Search found 242 matches

by rene
Tue Feb 11, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 372
Views: 23387

Re: What is the best concert you ever witnessed?

Biggest regret - not pulling the trigger on.... I decided a long time ago that would not happen again to me after I missed out Miles Davis, Talk Talk and a few others.There is always a reason to not go to a show.... and then they die. I flew across continents to see J.J. Cale play at my old local s...
by rene
Fri Feb 07, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 372
Views: 23387

Re: What is the best concert you ever witnessed?

Fun thread! A few come to mind, with links to set lists where available: - Elvis Costello has played a number of benefits in San Francisco over the years for a former bandmate of his who has a son with special needs. One year, he reunited with Clover to do all the songs off "My Aim is True ." Anoth...
by rene
Thu Feb 06, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Airlines Headache
Replies: 58
Views: 4270

Re: Airlines Headache

You are screwed. Don't buy Basic Economy tickets.
by rene
Thu Feb 06, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 372
Views: 23387

Re: What is the best concert you ever witnessed?

Of the hundreds of concerts the best shows I have seen were all by Prince. Nothing comes even close in the past 3 decades to his level. Used to see him all over the place including the some of those famous aftershows he used to do that started well after midnight. Boglehead principles of saving mone...
by rene
Thu Feb 06, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 372
Views: 23387

Re: What is the best concert you ever witnessed?

Toto a couple years ago. Outstanding musicians. Most underrated band of all time. Look up the history of the individual players on almost EVERYTHING you heard in the late 70's, 80's, etc. Some of the best studio musicians ever. Should be in the rock and roll hall of fame.... Bob Funny... these guys...
by rene
Thu Dec 19, 2019 2:29 am
Forum: Personal Investments
Topic: 50 Years Old - Question about [Roth 401K]
Replies: 5
Views: 750

Re: 50 Years Old - Question about [Roth 401K]

To answer your question ,... married, assuming to be married at retirement. Thank you for your explanation, it makes sense to me. rene, Are you single or married? And what do you expect your status to be at retirement: single or married? At its basic level, the question of either contributing to or ...
by rene
Wed Dec 18, 2019 5:34 pm
Forum: Personal Investments
Topic: 50 Years Old - Question about [Roth 401K]
Replies: 5
Views: 750

50 Years Old - Question about [Roth 401K]

Age : 50 years Lives in California 24% Fed rate, 9.3% Ca rate 401K : 1MM, Roth IRA $100K My company takes 20% of my earnings and puts it in a pre-Tax 401K which is about $1MM total now. I have been following the 3 fund portfolio which makes me sleep at night. I am comfortable with my portfolio in ge...
by rene
Mon Feb 26, 2018 2:22 am
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 7887

Re: Favorite socks?

Cabelas, medium wt
by rene
Fri Jan 26, 2018 4:24 pm
Forum: Personal Investments
Topic: My Portfolio Breakdown - room for improvement?
Replies: 17
Views: 1731

Re: My Portfolio Breakdown - room for improvement?

mega317 wrote:
Fri Jan 26, 2018 3:03 pm
OP is clearly not interested in feedback on his portfolio.
Yep. Waste of time
by rene
Thu Jun 29, 2017 4:01 pm
Forum: Personal Investments
Topic: Help with 401K admin fees
Replies: 20
Views: 2108

Re: Help with 401K admin fees

thank you all for the feedback
by rene
Thu Jun 29, 2017 1:28 pm
Forum: Personal Investments
Topic: Help with 401K admin fees
Replies: 20
Views: 2108

Re: Help with 401K admin fees

It appears that you have gotten the plan moved to one that does not charge a % for recordkeeping any longer which is a huge win. I'm guessing that you have a significant balance in the plan and that overall this is not for a megacorp situation. Vanguard has per head costs on the plan even if the pl...
by rene
Thu Jun 29, 2017 1:01 pm
Forum: Personal Investments
Topic: Help with 401K admin fees
Replies: 20
Views: 2108

Help with 401K admin fees

Bit of a long post but I am trying to figure out if I should make a fuss about admin fees or just accept and move on. Background : My company has a profit-sharing plan plus 401K. For decades the admin fees were always covered by management using redemption revenues (people quit before fully vested)....
by rene
Tue Apr 25, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnant - HSA vs PPO decision
Replies: 12
Views: 6837

