Search found 688 matches

by William4u
Thu Sep 03, 2015 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Any bad experiences with Online banking?
Replies: 37
Views: 2990

Re: Any bad experiences with Online banking?

Have you tried Alliant Credit Union? I've been quite happy with them. The on-line web page is very user-friendly. As for customer service, the only time I've ever had to call, they answered the call on the first ring. My main gripe with financial institutions these days is that they shunt you into ...
by William4u
Sat Aug 29, 2015 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Poor quality investment choices at work
Replies: 17
Views: 906

Re: Poor quality investment choices at work

You have some great choices here. Not only are the funds others mention above good, but their version of "target retirement" funds (called "UC Pathway") are very good and cheap at 15bp... https://ucfocusonyourfuture.mysecurebenefitsportal.com/Content/downloads/UC_Pathway_2060.pdf...
by William4u
Fri Aug 28, 2015 9:12 pm
Forum: Investing - Theory, News & General
Topic: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.
Replies: 22
Views: 2781

Re: The Oft-Ignored Fact: Real stock returns were only 2.2% since 1870.

2.2% would be a great return given that it doesn't count inflation and dividends! I would love those kind of returns.
by William4u
Thu Aug 27, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: Nissan Versa Note SV
Replies: 15
Views: 1460

Re: Nissan Versa Note SV

The Nissan Versa Note, the Toyota Yaris, the Hyundai Accent, Kia Rio, and the Honda Fit are all similar vehicles in the same class. Consumer Reports seems to think that the Honda Fit is superior to the others in this class. Here is a The Fast Lane Car video comparing the Note to the Fit in some deta...
by William4u
Thu Aug 20, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 47
Views: 3365

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

Your tires look A-W-F-U-L. Awful! Please get new tires. Those things are dangerous!
by William4u
Thu Aug 13, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3710

Re: Is 401K Match included when someone asks you how much you make per year?

When I am comparing job offers I include the 402k/403b match. There can be big differences.
by William4u
Wed Aug 05, 2015 2:46 am
Forum: Personal Consumer Issues
Topic: College applications: Extracurricular activities, Athletics
Replies: 9
Views: 1048

Re: College applications: Extracurricular activities, Athletics

Study for the SAT/ACT an hour or two a day for 4 years before you take it for real. Your scores weigh heavily at many colleges, and studying slowly over time increases the score dramatically. A high SAT/ACT score can be as or more important than grades at some places. The people who write the SAT al...
by William4u
Sat Aug 01, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 9245

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

How to advice a young person what to study in college and what job to have for a career? My being associated with so many HR new-hire reviews, your top priority should be basic English and spelling. Without a focus on that, you will find that most employers will take your resume and toss it in the ...
by William4u
Fri Jul 31, 2015 5:53 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 4142

Re: FWD vs AWD (Vehicle)

... 2. Snow tire option. My tire center (who also does mechanical work on our vehicles) gave an endorsement for the winter tire option. He gave me a budget price of $200 per tire and then $90 to change all. He cautioned to purchase the tires by Oct 1st. Oct 1st for sure! Where we live by mid-to-lat...
by William4u
Fri Jul 31, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 9245

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

NHRATA01's post is a good one. I had the option of an MD or PhD. I did the PhD, and then had the option of academia or industry. I choose academia and it worked out for me, but I actively discourage it for others now. See this discussed here... https://www.bogleheads.org/forum/viewtopic.php?t=140509...
by William4u
Thu Jul 30, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 8687

Re: Who are you able to share good financial news with?

