Search found 466 matches

by Alexa9
Sun Dec 17, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 66
Views: 2900

Re: How much do you spend on food per month, per person?

This is the one place we splurge. Don't travel or go out much, but like to cook and eat/drink well and plenty of it :beer . Costco has saved us on meat, grocery, and beer/wine/liquor prices. I don't actually calculate a monthly total because you have to eat and you might as well eat good food you li...
by Alexa9
Sat Dec 16, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 65
Views: 2710

Re: Financial Assistance to Adult Child (health insurance)

Budgeting is as simple as weight loss: eat less, move more Spend less (food, housing, etc.), make more money You hint that she has mental health issues which makes it a bit more understandable. Are you prepared yourself to support her financially indefinitely or will you cut her off eventually? Do y...
by Alexa9
Sat Dec 16, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Small business website as good as Bogleheads.com?
Replies: 7
Views: 846

Re: Small business website as good as Bogleheads.com?

As good as bogleheads.org? Surely you jest!

https://www.fundera.com/blog/small-business-forums
reddit is the forum for everything
by Alexa9
Sat Dec 16, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Why does VTI have a fee of .04?
Replies: 10
Views: 1198

Re: Why does VTI have a fee of .04?

.04 is pretty insignificant unless you're a billionaire. It's still insignificant compared to the returns though and well worth the price.
by Alexa9
Sat Dec 16, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Is 120 months of expenses in Fixed Income plus 100/0 a viable long term allocation?
Replies: 42
Views: 1491

Re: Is 120 months of expenses in Fixed Income plus 100/0 a viable long term allocation?

Unless someone is very wealthy or poor, I don't see a need to deviate from a traditional retirement allocation. If you're very rich, you can afford to be very conservative or aggressive. If you haven't saved enough, you likely have to be more aggressive or delay retirement. 10 years in fixed income ...
by Alexa9
Sat Dec 16, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Is 120 months of expenses in Fixed Income plus 100/0 a viable long term allocation?
Replies: 42
Views: 1491

Re: Is 120 months of expenses in Fixed Income plus 100/0 a viable long term allocation?

I think you're overanalyzing it in a way that isn't that helpful. What would this allocation be including fixed income? If it's close to the Target Date Funds, it's good.
by Alexa9
Sat Dec 16, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Annual Gifting
Replies: 8
Views: 856

Re: Annual Gifting

You could always encourage them to deposit it this year if they want one next year.
by Alexa9
Fri Dec 15, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 1961

Re: Lexus RX 350 - new vs. preowned

There are a few benefits to buying new that I think make it worth it: 1. Who knows how the previous driver treated the car. 2. Honda/Toyota cars retain their value very well, even luxury, for good reason, they're reliable. Don't expect a deal (unlike used German Luxury, but they're not as reliable) ...
by Alexa9
Fri Dec 15, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 28
Views: 2086

Re: New Honda CRV is MotorTrend's SUV of the year

The turbo and CVT make it a peppy car with plenty of winter capability especially if throw on some snow tires. I think the title is well deserved.
by Alexa9
Thu Dec 14, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 4775

Re: Wow. Just Wow.

If you haven't discovered Vanguard and Index funds by now, you deserve what's coming to you. :mrgreen: not serious
by Alexa9
Wed Dec 13, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sinking fund for dream cars
Replies: 23
Views: 1593

Re: Sinking fund for dream cars

We may have flying cars by that time and you may live on Mars. You never know. But seriously, planning vehicles 17 years into the future sounds fun but it's unpredictable how your situation may change. You may get a significant raise or get laid off changing the financial picture, your taste in cars...
by Alexa9
Wed Dec 13, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 27
Views: 1988

Re: Novel Gift Ideas for Adult Siblings

The Boglehead's Guide to Investing https://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/1118921283/ref=sr_1_1?ie=UTF8&qid=1513183051&sr=8-1&keywords=bogleheads+guide+to+investing Bluetooth earbuds https://www.amazon.com/gp/product/B072L44Y4M/ref=oh_aui_search_detailpage?ie=UTF8&psc=1...
by Alexa9
Tue Dec 12, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3617

Re: best cashback credit card ?

