Search found 771 matches

by Monsterflockster
Sun Jul 25, 2021 11:58 pm
Forum: Personal Consumer Issues
Topic: Men - need boxer brief recommendations
Replies: 42
Views: 3207

Re: Men - need boxer brief recommendations

Duluth trading company. “It’s a pillow for your pouch”
by Monsterflockster
Thu Jul 22, 2021 8:37 pm
Forum: Personal Consumer Issues
Topic: Which Toys/Experiences Have Brought You The Most Joy?
Replies: 122
Views: 11739

Re: Which Toys/Experiences Have Brought You The Most Joy?

We have spent the last 20 years grinding at work and saving away. I am about to enter my 40s and wanted to loosen the purse strings a bit to make fun memories with the wife and kids. We are still maxing out our 401k savings and contributing to savings in taxable account but want to do some intentio...
by Monsterflockster
Thu Jul 22, 2021 8:31 pm
Forum: Personal Investments
Topic: Am I saving too much for retirement?
Replies: 28
Views: 4710

Re: Am I saving too much for retirement?

Is it possible to save too much for retirement? At first, I was just trying to stock away as much as I could afford into my retirement accounts. I'm mostly invested in VOO and VTSAX. However, a few years ago I started my own business and was able to invest more each year into retirement accounts th...
by Monsterflockster
Thu Jul 22, 2021 8:24 pm
Forum: Personal Consumer Issues
Topic: Calculating the value of solar (a slightly different way?)
Replies: 50
Views: 2740

Re: Calculating the value of solar (a slightly different way?)

Frequently, people take the net cost of a solar system after all rebates/incentives, let's say that's $10,000 for my example, and they divide that by the amount of electricity cost per year that is saved, let's say that is $1,000 for my example. The result is a 10 year "payback period," i...
by Monsterflockster
Thu Jul 22, 2021 8:19 pm
Forum: Personal Investments
Topic: Good start for a 19 year old?
Replies: 20
Views: 1865

Re: Good start for a 19 year old?

OP, you have an amazing start. At your age I lived paycheck to paycheck out on my own. What you have already is a great start. To make things even better you found this site at such a young age. Wish I had!
by Monsterflockster
Wed Jul 21, 2021 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs Public school .. HCOL .. should I upgrade house for good school district ?
Replies: 40
Views: 2433

Re: Private vs Public school .. HCOL .. should I upgrade house for good school district ?

What’s wrong with the public schools? currently where i live: 3-5 out of 10 rating on greatschools.org below average test scores low income students not the kind of school or environment I want to send my kids to I’ve seen kids at the best schools die of drug overdoses and kids from the worst ones ...
by Monsterflockster
Wed Jul 21, 2021 1:09 pm
Forum: Investing - Theory, News & General
Topic: Are we entering an era of diminishing returns ?
Replies: 118
Views: 11891

Re: Are we entering an era of diminishing returns ?

The wealthy will always have ways to make more money. My guess the stock market returns will be just fine... but if not there will be something else to make money on.
by Monsterflockster
Sun Jul 11, 2021 6:06 pm
Forum: Personal Consumer Issues
Topic: Good (and affordable) Running Shoes for Concrete?
Replies: 38
Views: 3004

Re: Good (and affordable) Running Shoes for Concrete?

Hi all, I'm looking to get into a daily running routine. I live in a major downtown area and will therefore have to run on sidewalks (there are no parks/soft surfaces nearby unless I want to drive 20+min each way). I will only be doing short morning runs to ensure I'm staying active and healthy. Do...
by Monsterflockster
Sat Jul 10, 2021 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Houses- Rent VS Buying
Replies: 5
Views: 929

Re: Houses- Rent VS Buying

I've owned a few houses but now I rent for my residence. After a year as a renter I think the $$ difference between owning and buying is about a wash. I'm not saying one is better, I think they're about the same Consider a 350k house (nothing too fancy) around 1800 s.f. In tucson that house rents i...
by Monsterflockster
Fri Jul 09, 2021 12:30 am
Forum: Personal Investments
Topic: HELP, Vanguard said I made a $50K order!
Replies: 38
Views: 4846

Re: HELP, Vanguard said I made a $50K order!