I can tell my wife, obviously. I can tell some very close friends and family some things, but only those who are bogleheads who are as well off as we are. Other members of the family know we are comfortable, but we don't talk about it.
by William4u
Tue Jul 28, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 4142

Re: FWD vs AWD (Vehicle)

There are no large-n double blind studies on this issue, so there is no gold-standard science to back up any claims here. The preponderance of the evidence from various car mags is in favor of the winter tires over AWD with all seasons all things considered. Here are some Consumer Reports articles t...
by William4u
Tue Jul 28, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 4142

Re: FWD vs AWD (Vehicle)

My wife and I live in a place that is frozen solid the whole winter. We only use FWD cars with Michelin Ice X3 snow tires, and they work great. We got 113 inches of snow one winter recently, and were fine. The AWD cars without snow tires do much more poorly. It isn't even close. Consumer Reports sa...
by William4u
Tue Jul 28, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 4142

Re: FWD vs AWD (Vehicle)

My wife and I live in a place that is frozen solid the whole winter. We only use FWD cars with Michelin Ice X3 snow tires, and they work great. We got 113 inches of snow one winter recently, and were fine. The AWD cars without snow tires do much more poorly. It isn't even close. Consumer Reports sa...
by William4u
Tue Jul 28, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 4142

Re: FWD vs AWD (Vehicle)

My wife and I live in a place that is frozen solid the whole winter. We only use FWD cars with Michelin Ice X3 snow tires, and they work great. We got 113 inches of snow one winter recently, and were fine. The AWD cars without snow tires do much more poorly. It isn't even close. Consumer Reports say...
by William4u
Tue Jul 28, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 23
Views: 1325

Re: Fuel injector cleaning

wander wrote:I pour techron in fuel tank every 5 - 10k miles. My cars are at 230k and 350k miles right now. Not sure if any of it helps but I do follow advice.


What two cars are those? Just curious.
by William4u
Sat Jul 25, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 4099

Re: Low mileage oil change

My trusted mechanic and my owner's manual say every 6 months if you don't reach the mileage requirement. For cars that use synthetic oil, its every 12 months. +1 I agree with this. Short trips can be very, very hard on the oil. Oil needs to be changed more often per mile if the car is only driven i...
by William4u
Mon Jul 20, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 1626

Re: 2007 Toyota Camry Issue

I've done those things myself on my car. They are normal wear and tear items on an older car, although my toyota went about 175k miles and 12 years before needing this service. 8 years and 62k is too soon for this service. It isn't an emergency repair, and you may be able let it go for a few months ...
by William4u
Sat Jul 18, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4560

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

Flush brake fluid - every 2 years Flush radiator coolant - every 3-4 years or 60k miles Differential fluid drain and fill - every 60k miles ATF drain and fill - every 30 k miles I have a 2011 Civic with around 57k miles and I don't know that any of these have ever been done. They should be done. Yo...
by William4u
Sat Jul 18, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5823

Re: The " Corolla" investment....

Thanks for posting this as it makes me feel better about keeping my wife's 2007 Yaris. It has 160k trouble free miles on it and I asked her a few weeks ago if she wanted to trade it in for a new Corolla but she said she likes the Yaris and wanted to keep it. It is boring to drive but still feels as...
by William4u
Fri Jul 17, 2015 7:52 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5823

Re: The " Corolla" investment....

gatorking wrote:My 1997 Corolla has only 130k miles on it. The exhaust needs fixing and engine mounts need to be replaced. Other than that it runs great. Only major repair was a transmission rebuild that cost $600.


How did you get a transmission rebuild for $600? In these parts it is much more.
by William4u
Fri Jul 17, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 25
Views: 3259

Re: Fish in the refrigerator

Snap tight lids might not seal 100%. Plastic breathes, so the lid should be metal. A screw top metal lid and a glass container should work. That is what I use.
by William4u
Fri Jul 17, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 43
Views: 3200

Re: Recommended World War I book

1. All Quiet on the Western Front by Erich Maria Remarque. Remarque was a German soldier during WWI. The book can be read in a few hours. It stays with you forever. Yet I read it again about every 5-10 years. 2. The Guns of August by Barbara Tuchman. I have read that President Kennedy thought highl...
by William4u
Fri Jul 17, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: 40,000 mile service for a 2009 Honda Fit
Replies: 20
Views: 1486

Re: 40,000 mile service for a 2009 Honda Fit

Transmission drain and fill should run about $100-$150. A "flush" may be more but probably isn't necessary if you change it every 40k. . Flushing an automatic transmission is a recipe for disaster, it pushes debris into places it would not otherwise get to; another scam that has been fois...
by William4u
Wed Jul 15, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7018

Re: I tipped 15% and got a dirty look

When I was a waiter, the average waiter probably average $60 a night, for a 10 hour shift. How many tables/people does a waiter serve in 10 hours? Even if we're talking fairly low price meals where the tip is only $2 a person, I'm guessing most waiters serve more than 30 people in a 10 hour shift. ...
by William4u
Wed Jul 15, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5823

Re: The " Corolla" investment....

