Search found 160 matches

by 4th and Inches
Wed Oct 17, 2018 8:46 am
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 37
Views: 5187

Re: metro Denver Bogleheads?

I'd be interested, but with a 3-year-old and 6-month-old at home in actually getting away to attend may be a challenge. I live in Stapleton.
by 4th and Inches
Mon Oct 15, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5745

Re: When to stop putting money into an older vehicle

Does anybody have reliable information that really quantifies how much safer newer cars are compared to older cars? I hear newer vehicles are safer and believe it, but how much safer are they? For example we have a 2000 Honda Civic. How would you quantify how much safer a 2019 Civic is compared to a...
by 4th and Inches
Thu Oct 04, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Senate FCU 60 month CD - 3.63%
Replies: 17
Views: 2175

Re: Senate FCU 60 month CD - 3.63%

While that is about the best rate out there right now I don't think I'd be touching 5-year CDs right now with a 360 day penalty. In their last meeting the Federal Reserve has said to expect four more rate hikes through the end of 2019. Shorter-term CD rates have been going up quite a bit the past ye...
by 4th and Inches
Tue Sep 25, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5129

Re: Vacation without saving adequately?

You can totally go. Relax. Do it! Have you considered: Do you have to go during the high season and especially holidays of Xmas, MLK, President's day? Out West the second weekend in April is a great time to go. Fewer people, cheaper everything, it will be either 50 degrees or dumping, plenty of snow...
by 4th and Inches
Mon Aug 20, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 65
Views: 9027

Re: Emerging Markets in Bear Territory

VERY interesting. Thanks for sharing. History of Emerging Market Corrections & Bear Markets https://pbs.twimg.com/media/Dk-lFhtW0AcglJR.jpg:large I'm going to suggest that EM has a higher threshold for a bear market than US, maybe 25%? Several of those "bear" markets were in the 2003-2007 time frame...
by 4th and Inches
Mon Aug 20, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13706

Re: Teachers Who Have Net Worth of $1 million +

Interesting stuff. Thanks for sharing everybody. I'm not a teacher and have a ways to go.
by 4th and Inches
Thu Aug 09, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
Replies: 17
Views: 1651

Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)

Is the Amazon Fire 8 a notable upgrade speed-wise compared to the iPad 2?
by 4th and Inches
Wed Aug 08, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 2128

Re: Selling a used car

That ad is terrible!!! Your car looks like a really shady piece of junk. Even if I was in the market for that type of car, yours would be at the bottom for who I'd contact. Would you contact a person selling a car with an ad like this? Do national cars.com search for Camrys of that generation and lo...
by 4th and Inches
Thu Jun 14, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: recommendations for HELOC? does it matter to pick the cheapest rate?
Replies: 11
Views: 1293

Re: recommendations for HELOC? does it matter to pick the cheapest rate?

Spirit Rider wrote:
Wed Jun 13, 2018 8:45 pm

Also, be aware that the FED raised rates by 0.25% today, plan to do two more later in the year and likely four more in 2019.

Is that what the FED said? Two more increases this year and four next year?
by 4th and Inches
Thu May 31, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: 13-year old Civic. Replace, or keep sinking money into it?
Replies: 52
Views: 4507

Re: 13-year old Civic. Replace, or keep sinking money into it?

In your situation I would get rid of it even though it is not wrong to keep it. You said that you can afford it. Go ahead and don't feel guilty for buying a reasonable replacement. 2005 vs 2016+ Civics and similar cars are significant upgrades all around. Our two cars are a 2016 Acura MDX (yes we to...
by 4th and Inches
Wed May 30, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Bank overpaid contractor and wants my daughter to be responsible
Replies: 25
Views: 3771

Re: Bank overpaid contractor and wants my daughter to be responsible

I smell Internet troll. This is all too unbelievable. The OP ‘s post was their first ever. Five hours later there hasn’t been any response back by them.
by 4th and Inches
Wed Mar 07, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3653

Re: What if you have a poorly rated car?

You bought a 2014 Dodge. Of course it is on a do not buy list. Lesson learned.
by 4th and Inches
Tue Jan 16, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Selling one owner car. Give new owner service records?
Replies: 15
Views: 1438

Re: Selling one owner car. Give new owner service records?