Virtually every website I use for a financial transaction, whether a brokerage, bank or retailer, allows the customer to print the confirmation once the trade, transaction or order is submitted. That can be printed to a PDF and reviewed and retained until the confirmation or statement. In fact, man...
by Monsterflockster
Thu Jul 08, 2021 9:23 am
Forum: Personal Finance (Not Investing)
Topic: How are we doing? First child on the way
Replies: 65
Views: 4542

Re: How are we doing? First child on the way

Hi everyone, I don't post much but I read quite often. I started a thread about a year and a half ago and received some great advice about my wife and I's financial situation. (link to previous thread if interested: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=299351&p=4928564#p4928...
by Monsterflockster
Thu Jul 08, 2021 9:12 am
Forum: Personal Consumer Issues
Topic: has dentistry changed, or is new dentist just a money grubber?
Replies: 116
Views: 11236

Re: has dentistry changed, or is new dentist just a money grubber?

Tingting1013 wrote: Thu Jul 08, 2021 8:07 am
Tubes wrote: Thu Jul 08, 2021 4:24 am What's up with that? I get the gum assessment with the poking device and 1 to 5 scores, and on we go.
Does anyone know whether this is a legit practice? I’ve only had one dentist do this
This is to check gum health. It’s a good thing.
by Monsterflockster
Wed Jul 07, 2021 8:40 pm
Forum: Personal Consumer Issues
Topic: has dentistry changed, or is new dentist just a money grubber?
Replies: 116
Views: 11236

Re: has dentistry changed, or is new dentist just a money grubber?

Nothing like a good dentist post to get bogleheads all riled up. If you go to a new dentist wouldn’t you expect them to take X-rays? Don’t they need a baseline to compare for the future? Are the upselling you or bring thorough? No. I'd expect them to look at the JPG's I provided. It's silly to pay ...
by Monsterflockster
Wed Jul 07, 2021 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford hypothetically?
Replies: 3
Views: 708

Re: How much house can I afford hypothetically?

We have really no intention of moving but I was curious how much house a Boglehead would say we could afford. The reason I’m curious is that we’ve witnessed many friends and acquaintances move multiple times over the years into bigger more expensive houses while we continue to stay put. I can’t rea...
by Monsterflockster
Wed Jul 07, 2021 3:43 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 279
Views: 63141

Re: Bogleheads, tell me about your 40's?

Almost on the other side at 48... * Eyesight...what a bummer. * General health / weight...you need to pay more attention / work at it as your body ages. Some you can control...some you can not. * Old sayings continue to have more meaning...like "life is short" * Mortality becomes more rea...
by Monsterflockster
Wed Jul 07, 2021 3:30 pm
Forum: Personal Consumer Issues
Topic: has dentistry changed, or is new dentist just a money grubber?
Replies: 116
Views: 11236

Re: has dentistry changed, or is new dentist just a money grubber?

Nothing like a good dentist post to get bogleheads all riled up. If you go to a new dentist wouldn’t you expect them to take X-rays? Don’t they need a baseline to compare for the future? Are the upselling you or bring thorough?
by Monsterflockster
Tue Jul 06, 2021 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Traffic violation in CA
Replies: 74
Views: 6443

Re: Traffic violation in CA

software wrote: Wed Jun 30, 2021 11:11 pm 11 mph to go through a red light is pretty fast, nowhere near stopped. You violated the law and got caught, with the evidence they have court is a waste of time. Pay your fine, take the traffic school and move on.
This is all you need to know.
by Monsterflockster
Tue Jul 06, 2021 7:54 pm
Forum: Personal Consumer Issues
Topic: Would I appreciate a proper road bike?
Replies: 49
Views: 3076

Re: Would I appreciate a proper road bike?

Any foot mtb trails near you? If you have a road/hybrid you already enjoy and are near trails maybe consider a good quality mountain bike. I got my Santa Cruz Tallboy 4 a few months ago and love it. A good bike definitely makes you want to get out there and ride more!
by Monsterflockster
Tue Jul 06, 2021 4:04 pm
Forum: Personal Investments
Topic: Pay-down mortgage or dump cash into market?
Replies: 39
Views: 4749

Re: Pay-down mortgage or dump cash into market?