Citi Doublecash, Amazon, Costco, Amex Blue Cash Everyday. I am more careful now to try not to spend more just because there is a category bonus or intro bonus. Starbucks bonus = coffee is on me this quarter! Spend 3k get 50,000 miles: time to buy a new TV, computer, camera, etc.! Instead I pay bills...
by Alexa9
Mon Dec 11, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 79
Views: 5812

Re: Ancestry / 23andMe

I've heard the results are pretty vague if you already know your ancestry although some people I know had some surprises. I'd much rather have a subscription to ancestry.com personally. If they are interested in genealogy, it might be a great gift.
by Alexa9
Mon Dec 11, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6239

Re: Snow Tires? Worth it?

Your CRV will be a winter beast with snow tires. Michelin X Ice are another one to consider. They are more durable than Blizzaks if you drive on the highway a lot (from what I've read) but not as good in deep snow. Unless you're in the mountains (you should use chains) you should be fine if you driv...
by Alexa9
Fri Dec 08, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4182

Re: I am buying a car: Most/Least Reliable Makes?

Consumer Reports does not like the reliability of honda/acura. They used to be reliable in the 90s, but not so much now. CR's "talking about cars" people slam the reliability of nissan, and honda's rating isn't much better. There is an episode of CR's "talking about cars" in which they lament honda...
by Alexa9
Fri Dec 08, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4182

Re: I am buying a car: Most/Least Reliable Makes?

BMW's reliably impress passengers and passers by alike. They are nice looking and conservative. The turbos and electronics in German cars are supposedly unreliable. I subscribed to one month of Consumer Reports for < $10 on my last car buying endeavor. Was a good resource. I've had superb results w...
by Alexa9
Fri Dec 08, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4182

I am buying a car: Most/Least Reliable Makes?

I am buying a car before the year is over. I've heard the deals are the best at the end of the year. What are the most/least reliable makes to look at and avoid? I know it depends on the model but I'm interested in overall brand quality. Longest lasting, least problems. This is my impression from re...
by Alexa9
Thu Dec 07, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 54
Views: 19945

Re: Fidelity charges to close accounts!

I see these exit fees as a good reason never to come back! Really bad business move. It's not like the fee keeps people from leaving.
by Alexa9
Wed Dec 06, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1951

Re: Least/Most Reliable Carmakers Today

@Alexa9, why are you re-posting my post verbatim from a locked thread? As I said in that thread, dashboard-light is very up-front with what they monitor. This chart is long-term reliability of powertrain related issues only. http://www.dashboard-light.com/click-here-first/ Like that thread, this th...
by Alexa9
Wed Dec 06, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1951

Least/Most Reliable Carmakers Today

How are cars ranked by reliability today and do you trust the reviews? What are the brands to buy and avoid or does it completely depend on the model? "I think the 'Asian cars good, everything else bad' theory is way out of date. I've found this site to have good reliability data that broadly agrees...
by Alexa9
Tue Dec 05, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 652

Re: Past Perception of Automakers vs. Today

I think the 'Asian cars good, everything else bad' theory is way out of date. I've found this site to have good reliability data that broadly agrees with the overall market perception in most cases, and seems very good at identifying the problem models. http://www.dashboard-light.com This is what t...
by Alexa9
Tue Dec 05, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 652

Re: Past Perception of Automakers vs. Today

Have a fair amount of experience on doing the analysis on this, while combing through millions of records of data on cars. Asian Cars > US > Europe for vehicles sold in the US. There's a lot of truth to the perception. Some US manufacturers are better than others. Same for the Asian brands. US truc...
by Alexa9
Tue Dec 05, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 652

Past Perception of Automakers vs. Today

I know a lot of Bogleheads swear by Japanese cars for reliability and low cost to maintain. Some also swear by German cars for the driving experience or luxury. Some also curse them for cost to maintain or unreliability. I hear a lot of bad anecdotes about American cars but this might be old outdate...
by Alexa9
Tue Dec 05, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1564

Running Linux vs Other OS?

