Search found 207 matches

by sfchris
Thu Jul 02, 2020 7:21 am
Forum: Personal Investments
Topic: 5M Windfall, all in VTMFX? [Vanguard Tax-Managed Balanced Fund]
Replies: 46
Views: 16168

Re: 5M Windfall, all in VTMFX? [Vanguard Tax-Managed Balanced Fund]

Whoa Peter. This is a four year old thread you are replying to.
by sfchris
Sun Apr 05, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: Stock/Bond Allocation For Those With Investment Property
Replies: 10
Views: 524

Re: Stock/Bond Allocation For Those With Investment Property

As a renter in an extreme HCOL area, I have had this discussion here before. Whatever you decide to do, it is important to realize that when soliciting advice on asset allocation, some people have a couple million in real estate that they could reverse mortgage if needed, sell at retirement, etc. So...
by sfchris
Wed Apr 01, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 18338

Re: What will you do first, once COVID pandemic is over?

F150HD wrote: Sat Mar 28, 2020 5:36 pm
TheTimeLord wrote: Sat Mar 28, 2020 3:57 pm
Strayshot wrote: Sat Mar 28, 2020 3:56 pm Vegas with friends. Gonna try and party like we did in our 20’s. I said try.
Not the worst idea I have heard.
:greedy

Image
Jet Blue was struggling greatly before all of this. I would be very surprised if they continue to exist after this is over.
by sfchris
Sat Mar 28, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 18338

Re: What will you do first, once COVID pandemic is over?

Curious what everyone's plans are once the pandemic is over -- ("over" being defined as social distancing measures are rescinded)? Will you take a road trip? Visit friends and family? What will you cherish so much more after this? I'm going to visit friends back home, especially my folks....
by sfchris
Sun Jan 19, 2020 7:45 am
Forum: Investing - Theory, News & General
Topic: Isn’t Inflation Much Larger Than 2%?
Replies: 289
Views: 19832

Re: Isn’t Inflation Much Larger Than 2%?

5-10 percent (call it an average of 7.5%) means prices doubled since 2011. I cant think of much that's truly doubled in price since 2011. I went to pizza place for lunch the other day, 2 slices of pizza, no soda, almost 15$. I used to pay half. Where does two slices of pizza cost 15$? Curious. Bay ...
by sfchris
Thu Dec 12, 2019 3:26 am
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 14260

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

If you haven't done so already, get the Chase Ink Business card for one year and get the $1000+ in bonus (after the yearly fee). For a year you will have excellent benefits when you choose to use the card.

https://creditcards.chase.com/ink-busin ... erred-card
by sfchris
Wed Dec 12, 2018 4:38 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 25744

Re: What percentage of your net worth is your home equity?

I don't even include home equity when I calculate my net worth. It's a place to live that sometimes winds up being, at best, an OK investment. +1 Guys, Don't be average (or majority) Americans and count your Primary Residence home equity as part of your net worth - it's not particularly helpful wit...
by sfchris
Tue Dec 11, 2018 3:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4970
Views: 1314657

Re: What Book Are You Currently Reading? Part VI

Doctor Sleep by Stephen King. It is the sequel to the Shining. I recently saw the Shining movie again and heard that they are going to make Doctor Sleep into a movie and I wanted to check it out. (I also stayed at the old Ahwahnee Hotel in Yosemite recently where the set designers got the designs o...
by sfchris
Mon Dec 10, 2018 5:37 pm
Forum: Personal Investments
Topic: Great Personal Loss – Guidance and Financial Questions
Replies: 36
Views: 5679

Re: Great Personal Loss – Guidance and Financial Questions

I just wanted to join the others and say I'm so sorry. I hope you have good friends who can lend support, and if not there are support groups offine and online. I think you are very wise to put any major decisions you can off for a year.
by sfchris
Wed Nov 28, 2018 1:39 pm
Forum: Personal Investments
Topic: Should I Quit Bothering with Backdoor Roth and/or IRA?
Replies: 20
Views: 2980

Re: Should I Quit Bothering with Backdoor Roth and/or IRA?

Roth IRAs are a great tax shelter for beneficiaries at death. Do you have any beneficiaries you want to give your money to?
by sfchris
Wed Nov 28, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 11562

Re: How did YOU choose your career?

One thing that really helped me was a hard factory job and a crappy retail job while in college. I realized I definitely wasn't a hard worker and unless I wanted to be homeless I needed a job that paid well and was easy. Focused my energies on using my intellectual abilities and now I am posting thi...
by sfchris
Wed Nov 07, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Guide to work out your asset allocation?
Replies: 12
Views: 1409

Re: Guide to work out your asset allocation?