Hoping to get some people’s opinions: 300K cash sitting in our bank account after selling house with 100% equity at the time. Not sure what to do with it as I don’t trust the market: -Dump it all in market now and pay mortgage at 30 year rate? -Put extra 1,000 per month on mortgage payment to pay o...
by Monsterflockster
Tue Jul 06, 2021 3:09 pm
Forum: Investing - Theory, News & General
Topic: The first time in my investing life I'm "fearful"
Replies: 130
Views: 18630

Re: The first time in my investing life I'm "fearful"

I have a confession... I've been investing for about ~22 years now, with some ups and downs. I didn't fully know what I didn't know in late 1999, and as I started plowing money into the market from 2000-2010, I had this idea of "well, the market will magically fix these problems", and it ...
by Monsterflockster
Sun Jul 04, 2021 4:32 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1657
Views: 197517

Re: What frugal thing did you do today?

We agree with you! We are late and mid 60s. We have decided to do everything as long as we can, then use all the money we saved to have it done. Our one acre takes DH almost 4 hours to edge, weed eat and mow (riding and self propelled) but he enjoys it. We have painted guest rooms, our garages, bui...
by Monsterflockster
Sun Jul 04, 2021 10:16 am
Forum: Personal Finance (Not Investing)
Topic: My house isn't selling
Replies: 228
Views: 36141

Re: My house isn't selling

Californiastate wrote: Sat Jul 03, 2021 2:18 pm Where is the dwelling's location?
This.
by Monsterflockster
Sun Jul 04, 2021 12:10 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 275
Views: 52179

Re: What to do when a parent's money runs out?

Fat Tails wrote: Sat Jul 03, 2021 11:29 pm Send the money, but if I were you I’d take over paying the mortgage and property tax and then send her what is left of the $1000 every month. If she loses the house, her problems will be much much worse.

Good luck.
Why is everyone replying on a thread from 8+ Years ago?
by Monsterflockster
Sat Jul 03, 2021 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is your only money regret?
Replies: 166
Views: 16387

Re: What is your only money regret?

Gundy wrote: Sat Jul 03, 2021 10:39 am Not playing Pebble Beach in the 1980s.

I thought $60 was too much when I could play my local muni for $4.
Ouch.

Have made plenty of mistakes... my biggest is selling our home in Silicon Valley at the bottom of the housing crash. Two years later it rebounded. Oops.
by Monsterflockster
Sat Jul 03, 2021 2:41 pm
Forum: Personal Consumer Issues
Topic: California leased solar panels
Replies: 7
Views: 569

Re: California leased solar panels

I’m looking to move to northern CA early 2022 (yes, I know bogleheads will question that, when everyone is moving out of CA, but…). Most of the houses I’ve been looking at have “owned” solar panels; some have “leased.” Every thing I’ve read indicates that, when installing panels, for max benefit, y...
by Monsterflockster
Fri Jul 02, 2021 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is this job offer ruined?
Replies: 134
Views: 16748

Re: Is this job offer ruined?

This board is becoming completely overrun with Bay Area software engineers, who might as well live on a different planet than the rest of us when it comes to compensation, real estate, corporate norms, etc. I can totally see how bwalling's post may make sense for them in that industry, the rest of ...
by Monsterflockster
Wed Jun 30, 2021 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is this job offer ruined?
Replies: 134
Views: 16748

Re: Is this job offer ruined?

I went through four rounds of interviews with a large cap company for a position that is slightly different from my engineering experience. My last interview was last Friday. Prior to starting the process, I discussed my current compensation at my current place of employment with the recruiter. I g...
by Monsterflockster
Mon Jun 28, 2021 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: How are we progressing financially?
Replies: 33
Views: 3567

Re: How are we progressing financially?

I'll try to lay out our situation as simple as possible... Net worth $1,040,000 (approximate) Primary residence- $470k valued (paid off) Rental property- $370k valued (paid off) Pension- $165k (if I were to cash it out right now) 13 years so far Roth IRA- $6K (just started- vtsax) HSA- $6K (just st...
by Monsterflockster
Mon Jun 28, 2021 11:41 pm
Forum: Personal Investments
Topic: How am I doing at 26? What can I do better?
Replies: 23
Views: 2129

Re: How am I doing at 26? What can I do better?