Windows: Pros: Most Software/Games, Cons: Virus/Malware, Clunky UI Mac: Pros: Smooth OS, Better UI Cons: Limited Software Linux: Pros: Most Secure Cons: Least Popular Anyone have any other input, especially with running Linux? Looking to build a PC or NUC. The Mac Mini is almost 4 years old so debat...
by Alexa9
Mon Dec 04, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help Damsel In Distress
Replies: 15
Views: 2505

Re: Help Damsel In Distress

I would move everything to Vanguard. Use their Lifestrategy Conservative Growth Fund. It has 40% Stocks 60% Bonds. You are sitting on a lot of cash. I would use that towards a large down payment on a house or if you want to continue to rent I would read up on taxable investing. Don't rush into anyth...
by Alexa9
Sat Dec 02, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Wellesley Fund gender diversity and climate focus
Replies: 9
Views: 1093

Re: Wellesley Fund gender diversity and climate focus

Political correctness in a fund offends people more than it attracts them and is not passive.
I know some people go out of their way to invest in "vice" stocks (alcohol, tobacco, and oil) and do very well.
by Alexa9
Sat Dec 02, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19549

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

I view Bitcoin as a penny stock or a lottery ticket in terms of the odds of it succeeding and the potential rewards, but I could be wrong.
by Alexa9
Fri Dec 01, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3540

Re: Is 60/40 mix the sleep mix or 80/20 mix

80/20 is a young person allocation
60/40 is the traditional endowment ratio for universities and middle age allocation
40/60 is a retirement allocation
by Alexa9
Fri Dec 01, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8816

Re: Amount You Need To Save Annually Over Lifespan

Looking at a retirement calculator with exponential compound growth, the importance of saving a larger amount as young as possible and continuing to save allows you to retire earlier or more comfortably. I think $1M in your retirement accounts at age 50 is a reasonable goal and saving at least $20k/...
by Alexa9
Fri Dec 01, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8816

Re: Amount You Need To Save Annually Over Lifespan

I bring this up because many young people seem to live paycheck to paycheck and spend whatever they get whether it's the latest smart phone or an expensive vacation. They don't realize how much they need to save to retire. I rarely hear it mentioned that you should save X amount per year on average ...
by Alexa9
Fri Dec 01, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8816

Amount You Need To Save Annually Over Lifespan

Assuming you want $2M @ age 65: If you start saving for retirement at age 25 with zero debt, how much do you need to save on average using IRA/401k and Target Date Funds? Just a rough estimate. Assuming some people may save/make more as they get closer to retirement and buy a house when they are you...
by Alexa9
Thu Nov 30, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 1923

Re: Negotiating used car - Toyota Highlander

Used cars are the most negotiable. Offer them your price, give them your phone number, and walk away. Don't get attached to one vehicle. The longer it sits there the better. Wait for a deal if you have the patience. You're better off buying used from a private party one owner with clean Carfax than ...
by Alexa9
Thu Nov 30, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Got cash ... What to buy?
Replies: 10
Views: 1179

Re: Got cash ... What to buy?

DCA using a penalty CD Ladder so you don't cheat and have time to think about it. Write your plan down. If you feel a market correction is coming, I'd suggest a 50/50 allocation or more conservative even if it helps you sleep at night.
by Alexa9
Wed Nov 29, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 6687

Re: How much to tip movers?

If they go above and beyond normal, I might tip $10 each. The best tip is to get hired again or a referral.
by Alexa9
Tue Nov 28, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5102

Re: Safest roomy luxury suv?

The only Luxury SUV I would buy would be a Lexus for long term reliability. It's consistently rated at the top for reliability. You can also buy used or CPO and have peace of mind that it should be reliable. I would definitely lease German Luxury or get an extended warranty and sell when it's up. I'...
by Alexa9
Tue Nov 28, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5180

Re: How Do You Stay Current With Popular Music?