Pregnant - HSA vs PPO decision

My wife is pregnant (due mid August) and open enrollment is coming up for me at work (ADP uses June-July coverage). We have been using the HSA plan as an additional tax advantage account and we hit the deductible last year ($4000) Can you help me figure out what would be the best option for me ? I a...
by rene
Sun Mar 19, 2017 1:11 am
Forum: Personal Investments
Topic: Turbotax Backdoor Roth brain fart
Replies: 3
Views: 1121

Turbotax Backdoor Roth brain fart

Mental block.... In March 2017 I contributed $5500 (non deductible) to Traditional IRA for tax year 2016 and converted few days later to Roth (backdoor). The contribution is *for* tax year 2016 but the conversion is done *in* 2017. Just to get my sanity back : I will enter my *contribution* (form 54...
by rene
Wed Mar 01, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find the cheapest mortgage?
Replies: 30
Views: 7981

Re: Where to find the cheapest mortgage?

mtgprofessor.com

great website where you can see lowest rates without having to give out phone numbers etc

thru the above site I closed my mortgage with goodmortgage.com and was etremely happy with the process, rate and help
by rene
Fri Feb 24, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5113
Views: 1310691

Re: What Movie Have You Recently Watched?

Hunter Gatherer..... excellent movie, stellar performances
by rene
Sun Feb 19, 2017 1:36 am
Forum: Personal Investments
Topic: 403a questions
Replies: 1
Views: 303

403a questions

My work allows me to participate in a 403a profit sharing plan which includes a 401k portion with option of regular 401K or Roth 401K. Every year the employer puts a percentage of my salary & bonus in the profit sharing plan. I have contributed the max 401K amount of $18K every year and decided to d...
by rene
Fri Feb 17, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 88
Views: 21339

Re: Amazon Echo

Absolutely AWESOME gadget... it has changed the way I listen to music. An echo combined with Amazon Music Unlimited is just perfect. IT is hard to describe how much of an improvement 'always-on' Echo is compared having to go to your phone or operate whatever audio device you have. Dont listen to the...
by rene
Fri Feb 17, 2017 2:37 pm
Forum: Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 36911

Re: Two Comma Club

Congrats to the op!!! I joined the 2 comma club this week ... BUT it's 2 commas for the total of my taxable, 401K and Roth investments. It does not take into consideration $15K student debt, $13K car loan, $20K company stock loan and 460K remaining mortgage (nor does it add home equity to the total)...
by rene
Sun Jan 22, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 112207

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

pascalwager wrote:
Unfortunately, it may mean wearing that expensive suit only inside your house.

Dude... you lost me right there... wearing a suit inside my own home? No way

:)
by rene
Sat Jan 21, 2017 1:58 am
Forum: Personal Investments
Topic: Changing AA [Asset Allocation]
Replies: 3
Views: 516

Re: Changing AA [Asset Allocation]

Just to follow up... I ended up selling my 5% in Reits (replace with TSM) and 17.5% Tips (replace with TBM)

It feels good to have a simple 3 fund portfolio.
by rene
Sat Jan 21, 2017 1:55 am
Forum: Personal Investments
Topic: vanguard settlement question
Replies: 6
Views: 1471

Re: vanguard settlement question

Vanguard replied and allowed me to wait for dividend distributions to cover the negative position
by rene
Thu Jan 19, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 445
Views: 112207

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

What a load of nonsense... In life everyone has personal goals, interests & ambitions. Mine is travel and music. I am that guy that flies across an ocean to see a J.J. Cale show (when he just go out of retirement) or see the Jayhawks play their new years show at First Ave and see Prince play dozens ...
by rene
Sun Jan 15, 2017 2:04 am
Forum: Personal Investments
Topic: vanguard settlement question
Replies: 6
Views: 1471

Re: vanguard settlement question

Earl Lemongrab wrote:Did you use a market or limit order to buy? You have to be careful in IRAs with market orders, as the actual price you pay can be unpredictable.
yep, market order.

hoping now that the next distribution of dividends will be soon enough to not have to deal with irs forms etc
by rene
Sat Jan 14, 2017 3:21 am
Forum: Personal Investments
Topic: vanguard settlement question
Replies: 6
Views: 1471

vanguard settlement question

i have a Roth Ira account at Vanguard which used to have VNQ and BND holdings. I am slowly convertingto a 3 fund portfolio and hence I sold my VNQ position and bought BND with the settlement funds. I guess I made an estimation error because I ended up with a (negative) -$9 amount in the settlement a...
by rene
Fri Dec 16, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 18894

Re: Cutting cable cord...

