Search found 632 matches

by sls239
Tue Jul 28, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Visiting Northern Kentucky / Mammoth Cave area with kids
Replies: 17
Views: 809

Re: Visiting Northern Kentucky / Mammoth Cave area with kids

Holiday World in Santa Claus IN is a very nice amusement park for kids under 10, especially the waterpark. They give you free drinks and free sunscreen so you don't have to drag half a ton of water around all day either.
by sls239
Tue Jul 28, 2015 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 62
Views: 3873

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

4% annualized return is not good enough IMO.

If a bank were only making a mortgage to a single person and there were no federal guarantees or bailouts, do you think they'd only charge 4%?

OP would essentially be lending this one company $500K in the hopes of making an extra $20K.
by sls239
Tue Jul 28, 2015 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Divorce
Replies: 57
Views: 5042

Re: Divorce

Go see a therapist, and take the children to a therapist, and pay for your wife to see a therapist. You don't want to lash out, but you don't want to shut-down either. IMO anyone short of a superhero would need some special help with this emotional time. And Nolo is, as always, a great starting plac...
by sls239
Tue Jul 28, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 62
Views: 3873

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

There is no way I would risk $500K to save $20K on taxes. I agree with talking to a good broker to figure out how to sell almost all of it as quickly as possible. Max out the 401(k) until all the extra money (money you are not going to donate or "gamble" with) has been funneled into retire...
by sls239
Tue Jul 28, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2622

Re: Can I reject a medical exam during insurance application without consequences?

Let's start with the fact that the possibilities are more than just approve / reject. Insurance companies have risk categories. So often, the result isn't that the exam comes up with something and boom you are rejected. If the exam comes up with something, you are generally shunted into a higher ris...
by sls239
Tue Jul 28, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 109
Views: 5417

Re: wife got in wreck with Honda CRV - no collison coverage

So honestly, it sounds like she is in denial. I don't think you should buy anything until she is ready to confront the issue. It is just too dangerous. It is not OK to be in several wrecks, it is not OK to rear-end other cars simply because they stopped unexpectedly. Something has to change before s...
by sls239
Tue Jul 28, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 109
Views: 5417

Re: wife got in wreck with Honda CRV - no collison coverage

What does your wife say about all this?
by sls239
Wed Jul 22, 2015 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Huge Mistake, Bought PBYI, Now What?
Replies: 26
Views: 3428

Re: Huge Mistake, Bought PBYI, Now What?

Why did you purchase the stock in the first place? And is that still true? Honestly, they don't really look like a biotech company to me, they look like a pharmaceutical company with just one drug in their pipeline, but a whole lot of investor information on their webpage. I wouldn't bet on a compan...
by sls239
Tue Jul 21, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5901

Re: Do you hate your vehicle infotainment system?

Not an SUV, but I have a 2013 Mazda 3 with navigation and it actually works, generally. As good as a phone, I would say because each made exactly one mistake in a tricky area. (Shrug.) The climate is knobs and buttons, which I specifically looked for. The radio volume is a knob, the radio station pr...
by sls239
Tue Jul 21, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10535

Re: How do people afford children with a SAHS?

I would strongly caution you against putting yourself in a situation where housing is 50% of your income. Some people can do it, but they know that they have to make big sacrifices in every other area of their lives - including opportunities for the kids - to make that work. It doesn't just feel &qu...
by sls239
Mon Jul 20, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7204

Re: honda civic or Prius?

Can you put this off? I think Honda is going to come out with a civic sized hatchback, and she might like that even better.
by sls239
Mon Jul 13, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8564

Re: The Brainwashing of the American Investor

Most of us just don't want to spend our lives and risk our money trying to be the next Warren Buffet or Selengut or any of those guys real or fake . That isn't smugness, that is self-awareness. You know what smug is? Including the word "Brainwashing" in your book title or thread title when...
by sls239
Sun Jul 12, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 1733

Re: House Layout: Where to put Dining Table?