Mainstream new pop music is mostly pretty bad IMO. There are plenty of indie artists that might appeal to you though if you search a bit. I would check local small venues around the country depending on what genre you like. Chicago - Blues. Nashville - Country. New York - Classical.
by Alexa9
Tue Nov 28, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: Tracking the Bitcoin Bubble in Real Time?
Replies: 70
Views: 4823

Re: Tracking the Bitcoin Bubble in Real Time?

Bitcoin is a hot topic. It could be boom or bust just like people scoffed at many other new companies: Google, Amazon, Facebook, etc.
I think the main flaws in Bitcoin is that the price is manipulated, it can be hacked, and people don't fully understand it (myself included).
by Alexa9
Tue Nov 28, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 2573

Re: Audiophile Headphones

A little update: Went with the Sennheiser HD650 ($315) and AudioTechnica ATH-M50x ($150). The Sennheisers are phenomenal. I will probably return the AudioTechnicas. The ZMF look nice but they're a little steep. I might give the Sonys a try too.
by Alexa9
Mon Nov 27, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 60
Views: 5127

Re: Amazon Prime - Decline in Delivery Service?

I’ve noticed this too. However USPS delivers on Sundays now so I tolerate 3-4 day shipping especially this time of year.
by Alexa9
Mon Nov 27, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 12012

Re: Bonds Are Riskier Than People Think

But, "bonds are riskier than people think?" I don't like that at all. What are the "people," what do they "think," and what do you mean by "bonds?" I am referring to Vanguard Total Bond Market and Vanguard Total International Bond Market. The most widely recommended bond funds by Vanguard and Bogle...
by Alexa9
Sun Nov 26, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone bail early and regret it?
Replies: 12
Views: 2842

Re: Anyone bail early and regret it?

I expected the market to tank years ago. I realize that it is unpredictable and following your gut is not advisable. Now I think it's better to have a conservative allocation than no allocation.
by Alexa9
Sun Nov 26, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 12012

Re: Bonds Are Riskier Than People Think

bottlecap wrote:
Sun Nov 26, 2017 8:35 pm
No one here says to keep money you can't afford to lose in bonds. We almost uniformly recommend CDs or savings account.

JT
Taylor Larimore wrote:
Wed Sep 06, 2017 10:43 pm

My "Bond Fund Philosophy" is simple:

Money that I cannot afford to lose is in cash and bonds (Vanguard Total Bond Market Index Fund).

Best wishes.
Taylor
by Alexa9
Sun Nov 26, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 12012

Re: Bonds Are Riskier Than People Think

Admittedly this is a doomsday scenario and protecting your butt in a global downturn that doesn't bounce back.
CD's are FDIC insured and have no risk other than losing out on rising interest rates.
by Alexa9
Sun Nov 26, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Women's socks for hot feet
Replies: 12
Views: 751

Re: Women's socks for hot feet

Smartwool running wool socks. Very thin, cool, and durable. Also dress in layers.
by Alexa9
Sun Nov 26, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 12012

Re: Bonds Are Riskier Than People Think

The largest dip I'm aware of, in the Vanguard Total Bond Market Index Fund, occurred in 1994. It was a dip of less than 6%, and there was full recovery of invested value (I am counting fund dividends) by mid-1995. Is that what you consider to be a "considerable amount" and an unacceptable risk? htt...
by Alexa9
Sun Nov 26, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 12012

Bonds Are Riskier Than People Think

Looking at recent dips in bonds in the past 20 years, I feel safer with some of my fixed income allocation in CD's with zero downside risk. I've heard it quoted on here that you should keep the money you can't afford to lose in bonds, but feel that is not a good theory especially for retirees. Not o...
by Alexa9
Sun Nov 26, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2543

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

Depends completely on the individual and whether you want to stay in touch. How good of an employee you were, how good of a boss they were, how long you worked there, etc. I've never heard of anyone saying you should stay in touch unless you are friends. They are good for a reference and a backup pl...