I'd replace the spark plugs every 100k. I just replaced the plugs on my two 200,000 mile Toyotas, and saw a bump in gas mileage that will pay for the spark plugs. And the Corolla's spark plugs are easy and cheap to replace. I did it myself in 20 minutes for about $10 for all four plugs. Youtube can ...
by William4u
Wed Jul 15, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7018

Re: I tipped 15% and got a dirty look

Waiting tables is hard work, and increasingly the work of the working class single parent. It is hard on the joints and is injury prone. About two hours a shift one is essentially working for nothing (doing side work prepping or breaking down while making $2/hour and no tips). The money isn't that g...
by William4u
Wed Jul 15, 2015 12:00 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7018

Re: I tipped 15% and got a dirty look

I'm afraid that 15% is now considered a bad tip. 20% is considered the proper tip for decent service.
by William4u
Sun Jul 12, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4867

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

Alliant Credit Union has a $20/month ATM reimbursement. Plus, they have more free ATMs than Wells Fargo.

http://www.alliantcreditunion.org/depos ... tm-rebates
by William4u
Sat Jul 11, 2015 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Favorite Fidelity Funds
Replies: 10
Views: 879

Re: Favorite Fidelity Funds

I only own Spartan Funds at Fidelity (I also have Vanguard funds at Vanguard). I would never own a Fidelity fund without "Spartan" in the title. IMHO, the other Fidelity funds are no good.
by William4u
Wed Jul 08, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 9907

Re: Worst financial book you have read (or will admit you have read)

The Motley Fool Investment Guide: How The Fool Beats Wall Street's Wise Men And How You Can Too.

The book has lots of tips for how to pick individual stocks.
by William4u
Wed Jul 08, 2015 5:30 am
Forum: Personal Consumer Issues
Topic: kitchenaid vs. bosch dishwasher
Replies: 61
Views: 3515

Re: kitchenaid vs. bosch dishwasher

We got the highest end kitchenaid a couple of years ago. It is very quiet, and cleans well. We looked at the bosch but it was too small inside. The kitchenaid was bigger. No problems so far.
by William4u
Mon Jul 06, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 5963

Re: New tires - where to buy, how to get a good deal?

We just got four Michelin Defender XT tires from Costco July 5th. $15/tire install fee. Free lifetime rotation and balancing. $70 off sale on any four Michelins. Good deal on Consumer Reports #1 passenger car non-performance all-season tire.
by William4u
Tue Jun 09, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Advice Needed: building a $20k portfolio for 25 y/o?
Replies: 21
Views: 2018

Re: Advice Needed: building a $20k portfolio for 25 y/o?

Honestly? Skip the bonds. Can you leave it alone? If you can leave it alone, it will have ups and downs, but in the long run, it will (more likely than not) produce for you. You just have to leave it in long enough. Why skip the bonds? 1) you are really young 2) bonds do not do well with taxes 3) (...
by William4u
Mon Jun 08, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 5670

Re: Confused college kid

The people that hire from the Ivy League know exactly what those grades mean. The people with the top grades work harder, have more discipline, and are a bit smarter. A person from Cornell graduating in the bottom 50% may have worked hard in high school, but has been coasting and drinking too much ...
by William4u
Mon Jun 08, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 5670

Re: Confused college kid

On academics its worth going for the grades. People will care more about the grades than the subject area, after you graduate and get your first job. So if software isn't working for you, take fewer software courses and more economics ones. I would tend to disagree with this. People will care more ...
by William4u
Sun Jun 07, 2015 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 7021

Re: What Percent Of Your Annual Expenses Are Property Taxes?

