Search found 476 matches

by BogleBoogie
Mon Dec 11, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Upside Down On Vehicle
Replies: 16
Views: 1102

Re: Upside Down On Vehicle

So I bought a diesel truck a few months ago, it is a used GMC 2500HD Duramax. Love the truck but for the heck of it just to see realistically what its worth if I ever wanted to trade it in...I called a few dealers. I owe roughly 5k more than I would get for a dealer trade in....and although I'm not...
by BogleBoogie
Wed Dec 06, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10721

Re: Do people still use AAA?

I cancelled AAA few years ago and instead added "emergency road service" to Geico. The savings is quite signficant. AAA costs about $56/year while Geico only $4.80. And if my credit card provides this service for free, I will even drop Geico. Few months ago, I got stranded on the highway. Called Ch...
by BogleBoogie
Sat Dec 02, 2017 11:46 pm
Forum: Investing - Theory, News & General
Topic: Is 60/40 mix the sleep mix or 80/20 mix
Replies: 38
Views: 3531

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

https://s8.postimg.org/5bc6oyz5x/33vdb9f.jpg-3.png Thanks, "nisiprius", always a cool chart at the ready. "A picture is worth a thousand words", its been said. Your points hold true in the real world as far as the wide margin of allocations. My recently deceased FIL at age 94 was nearly 100% in equ...
by BogleBoogie
Tue Nov 28, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5090

Re: Safest roomy luxury suv?

TomatoTomahto wrote:
Mon Nov 27, 2017 8:16 am
If a CUV is fine, which most SUVs really are:

Tesla Model X in 5 seat configuration.

Volvo XC90.

Mercedes GLE.

I would not touch an Audi wth a barge pole.
What about a Mercedes G Wagon?
by BogleBoogie
Tue Nov 28, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I Pay Off 3.25% Home Equity Line of Credit?
Replies: 15
Views: 2298

Re: Should I Pay Off 3.25% Home Equity Line of Credit?

Dansandiego wrote:
Sun Sep 18, 2016 5:08 pm
11111
Morse code?
by BogleBoogie
Tue Nov 28, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: best SUV
Replies: 30
Views: 2730

Re: best SUV

HerbRight wrote:
Tue Nov 21, 2017 11:33 pm
What is the best SUV for families, and 7 places (not minivans) i.e pathfinder, pilot, etc... should I wait for the new Subaru ASCENT???
We really like our Chevy Tahoe. You won't find that answer as common on this site, but my wife swears by it. It has been mostly reliable and is safe.
by BogleBoogie
Sun Nov 26, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25892

Re: Currently have $700,000 at 26 years old get $100,000 a year

I have my doubts that this is a real life scenario...feels like a trolling OP.
by BogleBoogie
Sat Nov 25, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2534

Re: Pay this off now or not?

Given your income and relatively low cost of living, I would pay off the student loans as quickly as you can. As you calculated, this is a GUARANTEED savings of $30K. If your income was not as high and you were losing valuable time to get money in your retirement account, IMO this would be tough dec...
by BogleBoogie
Sat Nov 25, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 8943

Re: Thankful for the Debt we Took - Should we Try Again?

I like the idea of locking in a low rate (3.80%) on a 30 year fixed. As far as taking cash out to invest it, I'm not a fan of that. You have done particularly well, much of that is luck. Don't leverage your house to invest when the market is at an all time high. Start paying down the principal with ...
by BogleBoogie
Fri Nov 24, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 6909

Re: Any BLACK FRIDAY deals for Bogleheads?

I've never bought anything on Black Friday (or Cyber Monday). Perhaps I am missing out on something, but most likely I'm better off without getting involved in the whole circus. Sometimes I do and sometimes I don't. Here is my approach. 1. If I think I want an item I add it to my Amazon wish list. ...
by BogleBoogie
Thu Nov 23, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 14000

Re: Is holding bonds now dangerous?

