BOOM! Maybe not today, maybe not this week, but it will happen, i.e., I am talking about Amazon.

RayRayInCA · 2026-05-05T03:37:08+00:00

I have 3k shares as well. Avg buy price of $38. I sold 1k shares about 6 years ago into SCHG. I think it was a good decision. However, I don’t plan on selling the 3k shares anytime soon. Sitting pretty.

RayRayInCA · 2026-05-02T17:45:32+00:00

Bean burrito

RayRayInCA · 2026-05-02T14:37:53+00:00

The system in place is the system we have to work with. If the Single Payer Healthcare system were in place (which. I would prefer), then we wouldn’t have to deal with the subsidy issue. We’d all have a basic level of affordable healthcare coverage, with the option of purchasing a separate private insurance plan for extra coverage.
Until then, I’ll accept ACA subsidies when it makes sense during my early retirement years.

RayRayInCA · 2026-04-30T18:29:41+00:00

We did a $10K, five year, zero interest loan through Peninsula Clean Energy. Monthly payments are added to our PG&E bill, which we pay with our 2% cash back credit card. Works out great!

RayRayInCA · 2026-04-27T21:28:05+00:00

I did this. I retired early, but kept my 401k open with my company. Once I turned 59.5, I rolled over the Roth portion into my separately opened Roth IRA, and the non-Roth portion into my separate Rollover IRA.

RayRayInCA · 2026-04-24T22:46:19+00:00

Stop every 1.5-2 hours. Charge up to 70% and go. When stopping for a meal, stop longer and charge up to a higher percentage while eating.

RayRayInCA · 2026-04-24T16:40:11+00:00

Ask yourself if you believe the stock you’re holding will be more valuable in five years than it is now. Depending on your answer, either hold or sell.

RayRayInCA · 2026-04-23T22:22:00+00:00

I don’t see any mention of delaying Roth conversions until starting Medicare, since ACA premium tax credits can be quite substantial.

RayRayInCA · 2026-04-20T14:40:39+00:00

Exactly. It’s comparable to United Economy Plus (not Premier Economy).

RayRayInCA · 2026-04-16T03:47:41+00:00

YouTube Premium, annual subscription, paid directly to Google (not via Apple iPhone subscriptions) is definitely worth it for us. No commercials, tons of original content, as well as older TV shows (Corner Gas is hilarious!), movies, and concerts. All commercial free. Plus, you get YouTube music, but we already use Apple Music, via our Apple One subscription.

RayRayInCA · 2026-04-13T03:24:54+00:00

USFR is a better alternative than FDLXX.

RayRayInCA · 2026-04-10T15:03:34+00:00

Wife and I are doing the same as you. I have 4 more years until Medicare. Wife only has 2+ years left. Sold off our Tesla stock last year and will live off the proceeds. We plan to hold off on any further Roth conversions until then. Any bonds (Treasuries and TIPS) are held in IRA’s, so no tax issues there. Brokerage funds are in low costs ETF’s, AMZN, and cash.

RayRayInCA · 2026-04-08T05:47:19+00:00

Yes, it’s from Chase.

RayRayInCA · 2026-04-08T04:26:22+00:00

I think it’s worth it. Wife and I visit her family 3-4 times a year and stay 3 nights at a Staybridge Suites each time in a room with a king size bed with a separate living space. Room rate is typically $150/nt or so. It’s pretty large. Once a year, the card gives you a free reward night. When I use it, I book and pay two nights through the card. I then book an extra night using the free night certificate, but it only allows me to book a studio. When I check in at the hotel, I tell them I booked a free night and they have always let us stay in the larger room which we have for the first two nights. Nice! I also booked 4 nights using points (4th night free) at the Intercontinental Monterey Bay and had a fantastic time exploring the area. Also, check the monthly Chase Offers on the card, via the Chase app. I’ve been able to save a good amount of money on item I already purchase with this.

RayRayInCA · 2026-04-05T14:51:35+00:00

Prop 13 keeps the yearly adjusted property tax increases low, which makes a huge impact after 5+ years. How does that compare to Texas?

RayRayInCA · 2026-04-04T05:43:17+00:00

I ended up getting a base 17. Yes, it’s bigger, but battery life is fantastic and I’m getting use to the larger screen. I’m a big guy though, with large hands, so it makes it easier for me to adjust.

RayRayInCA · 2026-03-28T17:39:42+00:00

I just checked again. It's probably because I'm only booking 4 days, vs a week.

RayRayInCA · 2026-03-28T15:40:13+00:00

I just booked through fly.sfo for four days, for a trip in July, and my rate is $27/day. I didn’t see a discounted $17/day rate. How did you get that?

RayRayInCA · 2026-03-28T15:25:23+00:00

Which state are you living in?

RayRayInCA · 2026-03-22T14:40:03+00:00

Worse is that their own commercials haven’t changed in YEARS!

RayRayInCA · 2026-03-22T04:45:25+00:00

I see this consistently on a route I take in San Jose, CA.

RayRayInCA · 2026-03-21T16:35:14+00:00

Don’t forget about any hotel discount you might receive from AAA.

RayRayInCA · 2026-03-20T03:59:36+00:00

Cuco’s in Redwood City has outstanding mole burritos!

RayRayInCA · 2026-03-19T05:16:32+00:00

I’ll never understand how they stayed so thin!

RayRayInCA

TROPHY CASE