Search found 377 matches

by anonsdca
Mon Aug 03, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: online trading for Mac OS (web)
Replies: 12
Views: 677

Re: online trading for Mac OS (web)

I use a MacBook and have for a long time. All brokers I have used work well with a mac. My current brokers - Interactive Brokers, TDAmeritrade (formerly Scotttrade), Schwab & Fidelity. I have never had an issue with any of these. I work on Safari exclusively tho and I make investments on my paydays.
by anonsdca
Mon Jul 27, 2020 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: We are planning a lifestyle move to a new city in five years and would like to get your take.
Replies: 30
Views: 3516

Re: We are planning a lifestyle move to a new city in five years and would like to get your take.

Culture in San Diego? Unless you are going to live in a very affluent city like LaJolla, Carmel Valley, etc.(and not much culture there anyway), the culture you are heading for is the Mexican culture. Take that great savings and head to a nice town in Mexico because in either place you will be spea...
by anonsdca
Mon Jul 27, 2020 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: We are planning a lifestyle move to a new city in five years and would like to get your take.
Replies: 30
Views: 3516

Re: We are planning a lifestyle move to a new city in five years and would like to get your take.

Culture in San Diego? Unless you are going to live in a very affluent city like LaJolla, Carmel Valley, etc.(and not much culture there anyway), the culture you are heading for is the Mexican culture. Take that great savings and head to a nice town in Mexico because in either place you will be spea...
by anonsdca
Mon Jul 27, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: We are planning a lifestyle move to a new city in five years and would like to get your take.
Replies: 30
Views: 3516

Re: We are planning a lifestyle move to a new city in five years and would like to get your take.

We plan to fund our retirement account as much as we can in the next five years while we are in a relatively cheap Midwest and then move to a bigger city in the West for weather and culture. We plan to offset the high cost of living by reducing our retirement savings. We are in our early (DW) and l...
by anonsdca
Mon Jul 27, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: We are planning a lifestyle move to a new city in five years and would like to get your take.
Replies: 30
Views: 3516

Re: We are planning a lifestyle move to a new city in five years and would like to get your take.

We plan to fund our retirement account as much as we can in the next five years while we are in a relatively cheap Midwest and then move to a bigger city in the West for weather and culture. We plan to offset the high cost of living by reducing our retirement savings. We are in our early (DW) and l...
by anonsdca
Mon Jul 27, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: We are planning a lifestyle move to a new city in five years and would like to get your take.
Replies: 30
Views: 3516

Re: We are planning a lifestyle move to a new city in five years and would like to get your take.

We plan to fund our retirement account as much as we can in the next five years while we are in a relatively cheap Midwest and then move to a bigger city in the West for weather and culture. We plan to offset the high cost of living by reducing our retirement savings. We are in our early (DW) and l...
by anonsdca
Sun Jul 26, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: TV antenna
Replies: 48
Views: 2288

Re: TV antenna

How far away are you from the TV towers? We tried the indoor antennas but poor/no reception. Put a larger antenna in the attic , and it works great Mike I am not sure. We're in the western suburbs of Chicago about 30 miles from downtown. I could get a larger one in the attic, but I'm not crazy abou...
by anonsdca
Fri Jul 17, 2020 4:50 pm
Forum: Personal Investments
Topic: California Turbo Tax Users
Replies: 11
Views: 704

Re: California Turbo Tax Users

I filed California around 8pm last night , and got an acceptance message around 1pm this afternoon. I filed right about the same time as you last night. Nothing yet, but the Fed and my other state already accepted. My CA state was accepted, but I had to log back into TT to see that. I never got an ...
by anonsdca
Thu Jul 16, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to set it such that no taxes are withheld?
Replies: 9
Views: 601

Re: How to set it such that no taxes are withheld?