I think it depends on how you will use the dining room and the table. We use our dining room table for all sorts of things, from meals to board games, craft and science projects - really anything that requires a large table and we do a fair amount of entertaining there too. And because of this, it i...
by sls239
Fri Jul 10, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: New Car or 2014 Used Car Purchase?
Replies: 11
Views: 1151

Re: New Car or 2014 Used Car Purchase?

My thought is why not try for a good deal on a used car? The worst that happens is that you cannot make the deal go through and end up buying new anyway right? Most dealers have their inventory available on the internet. If you find one you like, make an offer. Pay no attention to the price they hav...
by sls239
Tue Jun 30, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a cordless electric or robotic lawn mower?
Replies: 8
Views: 972

Re: Anyone have a cordless electric or robotic lawn mower?

We bought the ego. We used to have a B&D we bought when we lived in TX and only had to mow every two weeks. It did not have a replaceable battery so it eventually died. I love the Ego. It mulches so well - it is almost a fine powder. And it actually does OK with thick tallish grass. And the batt...
by sls239
Tue Jun 30, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 6315

Re: Used, Reliable, Safe, Financially Sound cars

Years ago, Toyota was the brand known for reliability. I bought a Honda. Now, Toyota and Honda are known as the reliable brands. I happened to have bought a 2013 Mazda 3 hatchback last December. So I'm making a prediction. It has a good amount of cargo room, it goes when you push the gas (Skyactiv e...
by sls239
Tue Jun 30, 2015 9:37 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21613

Re: Emergdoc on Mr. Money Mustache

I'm a little surprised that he didn't bring up MMM advice on health care which basically consists of "be healthy."

The fact that many people are diagnosed with asthma as kids, cancer as teenagers, or other diseases completely unaffected by any life choices seems to escape him.
by sls239
Fri Jun 26, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?
Replies: 23
Views: 2010

Re: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?

Nobody is immune. As far as worst case scenarios go - market returns of .5% real are not nearly as likely as a lot of other events. Like not being able to continue to make contributions due to illness, late in career layoff, or other issues or even, as you mentioned - living beyond current life expe...
by sls239
Fri Jun 26, 2015 2:00 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6601

Re: Bogleheads are more aggressive...

Forgive me, but what about They are more male, and when talking about their % in stocks it becomes similar to a genitalia measuring contest? Risk taking is acting as a proxy for virility. And I don't think Bogleheads are younger. I think they are older compared to other forums in which investing is ...
by sls239
Fri Jun 26, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4744

Re: Homemaker denied credit card despite high household income

She has income.

She is married and has marital income.

That is true in all 50 states.

Just like if someone has an annuity, they have income.
by sls239
Fri Jun 26, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4744

Re: Homemaker denied credit card despite high household income

Well if their policy is that they will not consider income that the applicant has a reasonable expectation to, then they need to say that, not just say that they don't count "household income." It could be that her handwritten "household income" scared them away. I don't know if ...
by sls239
Fri Jun 26, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 25
Views: 3183

Re: Fish in the refrigerator

I would think that if the fish is thoroughly coated with oil or mayonnaise that the volatile compounds would not be able to escape into the air.

The empty can is going to have a much stronger smell. That should go out immediately.
by sls239
Fri Jun 26, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4744

Re: Homemaker denied credit card despite high household income

No, it is specifically not "household income." In fact if the credit issuer uses the term "Household income" then they have more hoops they'd have to jump through. So they avoid that term like the plague. But if they are just asking for "Income" or "Your Income&quo...
by sls239
Fri Jun 26, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?
Replies: 23
Views: 2010

Re: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?

What is the purpose of the worst-case scenario?

Are you trying to use it as an argument that you need to put more money towards savings? Or as a reason to change your AA?

Or what?

Because for me, all those scenarios are basically entertainment, not information.
by sls239
Thu Jun 25, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4744

Re: Homemaker denied credit card despite high household income

She has reasonable expectation of access to that income. Therefore, she can put it on the application.

http://files.consumerfinance.gov/f/2013 ... l-rule.pdf
by sls239
Thu Jun 25, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 7665

Re: What credit should you get? (Ask me anything)

And if you do spend $10K / year on dining?