I have a good imagination, so I just pose scenarios to myself and try to make it feel as real as possible. "Suppose the stock market fell 50%. What would I do? I imagine the news reports, the bogleheads 'Stocks in freefall' threads, etc until it feels real. In my mind 50% is the worst case scen...
by sfchris
Wed Nov 07, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Visa [credit card]
Replies: 20
Views: 2434

Re: Alliant Visa

...after the 3% promo expired and it dropped down to 2.5%. With my spend and the $59 fee it works out to about 2.3% cashback per year, still better than anything out there. Alliant is a fantasic credit union for many reasons (fast ACH, low fees, ATM rebates, competitive savings rates, free bill pay...
by sfchris
Mon Nov 05, 2018 4:49 pm
Forum: Personal Investments
Topic: 1,000,000+ by 29
Replies: 23
Views: 5339

Re: 1,000,000+ by 29

First of all, congratulations on saving so much on a $100,000 salary in only a few years! That is pretty remarkable! When managing rental real estate don't you need a decent cash buffer to deal with unexpected cost? How much do you need for that? Add to that a personal emergency fund, and the rest c...
by sfchris
Mon Nov 05, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 8472

Re: Engineering school

Having been through it, the primary advice I would give is to only attend a competitive state engineering school if you think you will be in the upper 25% of your class. Many of these schools oversubscribe and have no incentive to keep students around. They can and will use harsh grading curves to ...
by sfchris
Mon Nov 05, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Visa [credit card]
Replies: 20
Views: 2434

Re: Alliant Visa

I have had the card for a year and a half and kept it after the 3% promo expired and it dropped down to 2.5%. With my spend and the $59 fee it works out to about 2.3% cashback per year, still better than anything out there. Periodically, I have to log in and request the money get deposited in my sav...
by sfchris
Mon Nov 05, 2018 4:29 am
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 8472

Re: Engineering school

Having been through it, the primary advice I would give is to only attend a competitive state engineering school if you think you will be in the upper 25% of your class. Many of these schools oversubscribe and have no incentive to keep students around. They can and will use harsh grading curves to r...
by sfchris
Mon Nov 05, 2018 2:23 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 5723

Re: Beer - Strong German Style Lagers

I don't think the OP will have much luck because the craft brew scene in America is not very interested in lagers (or english bitters or any non IPA ultra high ABV brews). In the few cases where smaller brewpubs have brewed "German Lagers" I haven't been very impressed. I know you say you ...
by sfchris
Wed Oct 17, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Amended return required when error only impacts capital loss carryforward?
Replies: 4
Views: 587

Amended return required when error only impacts capital loss carryforward?

I have not been able to find an answer via googling or in the instructions for 1040X so I thought I would turn to my friends here at BH: I made an error for tax year 2016 on my Schedule D where I underrepresented my basis on a handful of sales that (both before and after correcting the error) result...
by sfchris
Fri Sep 21, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7755

Re: Don't trust Tripadvisor reviews

For what it is worth, I have been using Tripadvisor for almost 15 years and it has been an amazingly reliable way to find quality hotels at my price point. I trust it more than any other hotel review site particularly when I am travelling overseas and aren't using big brand hotels. I put in my dates...
by sfchris
Fri Sep 21, 2018 4:57 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 4242

Re: Dental work and hypertension issue

I'm treated for high blood pressure and generally my blood pressure is just a few points above normal (I measure it often). My last dental visit, after going to the same dentist for 25 years, they took my blood pressure for the first time. Maybe it is a new trend or insurance requirement? Anyway, af...
by sfchris
Tue Sep 18, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2823

Re: How to watch baseball playoffs without cable

Mlb.TV does not allow you to watch most playoff games as the USA rights have been sold to cable tv.

However if you are technically savvy you can set up a proxy in Asia and then use mlb.tv as there are no blackouts internationally.
by sfchris
Sat Sep 15, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 89
Views: 12666

Re: If you really like the CR-V, you should check out the [_____]

We got the 2018 CR-V. Very nice, except the real world city mileage is no more than 20 mpg. This tank we are averaging 19 mpg! I did some research and it looks like the difference between highway and city real world mpg on this thing is massive. Also the center console slides when you rest your elbo...
by sfchris
Fri Sep 14, 2018 4:46 pm
Forum: Personal Investments
Topic: OK to break the chain of homeownership?
Replies: 12
Views: 1195

Re: OK to break the chain of homeownership?