I'm trying to set it such that no taxes are withheld from my income. I'm a W-2 income and I want to pay taxes manually to increase CC spend (signup bonus that kind of stuff). I'm looking at the W4 form and there's no way to do this? I know people set a higher number of allowance to get no taxes wit...
by anonsdca
Thu Jul 16, 2020 6:42 pm
Forum: Personal Investments
Topic: California Turbo Tax Users
Replies: 11
Views: 704

Re: California Turbo Tax Users

Eazyndn wrote:
Thu Jul 16, 2020 6:35 pm
I filed California around 8pm last night , and got an acceptance message around 1pm this afternoon.
I filed right about the same time as you last night. Nothing yet, but the Fed and my other state already accepted.
by anonsdca
Tue Jul 07, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Passport Renewal
Replies: 21
Views: 2799

Re: Passport Renewal

I haven't seen this topic addressed--so interested in others feedback. I sent my passport renewal in early Feb 2020. The State Department website reflected that they received my application and passport 2-18-20. I felt good. General 4-6 weeks for processing. Then Rona hit. Mid-Rona, the website sti...
by anonsdca
Tue Jun 30, 2020 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102202

Re: Best CD rates thread

CUs are interesting. The typical CD search sites seem to only provide Ally, Marcus, etc. For today, NGFCU has 60 month at 1.51% but may drop after 1-July. Sure beats a Treasury or Brokered CD. https://www.ngfcu.us/rates/termrates.aspx Join via "Members of the Southern California Historical Aviation...
by anonsdca
Tue Jun 30, 2020 11:46 pm
Forum: Personal Consumer Issues
Topic: Spectrum cord-cutting question
Replies: 5
Views: 614

Re: Spectrum cord-cutting question

We currently have Spectrum for tv and internet. TV select is $72.49. Receiver is $7.99. DVR is $12.99. Broadcast TV surcharge is a whopping $13.50. We have been considering cutting the cord, but I just saw the YouTube TV price increase today. I imagine the rest of the streaming services won’t be fa...
by anonsdca
Sat Jun 27, 2020 1:48 am
Forum: Investing - Theory, News & General
Topic: Investing vs working
Replies: 67
Views: 5269

Re: Investing vs working

If there's a tipping point where one makes more investing than from labor it's likely nowhere near the median here in the US. I'm mid-50s, fairly close to a median earner, and also close to average investment holdings for my age (likely above the median, though -- I'm not sure even half of adults i...
by anonsdca
Mon Jun 22, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13857

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

"Guess what? Doctors are expensive. If the bill is accurate and your insurance company has paid its portion, then it’s time for you to pay your portion. If you don’t like the deal you made with your insurance company or the deal the insurance company made with the doctor on your behalf, then go to ...
by anonsdca
Tue Jun 16, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Retiring Abroad
Replies: 109
Views: 11255

Re: Retiring Abroad

As someone who teaches both sail and power boaters, it is not wise to just learn along the way. Sure, there are lots of happy endings. However, the unhappy endings are proportionately higher if you don't take the time to get to know your boat, sailing, weather and navigation before you start out. A...
by anonsdca
Sat Jun 06, 2020 12:58 am
Forum: Personal Consumer Issues
Topic: Passport Renewal
Replies: 21
Views: 2799

Passport Renewal

I haven't seen this topic addressed--so interested in others feedback. I sent my passport renewal in early Feb 2020. The State Department website reflected that they received my application and passport 2-18-20. I felt good. General 4-6 weeks for processing. Then Rona hit. Mid-Rona, the website stil...
by anonsdca
Fri May 29, 2020 7:51 pm
Forum: Personal Investments
Topic: DraftKings?
Replies: 25
Views: 1966

Re: DraftKings?

I am a big believer in PENN mainly because of barstool. I’m young so I’m deep into their content which is really impressive. Especially with the amount of interactions they get per post. It’s incredible. Very active community. Bought PENN at 5.57 lol You should know about Seeking Alpha. If you dont...
by anonsdca
Thu May 28, 2020 8:05 pm
Forum: Personal Investments
Topic: Overpay for the home we love?
Replies: 62
Views: 4992

Re: Overpay for the home we love?

"...however I should be able to rent it out when we move..."

Not sure why you buy at all if you are already planning to move? I would not overpay for it, it would just eat at me the rest of the time I spent there.
by anonsdca
Wed May 27, 2020 6:41 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 40
Views: 2194

Re: How to avoid tinkering?