3% of expenses, and about 1.5% of income.
by William4u
Sat Jun 06, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Confused college kid
Replies: 54
Views: 5670

Re: Confused college kid

Research definitively shows that what a 20 year old thinks he or she wants will be very different in 10 years. http://news.sciencemag.org/2013/01/your-elusive-future-self http://www.dailymail.co.uk/sciencetech/article-2093895/People-surprisingly-bad-guessing-future-self-react.html http://en.wikipedi...
by William4u
Thu Jun 04, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 6597

Re: Divorcing over finances.

Not to take over the thread, but this is definitely true, except in my case. I have since completed my PhD and have a pretty well-paying professional career... Luckily, my wife and I are not in that camp either. We got our PhDs together and have been married for a long time after. We loved our grad...
by William4u
Thu Jun 04, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 6597

Re: Divorcing over finances.

My story has probably been told here several times. I did not initiate the divorce, but the dissolution of my first marriage was solely due to finances. When we married, my (ex) wife had just finished undergrad and was applying for dental school. I paid off her undergrad and consumer debt (car, few...
by William4u
Wed Jun 03, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quit high paying job to be stay at home parent?
Replies: 44
Views: 5310

Re: Quit high paying job to be stay at home parent?

I would prioritize getting a new job ASAP. Suffering for three more years sounds pretty bad. I'd take these three years to train for another profession if your entire profession is what you hate. And getting back into the workforce is very hard after time off. Most of my professional friends who lef...
by William4u
Tue Jun 02, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: What to do with an old 403B?
Replies: 2
Views: 268

Re: What to do with an old 403B?

The Vanguard 2040 fund is ideal. It should be easy to transfer to a Vanguard IRA.
by William4u
Mon Jun 01, 2015 7:23 pm
Forum: Investing - Theory, News & General
Topic: Are you middle class?
Replies: 21
Views: 2726

Re: Are you middle class?

Busting Myths wrote:$100,000 range for my county. Trust me when I say the $47K household and the $147k household are not in the same class.


Same here. Crazy high range that makes most households middle class.
by William4u
Sat May 30, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Can my husband retire yet?
Replies: 112
Views: 14509

Re: Can my husband retire yet?

It sounds like he is more comfortable with the lesser duties of a grandfather. My retired grandfather didn't have to work, and didn't have to do the heavy lifting taking care of kids. He just had fun, did a few minor chores, and hung out with the kids when it was easy. If the grandkids got difficult...
by William4u
Fri May 29, 2015 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4163

Re: lump sum divorce settlement

I should add one more thing. An accounting degree is worth a lot, but only if it comes from a traditional, non-profit state or private university or college. I say this because a lot of unscrupulous, for-profit "universities" are preying on people in the worst way, and accounting is one of...
by William4u
Wed May 27, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 6879

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

And I agree with the above recommendation to not join a lab with 10-year grad students. Get out of grad school after 5 years total, and I think you're doing fine. There are reasons to stay longer than that, but make sure you have a reason. 5 years is typical for science and engineering PhDs. Humani...
by William4u
Wed May 27, 2015 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4163

Re: lump sum divorce settlement

If you take ALL the stats into considerations (without cherry picking), an accounting degree is a really, really good bet for a 15-20 year career. I don't see how anyone can say that without running the numbers. After all, you don't even know the OP's current job & income. Looking at stats of 2...
by William4u
Wed May 27, 2015 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a "free" PhD program is around half a million? How does anyone afford this?
Replies: 91
Views: 6879

Re: Cost of a "free" PhD program is around half a million? How does anyone afford this?

During those nine years I learned a lot of intrinsically interesting things that were darn worth learning for their own sake. It was very educational. Yes, educational. That's what a university is about, study, education, research, admission into the community of scholars. +1 My wife and I got our ...
by William4u
Wed May 27, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4163

Re: lump sum divorce settlement

News stories about college graduates bar tending are media exaggerations, as this article notes. The vast majority of people with a higher degree make way, way more money over a lifetime than those who lack degrees. Even starting in your 50s, there is still ~20 years of working left. Many of the hig...
by William4u
Wed May 27, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: lump sum divorce settlement
Replies: 31
Views: 4163

Re: lump sum divorce settlement

+1

I completely agree with Grt2bOutdoors just above.

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