You should make a photo copy of the records and then give them the originals or vice versa. If you become party to a class action lawsuit at some point down the road you will need copies of your service receipts. I had a 2002 Audi that blew the transmission. Since the trade-in was $5500 and the cost...
by 4th and Inches
Fri Dec 01, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union Offering .5% Rate Discount for Purchasing through their TrueCar Powered Site
Replies: 1
Views: 298

Credit Union Offering .5% Rate Discount for Purchasing through their TrueCar Powered Site

My wife and I are shopping for a new car. We are are looking for a lightly used Acura MDX AWD. I realize that there may be cheaper alternatives out there such as a Honda Pilot etc. and that it may be better pay with cash, but that isn’t what this post is about. This is about a financing option that ...
by 4th and Inches
Thu Sep 21, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth/Traditional vs Paying off debt
Replies: 19
Views: 1325

Re: Investing in Roth/Traditional vs Paying off debt

12% Interest? Wow! That's like the highest non-credit card interest rate I have ever heard someone say they had on bogleheads unless they were talking about mortgages from many years ago.
by 4th and Inches
Wed Aug 30, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 2012

Re: Hulu w/ Live TV

I have Playstation Vue and pay $45 plus $50 per month for internet service from Xfinity. I previously had Xfinity for TV and in comparing interface and reliability I would give Xfinity the edge, but this edge was not sufficient enough for me to pay the price differential as my Xfinity internet & TV...
by 4th and Inches
Wed Aug 30, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 35135

Re: The Wall Street Journal to close Google loophole entirely

It appears that the Facebook loophole has been closed. Is this the case for anybody else?
by 4th and Inches
Wed Aug 30, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 2012

Re: Hulu w/ Live TV

Those of you who are big sports fans and have one of these packages how much is your combined internet and cable bill per month? I assume that if you are a big sports fan that you have one of the larger packages. Hulu TV seems to hit just about all of my needs. Also, is there any compromise in the q...
by 4th and Inches
Tue Aug 22, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 7523

Re: Why do we consider cash flow from rentals but not our own homes?

Cool concept that I hadn't really thought of. Thanks for sharing everybody!
by 4th and Inches
Sat Jul 29, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 2742

Re: Looking for a single speed commuter bike, less than $400?

I'll second bikesdirect.com.

I have the Windsor Clockwork Plus (single speed, $289) and LOVE it for commuting to work. They have all kinds of bikes under $400.
by 4th and Inches
Sat Apr 29, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: [Southwest] Airlines Rapid Rewards Dining
Replies: 11
Views: 1429

Re: SW Airlines Rapid Rewards Dining

It's not rocket science. It's not a scam. Just sign up and get some points. You are overthinking it.
by 4th and Inches
Sun Apr 09, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Ameriprise - Investment / Retirement Planning
Replies: 8
Views: 1921

Re: Fidelity vs. Ameriprise - Investment / Retirement Planning

Others will provide much more detailed information, but whatever you do DON'T ROLL YOUR MONEY OVER TO AMERIPRISE unless you want to be significantly poorer in the long run.
by 4th and Inches
Fri Mar 24, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 15056

Re: Get $250 from Wells Fargo

What exactly is a retail store private label credit card? Is that just a crummy retail credit card where Wells Fargo is the bank?
by 4th and Inches
Wed Mar 22, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 8623

Re: How did graduating out of daycare impact your finances?

Boo. These perspectives are not what I wanted to hear. I have a 19 month old and plans for another.
by 4th and Inches
Tue Mar 14, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 15056

Re: Get $250 from Wells Fargo

It seems possible that this deal is off. The link referenced in several blogs over the past few days is no longer working:

https://www.wellsfargo.com/jump/checkin ... ect-offer/

Anybody else have a link to the offer that works?
by 4th and Inches
Tue Jan 31, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Building Forever House - Can we afford it? Should We?
Replies: 22
Views: 3490

Re: Building Forever House - Can we afford it? Should We?

You can totally afford this and have plenty of margin for error. Go for it.
by 4th and Inches
Tue Jan 31, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Can you no longer hide zero balance funds at Vanguard?
Replies: 9
Views: 2690

Re: Can you no longer hide zero balance funds at Vanguard?

Thanks! I was always annoyed by those zero balances.
by 4th and Inches
Mon Jan 30, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: The whole Roth vs. Traditional IRA
Replies: 56
Views: 10193

Re: The whole Roth vs. Traditional IRA

I fuss with the 401k above employer match vs Roth IRA conundrum all the time. If you were going to have a pension that would replace say 37.5% of your income or about $33,500 a year (not indexed to inflation, though increases can be possible) then wouldn't a Roth IRA generally becomes more attractiv...
by 4th and Inches
Fri Jan 27, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?
Replies: 49
Views: 4515

Re: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?