I'm 27 married (26) 300-320k combined income in a very low cost of living area. We are 70/30 US total market/international across 401ks, Roth IRA, and taxable. We both just graduated so we're at about 80k across all accounts now but we contribute nearly 6k a month to those accounts now so growing v...
by anonsdca
Wed May 27, 2020 4:33 pm
Forum: Personal Investments
Topic: How to invest lots of maturing CDs in this investment climate
Replies: 55
Views: 20722

Re: How to invest lots of maturing CDs in this investment climate

In the same boat. Mine comes due in Oct. It was a 9-month CD at 2.5% at my local credit union opened in Feb. I keep my EF at Comenity at 1.5% HY Savings. I need to figure something out.
by anonsdca
Wed May 27, 2020 6:15 am
Forum: Personal Consumer Issues
Topic: How can I use 6 weeks of vacation in the next 6 months in the Covid era?
Replies: 37
Views: 3427

Re: How can I use 6 weeks of vacation in the next 6 months in the Covid era?

Basically, I need to take one week of vacation per month for the next six months (If I don’t use it by December, I will lose it). I can also do a single 2 week vacation and four 1 week vacations. Travelers are two adults and a six year old. We do not own an RV (wish we did!) Starting location is Sa...
by anonsdca
Mon May 25, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: New TVs with built-in Roku
Replies: 51
Views: 2673

Re: New TVs with built-in Roku

Anyone have one of these? Can you ignore the built-in Roku and use your own? Any reason to do this or not to do this? Just wondering. No immediate plan to buy but I like to keep up with the current state of the art. I have had two for the past few years. I love them. I--like others--dont know why y...
by anonsdca
Mon May 25, 2020 5:15 pm
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 27
Views: 1910

Re: Air conditioner stocks

I know, I know, I'm a 3-fund portfolio holder, too, with small-cap value tilt (and I have a tilt on a couple of tech stocks due to RSUs of companies I worked for, which is treating me well). So, based on the info above, please take a break from Bogle-"heads" (which I'm one of), and think outside a ...
by anonsdca
Sun May 24, 2020 10:10 am
Forum: Investing - Theory, News & General
Topic: Businesses that are permanently destroyed due to COVID?
Replies: 34
Views: 2898

Re: Businesses that are permanently destroyed due to COVID?

Even though COVID may seem like a once in a lifetime incident, I feel like the restaurant industry is going to have to completely rethink it's model. Who will invest in a business (that's already infamously difficult to succeed in) that will fold the second another event like this hits? Buffets, in...
by anonsdca
Sun May 24, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: Owning Top Stocks in Each Sector?
Replies: 26
Views: 1511

Re: Owning Top Stocks in Each Sector?

For the fun of it, I have been thinking about using a small portion of my equity allocation to purchase stock of the top company (by market weight) in each of the 11 S&P 500 sectors, at equal weight. I'm just wondering if anyone has done this, or any thoughts on this? Thanks. Why dont you just pick...
by anonsdca
Tue May 12, 2020 1:32 am
Forum: Personal Investments
Topic: Thinking I should sell my rental - Change my mind
Replies: 5
Views: 836

Re: Thinking I should sell my rental - Change my mind

I was a landlord and rented a house for five years, sold it in 2019. Great experience, and I had planned to do it again, then all this happened. I have completely done a 180. I would absolutely never, ever risk my money on a rental property again when the country, state, city, whatever can just will...
by anonsdca
Sun May 03, 2020 2:38 pm
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5549

Re: Do you keep moving your cash around chasing yield?

I typically don't but recently ended up with some cash from a sale of property that I won't likely need for a number of months. After some input from others here I went ahead and invested that plus much of my Vanguard money market balance into Marcus Bank no penalty CDs. When things are in flux as ...
by anonsdca
Sun May 03, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Chase Bank Account
Replies: 11
Views: 1551

Re: Closing Chase Bank Account

If you want to avoid going to the bank in person what is the best way and order to close checking/saving accounts? 1. Should I withdraw/transfer all money first? 2. Should I email them to close the account w/o withdrawing the money? 3. ? If I do #1 I'm concerned there may be some kind of minimum ac...
by anonsdca
Mon Apr 27, 2020 10:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 124
Views: 11245

Re: Anyone wish they would have invested more during recent downturn?