And do you think catering from places like Panera would count as dining?
by sls239
Thu Jun 25, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 10092

Re: Backyard conundrum

You have a shade tree that has survived 4 years of severe drought and you want to chop it down? I think you should know that your idea of landscaping is not likely to align with potential buyers if you end up needing to sell. Even for a desert area, your sections are too large and it has too much ha...
by sls239
Thu Jun 25, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3236

Re: 10 year old car

Not much experience with paint, but we did pay a couple hundred for the roof fabric to be replaced in DHs 12 year old car and we paid a couple hundred to get a Bluetooth compatible radio put in. IMO, little things like that make you feel like you aren't depriving yourself. I find it a little odd tha...
by sls239
Wed Jun 24, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: 4th of July in Washington, DC
Replies: 12
Views: 1229

Re: 4th of July in Washington, DC

Thanks!

We're staying with family in Bethesda so we'll be using public transit. There's no public transit where we live so that is just part of the adventure for our son!

And seafood sounds great too as we are too far inland to get fresh seafood much.
by sls239
Tue Jun 23, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: 4th of July in Washington, DC
Replies: 12
Views: 1229

4th of July in Washington, DC

I'll preface by saying we are crazy, but we want to go to the fireworks on the mall in DC. It will be me, my spouse, and our 8-year-old. I know it will be hot and humid and crowded. What I don't know is when you need to get there so that you aren't spending forever and a day in the security line and...
by sls239
Tue Jun 23, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Use Roth IRA to remodel house?
Replies: 18
Views: 2120

Re: Use Roth IRA to remodel house?

If you are going to remodel the house without saving first (which I don't recommend) it makes more sense to use the cash you have saved for emergencies to pay for it.

Then if there is an emergency, you would pull from the Roth.

And then you would replenish the emergency cash over time.
by sls239
Tue Jun 23, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2373

Re: Moving to LCOL state

If you are talking about TX, rents are high because property taxes in areas with good schools tend to be high.

Don't get me wrong it is still LCOL, but property taxes on a house can be as much as rent for an apartment so the whole "if I rent I'm throwing away money" idea just doesn't hold.
by sls239
Mon Jun 22, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: Anyone Install a new shower lately?
Replies: 16
Views: 1566

Re: Anyone Install a new shower lately?

My advice is don't hyperventilate. Get a good valve, and remember that changing the showerhead is really easy if your preferences or needs change in the future. We bought the Delta H2O Kinetic 4 setting http://www.amazon.com/gp/product/B009MLXJY2?psc=1&redirect=true&ref_=oh_aui_detailpage_o0...
by sls239
Sat Jun 20, 2015 11:32 pm
Forum: Investing - Theory, News & General
Topic: Wsj article today on reit investing
Replies: 34
Views: 6077

Re: Wsj article today on reit investing

I'm not sure what I think about the implication that you need more RE than what you get in a broad index fund. There are lots of parts of the economy that don't show up on the stock markets - in addition to non-profits and government, law firms and medical practices come to mind. And yet would the e...
by sls239
Fri Jun 19, 2015 3:45 pm
Forum: Personal Consumer Issues
Topic: Deck - Best Method of Treatment
Replies: 21
Views: 2423

Re: Deck - Best Method of Treatment

I'm using the Deckover from Behr. Let me tell you - you do not want to use this stuff if you don't have to. It is thick, glopy, expensive and takes forever to put on (although I'm faster now). It will have you wondering if it would be cheaper and easier to just replace the boards. That said, our dec...
by sls239
Wed Jun 17, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: New Floors
Replies: 15
Views: 2634

Re: New Floors

If your new floor color doesn't coordinate with the color of your existing baseboards and trim, then there will be extra expense and / or labor to get that to look decent.
by sls239
Wed Jun 17, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: Disney World Orlando Advice
Replies: 36
Views: 3231

Re: Disney World Orlando Advice

So what do you think your 5-year-old wants? Is he the ride every ride type? Want to dance with Mickey and Minnie? Or watch a musical performance in a nice cool theater? Get the best viewing spot for the parade? The thing about Disney World is that you can't do everything. So you need to consider wha...
by sls239
Thu Jun 11, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5481

Re: Should I move out of my family's home?