My name is Brandon. Ideas - max out my 401k to take advantage of tax savings - defer some of the money I am saving to an individual investment account instead of savings, if I max out my 401k Goals / Future - I want to own a house in the future, but I am not ready yet for various reasons. For start...
by Monsterflockster
Mon Jun 28, 2021 11:40 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y Ride + Quality
Replies: 190
Views: 17416

Re: Tesla Model Y Ride + Quality

I just purchased one after hemming and hawing about the ride quality. I got the non-performance one with 19” wheels. I really was undecided and even did an overnight test drive. I decided to go for it and am very happy with the car. It’s NOT the ride quality (soft, plush) of a Buick or a Lincoln, s...
by Monsterflockster
Mon Jun 28, 2021 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Entitled To Social Security Payments From Spouse Upon Divorce If Collecting A Pension?
Replies: 10
Views: 1545

Re: Am I Entitled To Social Security Payments From Spouse Upon Divorce If Collecting A Pension?

Hello. I am trying to find resources that will clarify if I would be entitled to a portion of my spouse's social security benefits. We are separating and I am a public employee with a pension. I found this article: https://www.investmentnews.com/social-security-rules-for-divorced-public-employees-6...
by Monsterflockster
Sun Jun 27, 2021 9:03 pm
Forum: Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 72
Views: 9557

Re: What % of your net income do you save (not including 401k/IRA)

My wife and I are fortunate enough to both have good paying jobs, so we are able to max out our 401k's and IRA's each year. I was looking at our net income and it looks like we are able to save about 20% of our net after maxing out these accounts. Our biggest expenses are our home 25% of net ( we p...
by Monsterflockster
Sun Jun 27, 2021 1:49 pm
Forum: Personal Consumer Issues
Topic: Does installing Solar panel roof make sense?
Replies: 11
Views: 1183

Re: Does installing Solar panel roof make sense?

I currently live in 3700 sq feet home and expect to live here for next 20+ years Utility Bill: approximate monthly electricity bill: $136 Averages to about 11 cents per KWH(pretty low) annual power usage: 14500 KWHS I would quality for the federal solar tax credit of 26%, but no meaningful state ta...
by Monsterflockster
Sun Jun 27, 2021 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Yet Another - Sell Rental? post
Replies: 16
Views: 1535

Re: Yet Another - Sell Rental? post

Inspired by the Atwater28's discussion here https://www.bogleheads.org/forum/viewtopic.php?p=6085159#p6085159 I started doing more research on my own situation and I'm pretty certain the right answer is to sell but I seek your guidance and thoughts. The condo is located in Las Vegas, NV close to Ne...
by Monsterflockster
Sat Jun 26, 2021 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: House prices expected to drop?
Replies: 97
Views: 10577

Re: House prices expected to drop?

UpperNwGuy wrote: Sat Jun 26, 2021 7:18 am Staying put is often the best choice.
+1
by Monsterflockster
Thu Jun 24, 2021 10:19 pm
Forum: Personal Consumer Issues
Topic: What was your best quality of life improvement for $1000?
Replies: 142
Views: 14276

Re: What was your best quality of life improvement for $1000?

Down payment on a really, really good bike.
by Monsterflockster
Wed Jun 23, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Bogleheads, Tell Me About Your 30s?
Replies: 118
Views: 14302

Re: Bogleheads, Tell Me About Your 30s?

There is currently one of the best threads I have ever read on this forum about Bogleheads in their 40s -- https://www.bogleheads.org/forum/viewtopic.php?f=11&t=150764 I am 33, but I have bookmarked the thread for continuous reading. It got me thinking about my own current decade, the 30s, and ...
by Monsterflockster
Wed Jun 23, 2021 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Best rule of thumb for car purchase: 5% of net worth or 10% of yearly income (whichever is greater)
Replies: 118
Views: 5185

Re: Best rule of thumb for car purchase: 5% of net worth

bwalling wrote: Wed Jun 23, 2021 8:06 am The median net worth for people under 35 is $13,900. 5% of that is $695, which might not even get you an annual bus pass.
+1.
by Monsterflockster
Wed Jun 23, 2021 9:37 am
Forum: Personal Consumer Issues
Topic: What's your thoughts on moving to Tennessee?
Replies: 52
Views: 6344

Re: What's your thoughts on moving to Tennessee?