Have continued to invest the same. Just as I always do from 2x month paydays. I have gotten some nice buys in there and excited about the future.
by anonsdca
Mon Apr 27, 2020 11:03 am
Forum: Personal Investments
Topic: Help me find the weakness in this FIRE Portfolio
Replies: 94
Views: 4340

Re: Help me find the weakness in this FIRE Portfolio

TLDR: I think I found an ideal FI(RE) portfolio for all times of accumulation and retirement -- show me where I am wrong No, you havent. Any FI, or FIRE, or ER portfolio needs to be predicated on income. Income to cover your expenses. The mere idea of any withdrawal rate to be successful is just to...
by anonsdca
Sun Apr 26, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3432

Re: Have you tracked spending during quarantine?

Have tracked spending for the past 10 years vigorously. Virus has nothing to do with that (or much other). I dont think you can even think successfully about retirement without expenses being the focal point.
by anonsdca
Sat Apr 25, 2020 5:01 pm
Forum: Personal Investments
Topic: Early retirees who were close - how are you adjusting
Replies: 45
Views: 6211

Re: Early retirees who were close - how are you adjusting

This question is to any early retirees here (<= 55 years old) who were very close to retirement and had just reached a number to support the 4% rule. Now that your portfolio has fallen quite a bit have you decided to go ahead and retire anyway, pushed out your retirement date or decided to retire b...
by anonsdca
Fri Apr 24, 2020 11:29 pm
Forum: Personal Investments
Topic: Help me find the weakness in this FIRE Portfolio
Replies: 94
Views: 4340

Re: Help me find the weakness in this FIRE Portfolio

TLDR: I think I found an ideal FI(RE) portfolio for all times of accumulation and retirement -- show me where I am wrong No, you havent. Any FI, or FIRE, or ER portfolio needs to be predicated on income. Income to cover your expenses. The mere idea of any withdrawal rate to be successful is just to...
by anonsdca
Fri Apr 24, 2020 8:47 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 93
Views: 10703

Re: Dave Ramsey against index funds?

Esq123 wrote:
Thu Jun 28, 2018 7:09 pm
Hi all-

...and believes you can find funds that beat the market...



There are many ways to beat the market. A fund is just one way. However, that is not the philosophy here as you can see.
by anonsdca
Thu Apr 23, 2020 5:28 pm
Forum: Non-US Investing
Topic: CEFs and Income Investing.
Replies: 11
Views: 624

Re: CSFs and Income Investing.

Sorry, I cannot help. There are a couple of authors specializing in CEFs on SA. Here is one. You might just reach out to some of them?

https://seekingalpha.com/article/433716 ... ch-27-2020
by anonsdca
Wed Apr 22, 2020 11:51 pm
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 5126

Re: How much to tip on DoorDash?

These services will all be disrupted at some point because their costs/fees are really ridiculous. Just like Airbnb (used to be a cheaper option) but it is not anymore by a LONG shot because of the extra fees. Here is my last Door Dash receipt details (March 29--height of panic): Subtotal - $53.45 (...
by anonsdca
Wed Apr 22, 2020 11:37 pm
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5713

Re: Costco Delivery

I went to Costco for the first time since the Rona panic today. No TP (didn't need any), but they had pretty much everything else. I went early and the crowds were minimal and I am on the West Coast. The only other thing they didn't have I usually get was a 25lb bag of brown rice. I did get white, b...
by anonsdca
Wed Apr 22, 2020 5:21 am
Forum: Personal Consumer Issues
Topic: RV/Camper in Corona Virus Times
Replies: 23
Views: 1746

Re: RV/Camper in Corona Virus Times

I am optimistic and think this will be temporary. Consider the other pandemics of the 21st century: SARS, H1N1, etc. They didn't make much headway here in the states but in Asian countries, it was severe. However, travel in those countries eventually recovered. Fairly quickly, too. I have a wedding...
by anonsdca
Tue Apr 21, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Likelihood of July travel
Replies: 14
Views: 1736