Amazon Fire Stick ($39) Netflix (9.99/mth) Amazon Prime ($99/yr) Find a buddy who will share their Comcast password for HBO etc ($beer) The above becomes awesome when you sideload Kodi to the Fire Stick (SFree) You still pay the insane Comcast internet per month I hope Comcast burns to the ground on...
by rene
Fri Dec 16, 2016 2:00 pm
Forum: Personal Investments
Topic: Changing AA [Asset Allocation]
Replies: 3
Views: 516

Changing AA [Asset Allocation]

The knowledge on this site has helped me in the past to figure out my AA. I used some of the following rules for setting up my AA: 1) Add 5% Reit to help diversify 2) Split fixed income 50-50 between TBM and Tips 3) Use roughly age-10 for fixed income I used to have the following AA for about 10 yea...
by rene
Thu Dec 08, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 15791

Re: Amazon Prime Getting Stingy?

Prime has been amazing. I received a $120 jackhammer within 24 hours on my doormat using Prime. I love Prime. I like their benefits and the $99 fee for whatever it is has been one of the best investments for my family. The fact alone that I don't have to go to a Target or other store and deal with b...
by rene
Thu Dec 08, 2016 6:14 pm
Forum: Personal Investments
Topic: Financial Portfolio Review
Replies: 2
Views: 553

Financial Portfolio Review

I would like to revisit my financial situation and make sure that I am on the right track. While I think that I am generally in a decent position I would appreciate any comments. Question 1 : Does the below AA make sense for my situation? There has been a lot of talk about Bond and especially Tips. ...
by rene
Fri Apr 08, 2016 2:03 am
Forum: Personal Finance (Not Investing)
Topic: To refinance, or not?
Replies: 7
Views: 1173

Re: To refinance, or not?

MTGPROFESSOR.COM

This site helped me get the lowest rate without the usual baloney of telephone calls
by rene
Tue Apr 05, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 6719

Re: Breaking concrete

I bought one of these Chinese jackhammers a couple years back for a project. http://www.amazon.com/XtremepowerUS-2200Watt-Electric-Demolition-Concrete/dp/B00IO3Z5MS/ref=sr_1_1?ie=UTF8&qid=1459778003&sr=8-1&keywords=jackhammer It's quite wonderful for the $$ and will rip through concrete. Apparently...
by rene
Mon Feb 08, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 16935

Re: Anyone travel without hacking?

You're doing it wrong. If you want to travel then travel. There are millions of ways to travel in an affordable way. Personally speaking, travel is a must and I'd rather die less rich than not having seen the world. Paralysis by analysis seems to apply.
by rene
Sun Feb 07, 2016 1:22 am
Forum: Personal Consumer Issues
Topic: Costco Whole Lamb: 9 Month Old Frozen Meat
Replies: 13
Views: 7424

Re: Costco Whole Lamb: 9 Month Old Frozen Meat

This reminds me... I need to find those halibut fillets in the back of the freezer as well as that bear chorizo.

Costco meat department is awesome. Seriously.
by rene
Tue Feb 02, 2016 2:45 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 38
Views: 5159

Re: Where to Stay in San Francisco?

Skip the city and stay in Marin Co.

Hide out in Point Reyes Station or Inverness
by rene
Mon Jan 25, 2016 6:29 pm
Forum: Personal Investments
Topic: Updated Portfolio - Review
Replies: 2
Views: 368

Re: Updated Portfolio - Review

@mcraepat9... yes the VEA is a legacy holding. Haven't made the decision to change this out for VEU

thanks for the comments
by rene
Mon Jan 25, 2016 6:14 pm
Forum: Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 10550

Re: I hate ETFs!!! [Lessons learned from market not going as expected]

What does your personality and temperament tell you that you should do? My gut tells me that since I do not execute trades often the use of ETF's is okay. Yes, funds would allow me to auto invest in ETF's but I am okay with that. It seems that once I get to large enough ETF's positions uI should lo...
by rene
Mon Jan 25, 2016 6:01 pm
Forum: Personal Investments
Topic: Updated Portfolio - Review
Replies: 2
Views: 368

Updated Portfolio - Review

My current Portfolio/AA has seen some changes recently due to unexpected and expensive sewer repairs (home ownership can be costly). That together with a baby hs forced me to sell of previously held taxable and reorganize things.I am all about simplicity especially since I am not very well versed in...
by rene
Mon Jan 25, 2016 4:45 pm
Forum: Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 10550

Re: I hate ETFs!!! [Lessons learned from market not going as expected]

I have the following accounts listed below. The company 401K has mutual funds and my Vanguard taxable & Roth accounts have ETF's. I used to be invested at E*Trade and recently moved taxable and Roth over to Vanguard. Should I change my Vanguard ETF's to similar Vanguard Mutual Funds? 1. Vanguard - T...
by rene
Tue Mar 03, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 81772

Re: What are Costco's best deals?

