood flooring to warp. The oak was peeling off the underwood. I peeled the warping wet oak wood off and straightened the wood while it dried. I straightened it by clamping the wood between two flat pieces of wood. After it dried I reapplied the straig...
by macheta
Sun Aug 13, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4316

Re: Cheapest way to upgrade iPhones ?

Cricket has new iPhone 6 32gb for $299. I think the 6s is a better phone. 7 dropped the headphone jack which is interesting. Swappa.com is a place I monitor. 229 for the SE or 299 for the 6.The virgin mobile is a better deal though by about a three hundred bucks if you compare prices including the ...
by macheta
Sun Aug 13, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 5555

Re: PayPal - Any Disadvantages?

I just updated my paypal account to make it more secure. I activated the following: "Set up a PayPal Security Key by entering a one-time pin that’s unique for each login. This gives you a second authentication factor whenever you log in to your account. That’s fancy talk for a super secure account!"...
by macheta
Sun Aug 13, 2017 2:25 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4316

Re: Cheapest way to upgrade iPhones ?

Cricket has new iPhone 6 32gb for $299. I think the 6s is a better phone. 7 dropped the headphone jack which is interesting. Swappa.com is a place I monitor. 229 for the SE or 299 for the 6.The virgin mobile is a better deal though by about a three hundred bucks if you compare prices including the ...
by macheta
Sun Aug 13, 2017 2:15 am
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2745

Re: For those switching to Chrome from Firefox

I have been using Chrome since it started. The browser now uses too much resources and causes a lot of problems similar to Internet Explorer. I actually am starting to use FireFox now since I like the VPN feature.
by macheta
Mon Jun 12, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Employer is not contributing to 401k — better to just contribute to my own IRA and Roth?
Replies: 21
Views: 1503

Re: Employer is not contributing to 401k — better to just contribute to my own IRA and Roth?

I would still try to figure out the administrative fees. This is one of the most important parts to making a decision about investing. Assuming the 401k has low fees, it can also protect your savings from being taken away from a lawsuit. Another major plus is that the funds are taken out directly fr...
by macheta
Sun Jun 04, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 2210

Re: New laptop needed, any ideas?

I would not buy any laptop which does not have an SSD drive instead of the traditional hard drive. The post with the link to the amazon website is showing a nice laptop but it has a mechanical hard drive. These hard drives will slow down your system.
by macheta
Sun Mar 19, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1922

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I use both Google Drive and One Drive both are free for the storage. additional layer of security I use minilock on the items needed to be secured prior to upload.
by macheta
Mon Mar 13, 2017 9:30 pm
Forum: Investing - Theory, News & General
Topic: How Many Contribute To A Retirement Fund But Never Invest
Replies: 21
Views: 2815

Re: How Many Contribute To A Retirement Fund But Never Invest

I did this from 2003-2007, my first job out of college. My employer didn't offer a 401k option that I could contribute to, and so my parents advised me to make deductible contributions to a Trad IRA. So I did, and contributed like $4k per year over this time to a Fidelity Traditional IRA. I didn't ...
by macheta
Tue Mar 07, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Old 401K
Replies: 15
Views: 1350

Re: What to do with Old 401K

What are the funds and expense ratios in the old and current employer?
by macheta
Sat Feb 18, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 34
Views: 6267

Re: Missing my Microsoft Money - any equivalents?

i've always used mint. recently I started getting nervious with giving out my passwords so I stopped using it for my investement accounts. I might try manually loading MS Money and see how I like it.
by macheta
Mon Jan 30, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - Let the Buyer Beware
Replies: 26
Views: 6624

Re: Suze Orman - Let the Buyer Beware

Suze Ormon is good for beginners who want an entertainment and celebrity path to get into personal finance. But once you have matured into Bogleheads philosophy, she's pretty useless. I use to listen to her growing up and I think I learned a little bit from her show. My favorite was probably her sh...
by macheta
Sat Jan 14, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Needs
Replies: 3
Views: 638

Re: Retirement Needs

When I added inflation (2.5%) and increase medical costs (5.5%) it moved my savings required from 690k to 2.5m.
by macheta
Sat Jan 14, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Needs
Replies: 3
Views: 638