My knee jerk response is that 2004 was when American car quality was hitting its low point with Mercury and the Grand Marquis being at the bottom of the pile. Avoid.
by 4th and Inches
Fri Jan 27, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Part 3 of lessons the markets taught in 2016
Replies: 5
Views: 889

Re: Part 3 of lessons the markets taught in 2016

Great information in that series. Thank you for sharing. I especially like the part that addresses how much portfolio return performance is attributed to such a small number days.
by 4th and Inches
Thu Jan 26, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 38584

Re: Chase Sapphire Reserve

^^^^^Thanks.
by 4th and Inches
Thu Jan 26, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 38584

Re: Chase Sapphire Reserve

I activated my new card on January 19th after applying the day of the deadline. I still have not had the $450 annual fee post to me account. I thought that once you activate the card the fee posts nearly immediately. I do have a visa Southwest Rapid Rewards Plus card so I wonder if that has somethin...
by 4th and Inches
Thu Jan 19, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Target Date Fund - Retirement Years
Replies: 29
Views: 3795

Re: Target Date Fund - Retirement Years

Assuming that you are withdrawing the often-cited 4% a year from your portfolio in retirement, are there any drawbacks to just taking that 4% out per year from a target date fund vs selling off the winners to re-balance if instead you had a 3-4 fund portfolio?
by 4th and Inches
Wed Dec 28, 2016 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 249
Views: 65854

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Pajamas wrote:
I feel almost as sorry for him as for his victims.
Uhhhh ok. I'm going to guess that you are very much in the minority regarding this kind sentiment towards the perpetrator. Let him rot.
by 4th and Inches
Wed Dec 28, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Can I Count Pension Contributions Before Vesting As Bonds?
Replies: 2
Views: 393

Can I Count Pension Contributions Before Vesting As Bonds?

I work in the public sector for local government and contribute 8% of my gross pay to our pension. My contributions are vested after five years. If I don’t fully retire with the organization I would get (1.5% * Years of service of my average of the highest five years of pay) starting at 65. For exam...
by 4th and Inches
Mon Dec 05, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Target Gift Cards 10% Off Today
Replies: 9
Views: 1562

Re: Target Gift Cards 10% Off Today

Boo looks like I missed out.
by 4th and Inches
Mon Nov 21, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 30307

Re: Need help. Drowning in debt and worried about the future and retirement

Your wife turned down the job? WOW. Just Wow. I am shocked at that. EESSHHHH. I can't imagine how that conversation went. I feel bad for you.
by 4th and Inches
Mon Nov 21, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 49
Views: 11315

Re: Synchrony vs Ally

I am a happy savings account customer of Synchrony bank. I have never used Ally. Either one is likely perfectly suitable.
by 4th and Inches
Wed Nov 16, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Public Credit Union Black Friday 3%, 24 Month CD Offer
Replies: 5
Views: 1625

Public Credit Union Black Friday 3%, 24 Month CD Offer

I came across this one day Black Friday CD offer from Public Credit this AM while reading the newspaper. There is a $10,000 limit and you have to go there in-person. Just thought I would pass this along. I don't think I have ever seen 3% for just a 24 month term. https://www.pscu.org/black-friday-on...
by 4th and Inches
Thu Oct 13, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Southwest...getting the miles by year end
Replies: 30
Views: 3670

Re: Southwest...getting the miles by year end

Get a friend to sign up and you will get 5,000 points up to 50,000 for the year. I just referred my wife and mom-in-law a few days ago.

https://www.chase.com/referafriend/catch-all
by 4th and Inches
Wed Sep 21, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Emerging Markets Stock Index Fund completes transition to new index
Replies: 19
Views: 3615

Re: Vanguard Emerging Markets Stock Index Fund completes transition to new index

I really like this move. More small caps, more extension into China, the number of companies owned has gone up significantly, no increase in the expense ratio.
by 4th and Inches
Wed Aug 17, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my debt vs using tax advantaged space - which is better?
Replies: 18
Views: 2085

Re: Getting out of my debt vs using tax advantaged space - which is better?

I would disregard any advice that suggests skipping the employer match to your retirement contributions. I would get rid of the rental property, keep your current house, keep the SUV, sell one of the other cars, and then get rid of the 401k retirement loan with the proceeds from the house and sold c...
by 4th and Inches
Sat May 21, 2016 12:05 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on this? [Why advisors don't like target funds]
Replies: 29
Views: 5047

Re: Any thoughts on this? [Why advisors don't like target funds]

That article is just absolute trash. WORTHLESS. I could only chuckle at some of the assertions quoted in the article. It reeked of self-interested dishonesty.

Target date funds are not perfect, but you can do much worse.
by 4th and Inches
Wed May 11, 2016 9:13 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 14638

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Sheeesh guys. Larry provides a lot of good insights here. I found the article interesting at least.