We are in Florida now and the state is getting overrun with transplants and rampant over-development. We are very motivated to live in a income tax free state and Tennessee this year repealed their state tax on dividends and interest so it caught our attention. The climate is mild (although winters...
by Monsterflockster
Tue Jun 22, 2021 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Buy and hold blighted property in neighborhood with future potential
Replies: 50
Views: 3415

Re: Buy and hold blighted property in neighborhood with future potential

I live within walking distance of mostly rundown town which shares the border with our medium-sized, mostly gentrified city. For complicated reasons, this town has been in decline since the 60s, with many falling down homes, poverty, and crime issues. The downtown has great "bones" from i...
by Monsterflockster
Mon Jun 21, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much does [Seattle area] private school cost?
Replies: 51
Views: 3232

Re: How much does [Seattle area] private school cost?

Bogleheads is an interesting place... there are those who argue $10 charges from the dentist for pPE during a pandemic and don’t use twist ties on produce while others drop 20k or more a year for K-12 education.
by Monsterflockster
Sun Jun 20, 2021 12:44 pm
Forum: Personal Consumer Issues
Topic: What are good wineries near Saratoga?
Replies: 5
Views: 542

Re: What are good wineries near Saratoga?

We will be spending a few days in Saratoga, CA in the near future. I’ve read that there are a number of wineries very close by to visit. While we’ve been to wineries in Sonoma Valley on previous trips to California, we are not familiar with any of the wineries I see listed around Saratoga. Do you h...
by Monsterflockster
Fri Jun 11, 2021 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: HVAC / Landlord
Replies: 55
Views: 3711

Re: HVAC / Landlord

cheese_breath wrote: Fri Jun 11, 2021 10:14 am I think your solution is to move.
+1. They will do nothing. Unfortunately your choices are to live with it or move.
by Monsterflockster
Thu Jun 10, 2021 11:30 pm
Forum: Personal Consumer Issues
Topic: What to do with car that flooded
Replies: 38
Views: 3198

Re: What to do with car that flooded

A couple weeks ago I was driving in the dark during a heavy rainstorm and turned into a poorly lit neighborhood street that apparently had a clogged storm drain resulting in about a foot of water on the road. When my 2016 Toyota Camry XSE with just over 100k miles hit that water the engine stalled ...
by Monsterflockster
Mon Jun 07, 2021 10:49 pm
Forum: Personal Consumer Issues
Topic: plumber cost to "run snake to unclog pipes"
Replies: 66
Views: 4620

Re: plumber cost to "run snake to unclog pipes"

I facilitated getting a plumber to help my inlaws deal with slow running drain. Issue - kitchen sink drains slow...when they use the upstairs bathtub/shower which is above kitchen - they noted the kitchen sink backed up. There was no issue with the P trap as I had checked it when I was in town on a...
by Monsterflockster
Mon Jun 07, 2021 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Which house to buy if you like them both?
Replies: 26
Views: 2338

Re: Which house to buy if you like them both?

#2 was a nice house. But I’m interested in why so many houses now seem to have cement all the way from the sidewalk to the front door in huge driveways. I like a front yard and a walkway.
by Monsterflockster
Mon Jun 07, 2021 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40 and need advice
Replies: 13
Views: 2340

Re: Approaching 40 and need advice

Not sure what you are looking for but looks like you are on track. Unless the fees are insane use that extra money each month to max out her 401k.
by Monsterflockster
Sun Jun 06, 2021 9:32 am
Forum: Investing - Theory, News & General
Topic: Jump in or Dollar Cost Ave?
Replies: 17
Views: 1393

Re: Jump in or Dollar Cost Ave?

I have owned quite a few shares of Wellington Fund Admiral (VWENX) for quite a few years. I am concerned that as interest rates rise, the 33 % bond part of Wellington will be a drag on it's performance. Actually looking at Vanguard's website, VTI has out performed Wellington over the last 1, 3, 5 a...
by Monsterflockster
Sat Jun 05, 2021 9:19 am
Forum: Personal Consumer Issues
Topic: Potentially foregoing raffle that was won
Replies: 22
Views: 3332

Re: Potentially foregoing raffle that was won

Kids are in a private school and we were fortunate enough to have been open since September 2020 in MOSTLY an in-person setting. Parents were asked to help with watching classes at lunch time in order for the teachers to get a break during the day and based on the number of times you volunteered th...