Retirement Needs

I had a question about this formula about estimating future needs. I did this and it seemed really low.I redid the formula using 2.5% compound to income needs based on inflation and 5.5% to medical. For example, if I retire in 25 years I estimated Medical Expenses would be moved up from 13k to 49k b...
by macheta
Tue Dec 06, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 12720

Re: Owning a Chromebook

I like the minilock encryption app. i use it between the chrome and windows OS computers.
by macheta
Tue Dec 06, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Feedback
Replies: 0
Views: 319

Requesting Feedback

Hello: I am looking for feedback on my plan for retirement. I originally posted back in October of 2015. I’ve made some changes since my previous post. My questions are listed below. I would appreciate any feedback. Previous Year Posting: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=175955 E...
by macheta
Mon Sep 19, 2016 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Age 32
Replies: 18
Views: 2661

Re: Pension Lump Sum - Age 32

I would take the money and put it into a traditional.
by macheta
Sun Sep 04, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Google Word Processing and Spreadsheet
Replies: 29
Views: 4342

Re: Google Word Processing and Spreadsheet

I keep general stuff on the Google cloud which uses the Google apps. Anything specific about my personal stuff I keep on my computer and use the MSFT apps.
by macheta
Wed Aug 31, 2016 11:51 pm
Forum: Personal Consumer Issues
Topic: Drowned IPhone
Replies: 28
Views: 2988

Re: Drowned IPhone

It just depends If damage was done to the circuitry. Never hurts to try. It worked for me on an android phone.
by macheta
Sun Aug 14, 2016 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth vs. Roth 401(k)
Replies: 8
Views: 1100

Re: Backdoor Roth vs. Roth 401(k)

I think its really personal preference. From my perspective, I like to have a balance between the two. Take into account the note from the IRA website below into your decision. https://www.irs.gov/retirement-plans/roth-comparison-chart "This limitation is by individual, rather than by plan. You can ...
by macheta
Tue May 31, 2016 11:39 pm
Forum: Personal Consumer Issues
Topic: Kitchen remodel suggestions
Replies: 45
Views: 5491

Re: Kitchen remodel suggestions

I like getting ideas on Pinterest.com. And also Recommend looking on eBay or Craigslist for deals. I got my cabinets from someone selling them during a remodel project at a mansion for next to nothing. I just resurfaced them before install. :sharebeer Paying a little extra to get the job done right ...
by macheta
Sat May 14, 2016 3:10 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2016 annual report
Replies: 21
Views: 2907

Re: Bogleheads® Wiki 2016 annual report

Learning and growing using this website has been a very good highlight of my life. Thanks to all the stakeholders!
by macheta
Sun May 01, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 91
Views: 14246

Re: WOW fantastic Cars in the Wild

Did you leave a boglehead ad under the windshield wiper?
by macheta
Tue Dec 15, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 3159

Re: Retire at 55

Garland - nice post. thank you!
by macheta
Tue Dec 15, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 3159

Re: Retire at 55

Keystone - How would you withdrawal a Roth IRA contribution free of penalty prior to 59.5?
keystone wrote:I plan to retire at 49 and will use my taxable account to fund my expenses from 49 to 59.5.

Besides that, one can withdraw Roth IRA contributions free of penalty or they could withdraw per IRS 72(t).
by macheta
Tue Dec 15, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 3159

Re: Retire at 55

Thanks... You guys answered my question! Applies towards 401k only: Separation from Service the employee separates from service during or after the year the employee reaches age 55 (age 50 for public safety employees of a state, or political subdivision of a state, in a governmental defined benefit ...
by macheta
Tue Dec 15, 2015 12:17 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 3159

Retire at 55 [Which funds to use between 55 and 59.5?]

Hi - I was interested in retiring at 55. Where should I place the funds which will be needed between 55 and 59.5? It looks like roth and 401k are subject to penalty if taken out before 59.5.

Thanks!
by macheta
Tue Dec 08, 2015 9:06 pm
Forum: Investing - Theory, News & General
Topic: 10 year price return. USA 69% vs global ex USA 1%
Replies: 10
Views: 1603

Re: 10 year price return. USA 69% vs global ex USA 1%

You better ask serri before doing anything drastic.