I didn't think there was a REIT that conclusively tracks home prices. If there are, do tell.
by sfchris
Sat Feb 24, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 3670

Re: Should I ask for a larger raise at yearly review?

You were promoted 6 months ago, given a nice raise, and are going to negotiate upward on your annual merit increase? If I was your boss I would honestly be a little offended - from my perspective I have been aggressive with your career, given you tremendous flexibility on your work conditions / wor...
by sfchris
Sat Feb 24, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 3670

Re: Should I ask for a larger raise at yearly review?

If you are truly worth more, I would plan on moving to a new company to get paid that. Realistically, that's usually what ends up happening because of corporate bureaucracy. You could give your boss a courtesy heads up, not telling him that you are planning to leave, but just say that I've become aw...
by sfchris
Thu Feb 22, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.85 [Money Market Rate To 1.85% APY]
Replies: 57
Views: 9538

Re: Capital One 360 Money Market now at 1.5%

UFB direct is 1.6%.

An excellent site for tracking bank account and CD rates:

https://www.depositaccounts.com/savings/
by sfchris
Thu Feb 22, 2018 4:38 am
Forum: Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 3967

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

I have an almost identical plan, but it takes about 5 days after the stock is bought before the stock shows up in my account and I can sell it. I have seen the price move 5% in that time. Plus I am not disciplined enough to sell right away so I am about to get out of the plan altogether.
by sfchris
Thu Feb 22, 2018 4:33 am
Forum: Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 11328

Re: <gulp> Expensive mistake

I have also been on this site for several years, reading daily and I did not know those acronyms. Mainly I know the Vanguard ones. From my experience on other forums (Fatwallet), there certain people with a steel trap mind for memorization, and these are always the people using acronyms and telling ...
by sfchris
Fri Feb 16, 2018 3:25 am
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 10112

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

On other boards, I have seen several lawyers post that it is the most important insurance to have... and it is not for medical coverage -- it is for lost income if you are permanently disabled. I pay about $150/year for a million dollars UM from AAA. And premium umbrella insurance might extend it fr...
by sfchris
Sun Feb 11, 2018 2:40 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 4472

Re: Getting Rid of Ants in the House?

Liquid Terro should eventually work, UNLESS these are agentinian ants in which case you, like me, are SOL. Agentinian ants are a super colony with an unlimited amount of queens. Since Terro works by killing the queen, it doesn't work with agentinian ants. After giving up on Terro, what I had to do w...
by sfchris
Sat Feb 03, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to think about your house from a financial perspective
Replies: 89
Views: 9691

Re: How to think about your house from a financial perspective

I am a middle aged renter in an extreme cost of living area. For me, the question is inverted: "How do I think of a lack of a house from a financial perspective"?. What if I decide to buy later in an area where a starter shack is more than a million dollars and an ordinary home is close to...
by sfchris
Thu Jan 18, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 5765

Re: How do you adjust side mirrors in a car?

My high school driving instructor bashed it into my skull in 1985 that I should always do a head check before changing lanes.

I still do. So the mirrors are nice, but not required.
by sfchris
Wed Jan 17, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 295
Views: 43613

Re: Do you have an umbrella policy?

So right now I am paying $440 on a $2mm umbrella from State Farm. If I move my insurance over to a new company I could pay $340 on a $2mm or $410 on a $3mm. Would you guys pocket the $100 savings (I am also going to save about $250 additional on Homeowners) and leave umbrella the same or would you ...
by sfchris
Wed Jan 17, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 5711

Re: Umbrella Policy - 1M or 2M

Call_Me_Op wrote: Wed Jan 17, 2018 8:53 am
mouses wrote: Tue Jan 16, 2018 10:39 pm My $5 Mil policy from AMICA is $622.
That's cheap. You must have a very low risk profile (including living in a rural area).
Actually, if you read through the other umbrella threads, that seems to be close to average ($100 per million).
by sfchris
Wed Jan 17, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 5711

Re: Umbrella Policy - 1M or 2M

That is correct, and also you are not getting 100% equivalent coverage as Umbrella does cover a few additional things that auto+home policies do not cover (eg slander, libel, wrongful eviction, false arrest). Yes, these are less likely to be used but still, due to this and the reason neilpilot poin...
by sfchris
Fri Sep 01, 2017 12:46 am
Forum: Forum Issues and Administration
Topic: The Forum is now "Feed friendly"
Replies: 62
Views: 145478

Re: The Forum is now "Feed friendly"

The latest version of Sage severely corrupts toolbar configuration! Please do not install that Add-on unless you have a backup of your profile.