Re: Likelihood of July travel

Anyone have any predictions about whether domestic air travel will be possible in July? My wife and I had planned a trip to Tennessee, just curious whether we should start thinking about cancelling it. Isn't it possible right now? I wasn't aware domestic flights were cancelled, just limited. Most--...
by anonsdca
Tue Apr 21, 2020 9:12 pm
Forum: Personal Consumer Issues
Topic: Likelihood of July travel
Replies: 14
Views: 1736

Re: Likelihood of July travel

Anyone have any predictions about whether domestic air travel will be possible in July? My wife and I had planned a trip to Tennessee, just curious whether we should start thinking about cancelling it. Isn't it possible right now? I wasn't aware domestic flights were cancelled, just limited. Most--...
by anonsdca
Tue Apr 21, 2020 8:37 pm
Forum: Personal Investments
Topic: RDS.A vs. RDS.B – quickie question, please help!
Replies: 6
Views: 489

Re: RDS.A vs. RDS.B – quickie question, please help!

So, I've read about 5 different posts explaining the differences. But the most recent one said that the tax implications of Shell A vs. B shares have changed recently. Here's my question – if I wanted to purchase Shell shares – in a general brokerage account, NOT a retirement account – should I be ...
by anonsdca
Thu Apr 16, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4481
Views: 308374

Re: Refinance Mega Thread

Bit the bullet and locked 3% 30yr fixed with LenderFi today. We were offered 3.125 no cost or $400 for the 3%. We spent the $400. I feel like rates may drift downward and maybe hit bottom in June but I'd rather just get this thing closed and start enjoying the lower payment, it's a lot of savings c...
by anonsdca
Wed Apr 15, 2020 1:48 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 360
Views: 29128

Re: [Government stimulus payments]

Got mine today $2400
by anonsdca
Wed Apr 15, 2020 1:16 am
Forum: Personal Consumer Issues
Topic: Where have you eaten out recently?
Replies: 21
Views: 1507

Re: Where have you eaten out recently?

Our last meal "out" was on March 12th, but we've gotten pizza a couple times from the Mellow Mushroom (Atlanta area). Jealous, I haven't had Mellow Mushroom since I left North Carolina in 08. I just tried a new place called Birdseye, maybe the best Thai I've ever had. This thread is kind of pointle...
by anonsdca
Tue Apr 14, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 360
Views: 29128

Re: Did anyone get their stimulus check yet? POST IT HERE FIRST!

MotoTrojan wrote:
Tue Apr 14, 2020 2:14 pm
Already a thread on it.
That thread was more of a "what are you going to do with your check", but since then, I have been checking and nothing yet for me.
by anonsdca
Mon Apr 13, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Moving states to avoid capital gains taxes
Replies: 42
Views: 3864

Re: Moving states to avoid capital gains taxes

I did exactly what you are suggesting - but for a different reason. I did it for the "payroll" state tax break. No state income tax was a massive raise for me. I kept my house and rented it out for five years, sold last year. CA takes a cut of your quarterly rental earnings (can recall the percent b...
by anonsdca
Fri Apr 10, 2020 11:44 pm
Forum: Investing - Theory, News & General
Topic: Why do investors say stock picking is risky?
Replies: 79
Views: 4423

Re: Why do investors say stock picking is risky?

jjface wrote:
Fri Apr 10, 2020 11:38 pm
Maybe you thought cruises would be a good buy at the start of the year....
I am sure all the cruise ship stocks are in all the holdings of most Bogleheads. They must be because they buy the "whole market".
by anonsdca
Fri Apr 10, 2020 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Executive pay cut request: How to respond?
Replies: 130
Views: 13245

Re: Executive pay cut request: How to respond?

I guess I don't understand this post. Someone said you are making a $1M salary? Not sure where that comes from, how do they know, but if so... Isn't the question--do I have enough saved, invested, EF (inner & outer rings) to detach and purse this "side project"? I mean really, it would not take me m...