I just ate one of the salmon burgers that someone recommended here. Not bad at all! Now time to pass out reading Bogleheads... We pretty much gave up ground meat when the pink slime thing hit a few years ago. These salmon burgers have been a great substitute. I am assuming we are all eating the sam...
by rene
Fri Feb 27, 2015 5:18 pm
Forum: Personal Investments
Topic: Opening a 529 - in own name or kid?
Replies: 8
Views: 1732

Re: Opening a 529 - in own name or kid?

Thank you for the responses. I will open the 529 in my own name
by rene
Fri Feb 27, 2015 2:26 pm
Forum: Personal Investments
Topic: Opening a 529 - in own name or kid?
Replies: 8
Views: 1732

Opening a 529 - in own name or kid?

I was reading up on 529 plans and came across this statement : When you open a 529 account, do it in your name -- not your child's name. Your child should only be listed as a beneficiary. Assets in a 529 plan have very little effect in the financial analysis of most schools because kids are only lis...
by rene
Thu Feb 26, 2015 5:43 pm
Forum: Personal Consumer Issues
Topic: Pellet stoves -- whats your take?
Replies: 38
Views: 6025

Re: Pellet stoves -- whats your take?

If you are in Northern California (SF Bay Area) then you have to take into account the Spare the Air days. Every year we have more no-burn days. This last January was crazy and we had 17 no burn days already in 2015 It is one reason why I am inclined to install a gas stove insert. I would LOVE a cas...
by rene
Thu Feb 26, 2015 5:30 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 81772

Re: What are Costco's best deals?

I recently became a member of Costco. Factors that helped in the decision : 1) a new baby and 2) an extra big upright freezer in the garage for game and fish as I have family in Alaska and we have at minimum 100 lbs of frozen filets in the freezer. (Speaking of fish please don't eat tilapia or farme...
by rene
Wed Feb 04, 2015 6:34 pm
Forum: Personal Investments
Topic: Investment/Portfolio Help
Replies: 3
Views: 603

Re: Investment/Portfolio Help

Thanks for the replies. @lafder I am okay with the current expense ratios for the funds I have as I picked the cheapest available in my profit sharing plan. I actually have pushed for years now to get Vanguard Index Funds and just heard they will add them to the mix starting sometime Q2 this year. W...
by rene
Tue Jan 27, 2015 7:52 pm
Forum: Personal Investments
Topic: Investment/Portfolio Help
Replies: 3
Views: 603

Investment/Portfolio Help

Some years ago I got some help here regarding my portfolio. Years have passed and things have changed (including marriage, kids, home, student loans) and I have some changes to implement. My intention is to increase fixed income of the AA from 30% to 35% and reduce equities to 60% and keep Reits at ...
by rene
Wed Jan 07, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing for dummies
Replies: 2
Views: 1260

Refinancing for dummies

I have a 4.875% fixed 30 yr mortgage for my current home which was done about a year ago. House value estimated at $625,000 (purchase price) and loan amount $491,000. Looking at refinancing to take advantage of the lower rates to lower monthly payments. Have enough savings for perhaps a point or so ...
by rene
Wed Feb 05, 2014 6:15 pm
Forum: Personal Investments
Topic: Married - upcoming changes
Replies: 2
Views: 461

Re: Married - upcoming changes

Thanks for the quick reply!
by rene
Wed Feb 05, 2014 6:04 pm
Forum: Personal Investments
Topic: Married - upcoming changes
Replies: 2
Views: 461

Married - upcoming changes

So I got married in April (woohoo :) !!) and I am only now able to start looking at the financial consequences (long story). My first question is regarding Roth Ira's. I myself have a Roth Ira which is funded using the backdoor TIra as my income when I filed Single is too high for a Roth. Our combin...