This happened to me and I am still recovering. Several other users have also reported this in the reviews.
by sfchris
Fri Sep 01, 2017 12:02 am
Forum: Forum Issues and Administration
Topic: The Forum is now "Feed friendly"
Replies: 62
Views: 145478

Re: The Forum is now "Feed friendly"

^^^ I've been using it for years. It's very compact, clean, no fluff. Sage :: Add-ons for Firefox Thank you. But I am kind of addicted to my.yahoo for news reading due to it's newspaper like layout and extreme compactness (which I have tweaked further using other extensions). You mentioned that you...
by sfchris
Thu Aug 31, 2017 8:58 pm
Forum: Forum Issues and Administration
Topic: The Forum is now "Feed friendly"
Replies: 62
Views: 145478

Re: The Forum is now "Feed friendly"

This is great! I am a holdout who still monitors most of my forums via RSS. Glad I can do it for BH. One suggestion: Could you eliminate the subforum name from the topic titles? It makes it hard to scan through the topic list because they are so similar and so long. Screenshot: https://i.imgur.com/...
by sfchris
Thu Aug 31, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Help Customizing Streaming TV Options
Replies: 10
Views: 1468

Re: Help Customizing Streaming TV Options

The short answer is that "unplugging" from cable TV is facing increased fragmentation, with the required streaming sites increasing along with the prices for each one. Depending on your needs, it is sports coverage that is going to cost you. You can pay for NFL Sunday Ticket streaming, but...
by sfchris
Wed Aug 30, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Umbrella Policy Coverage
Replies: 17
Views: 2577

Re: Umbrella Policy Coverage

This question has been asked many times and the bottom line is no one knows. Get at least one million and after that your guess is as good as mine. Yes. The OP should use the search. The other common advise is that umbrella insurance is not standardized and so every one is different. You really nee...
by sfchris
Mon Aug 07, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 61
Views: 7734

Re: Eclipse viewing

We have tenative hotel reservations in the totality but would prefer to drive a couple hours from relative's houses. However, those people planning to drive from areas like Chicago might want to worry about the potential for hurricane evacuation style traffic. Many of the highways in the areas of th...
by sfchris
Mon Aug 07, 2017 2:18 pm
Forum: Personal Investments
Topic: Cap One Money Market 1.1% - any need for CD's?
Replies: 4
Views: 760

Re: Cap One Money Market 1.1% - any need for CD's?

You can get at least 1.30% in a savings account.
by sfchris
Sun Jul 30, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 19382

Re: Another bay area housing thread..

I see these Bay Area housing posts and I cringe. More power to the people that live there. What I find hard to believe is that there are no "glamorous" tech jobs in places such as Denver, Phoenix, Austin, Atlanta, Research Triangle, Dallas, Minneapolis or even Chicago where one could pres...
by sfchris
Sat Jul 29, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20570

Re: Your "at peace" moments.

My SO sleeps 2-3 hours longer than me. On vacations near the ocean, I like to leave in the early morning and walk in the quiet with only my thoughts. And when at home, my favorite is putting on heavy boots and a good rain slicker and then walking in a city park during a downpour. (We almost never ge...
by sfchris
Sat Jul 29, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Anybody with substantial gains in FANG stocks ?
Replies: 22
Views: 3436

Re: Anybody with substantial gains in FANG stocks ?

I don't know anything about investing, that's why I am here at BH. I am also pretty bad at paying attention to my portfolio and have forgotten to look at it for years at a time. :| Occasionally, in the late 90s, I made small bets along the way and then lost nearly all of the money. :oops: All of thi...
by sfchris
Sat Jul 08, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 18852

Re: A good VISA card for Gas & Groceries?

Alliant has a 3% cashback VISA. I use it for everything.
by sfchris
Sat Jul 08, 2017 6:24 am
Forum: Personal Investments
Topic: Why is it wrong to hold both? [Total Stock Market and 500 index]
Replies: 40
Views: 7233

Re: Why is it wrong to hold both? [Total Stock Market and 500 index]

You can easily end up holding both if you tax loss harvested and the value never dipped again. Heck I ended up with some VV that way.
by sfchris
Fri Jul 07, 2017 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 20465

Re: Seeking advice on 1.2m house purchase

TuesdayGal wrote:
Anything else that I miss (especially Bay Area folks)?
If you can get a job in SF eventually, you might consider getting a rent controlled place here. It's not guaranteed long term due to CA Ellis evictions, but often times it works out and is quite a bit like owning.