I don't think it is at all clear that living with your parents is the reason you can't cook and don't have the social life you want. Why not spend some time focusing on the actual things you want to change rather than assuming that moving out will magically solve your issues? The other thing you can...
by sls239
Mon Jun 08, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 9897

Re: close friend found out how much I have - bad outcome

It is possible to be happy for someone and still have a moment or two of bitter envy.

It isn't one or the other.

Just like you can empathize with her poverty and still be exasperated with her bad choices.

It isn't one or the other.
by sls239
Fri Jun 05, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophies of frugality.
Replies: 64
Views: 7406

Re: Philosophies of frugality.

My philosophy is exceedingly simple. I save 20% of gross household income for retirement and pretty much always have. I'm sure there are areas of my life where I'm exceedingly frugal and areas where I'm exceedingly extravagant. 20% is pretty arbitrary, but I don't think anyone is going to call it ir...
by sls239
Mon Jun 01, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: booking travel to Disney
Replies: 23
Views: 2015

Re: booking travel to Disney

Undercover tourist is a really great place for planning, and you can buy park tickets through them. There are Disney forums all over the place that give good advice as well. But you are absolutely right to stay on site. Even on-site there will be a tradeoff between price / amenities / travel time to...
by sls239
Mon Jun 01, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Kids and TV Viewing - Your Thoughts?
Replies: 28
Views: 2681

Re: Kids and TV Viewing - Your Thoughts?

Our restrictions are similar to yours, except we just mute most commercials and talk during the break.

I never assumed that just because a movie got a G rating that it was appropriate. At age 8, just about any G movie is OK, but not all PG movies IMO.

I also use a white-list for the internet.
by sls239
Mon Jun 01, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6565

Re: Which grocery stores do you shop at and why?

We have a Wal-Mart neighborhood market and I do most of my grocery shopping there. Now that they've gotten all the major grocery chains and Target to super-size themselves, Wal-Mart comes out with a well stocked little store where employees can actually walk around the store and keep an eye on every...
by sls239
Sat May 30, 2015 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics over income?
Replies: 23
Views: 3343

Re: Ethics over income?

The people who made these decisions, are they likely to stick by those decisions and stick around with the company?

Or is it clear that this is a disaster and you are just waiting for the even higher-ups to realize that and fix it?
by sls239
Fri May 29, 2015 10:37 pm
Forum: Investing - Theory, News & General
Topic: This time is different
Replies: 44
Views: 4915

Re: This time is different

Abnormal is normal with markets. Expecting every variable to be normal is like expecting to live in a place that has no drought, no flooding, no heat wave, no cold spells, no tropical storms, no tornadoes, no tsunamis, no nothing for years on end. A 100 year flood or worse happens about every 50 yea...
by sls239
Fri May 29, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: Mazda CX-5 2015 or 2016
Replies: 21
Views: 1594

Re: Mazda CX-5 2015 or 2016

You don't always get to decide how long you will drive your vehicle. If it is totaled in an accident, stolen, flooded or something along those lines then you realize the depreciation whether it has been 2 years or 10.
by sls239
Fri May 29, 2015 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plan
Replies: 10
Views: 786

Re: 529 Plan

What did your ELP say the reason was for selecting the VA plan over the 49+ other plans?
by sls239
Fri May 29, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: 13% APR Loan
Replies: 8
Views: 510

Re: 13% APR Loan

No, it isn't.

Your credit will heal if you do nothing but wait. And that is free.

And even if 13% were as good as you could get, there is no excuse for extending it over 6 years. And there is no excuse for borrowing 15K at such a high rate when you can get a decent vehicle for much less than that.
by sls239
Thu May 28, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: SSD + HDD good option for upgrading desktop PC?
Replies: 47
Views: 4401

Re: SSD + HDD good option for upgrading desktop PC?

I think you must have a program doing something at start-up. Maybe one that checks for driver or software updates and then closes again?

Or are you running AV software?
by sls239
Wed May 27, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Best Kid Toys
Replies: 32
Views: 2765

Re: Best Kid Toys

Pretend food / play kitchen

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