I wouldn't consider holding bonds dangerous...driving on the highway while not wearing a seatbelt, now that is dangerous.
by BogleBoogie
Wed Nov 22, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds v. Mortgage Payoff
Replies: 21
Views: 2069

Re: Bonds v. Mortgage Payoff

There is no "right" answer as there are a few schools of thought on this one. My opinion would be to consider splitting the baby. Liquidate some bonds and stocks (keep your AA as the previous poster noted) and pay down some of the mortgage if you want. At 3.75% you are getting pretty cheap money. Wi...
by BogleBoogie
Tue Nov 21, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14054

Re: Dave Ramsey says don't use credit cards, even if you pay them off

There have been various, divisive, threads on this topic in the past. Very little good comes from them other than arguments. I agree. In one of these Dave Ramsey's threads someone made the (sarcastic?) suggestion that the site should have a sub-forum dedicated to Dave Ramsey in consideration to how...
by BogleBoogie
Mon Nov 20, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14054

Re: Dave Ramsey says don't use credit cards, even if you pay them off

IMO, it comes down to the individual. If you require a cash budget to keep yourself honest, then the rewards from CCs aren't worth it. I have $504 rewards stacked on 1 of 5 of my credit cards. I've never carried a balance or paid interest. This is 2017, some place don't even accept cash! If you have...
by BogleBoogie
Mon Nov 20, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 16
Views: 1962

Re: How am I doing?

What does your Federal Pension consist of?
by BogleBoogie
Sun Nov 19, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Complete the Bogleheads Transition
Replies: 25
Views: 2742

Re: Help Me Compete the Bogleheads Transition

PFInterest wrote:
Sun Nov 19, 2017 12:01 am
BogleBoogie wrote:
Sat Nov 18, 2017 11:57 pm
Who is your competition?
The world! Or us...
Haha! The title of this post had me wondering that.
by BogleBoogie
Sat Nov 18, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to payoff mortgage
Replies: 15
Views: 2168

Re: Looking to payoff mortgage

A rate of 2.75% after deducting the mortgage interest (depending on your tax bracket) is likely working out to under 2%. I'm not convinced taking a large sum of money and paying off the house is the best option. You should be able to do much better than sub-2% with the money you have. I know this is...
by BogleBoogie
Fri Nov 17, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5139

Re: My dad's army jacket

My father passed away and he treasured his Army belongings. He served in the early 1950s. I have his short wool green military jacket. I had it cleaned, the sleeves shortened and would like to wear it occasionally. I am wearing it for no other reason than it was his, held importance for him and it'...
by BogleBoogie
Fri Nov 17, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Refinance 30yr to 15yr mortgage?
Replies: 33
Views: 3306

Re: Refinance 30yr to 15yr mortgage?

OP, Why would you prepay principal on a rental property? A) If it is cash flow positive and you are making money out of it, why would you put more money into it? B) If it is not cash flow positive and you are not making money out of it, why would you keep the property? If you have extra money, inve...
by BogleBoogie
Sun Nov 05, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Best savings account (or fund) for my emergency account?
Replies: 11
Views: 825

Re: Best savings account (or fund) for my emergency account?

Take your time, it is $200 not $2,000 for depositing $25,000.
by BogleBoogie
Wed Nov 01, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3543

Re: Put cash into a home or stock market.

More important question: at age 29, do you really want a house and everything that comes along with it? Why? Because he's getting it at a great price. If it were at market value, I would probably ask this question too. But at a below market price this is a no-brainer. Put the minimum down payment t...
by BogleBoogie
Sat Oct 21, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 33
Views: 6446

Re: When one reaches the 1 million mark what to do with all the money?

What changed between the $999,900 mark and 1 million that would cause any change to your plan?
by BogleBoogie
Sat Oct 21, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5415

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Have you ever driven the 6 cylinder Toyota Camry? It has a lot more top end speed than the 4 cylinder.
by BogleBoogie
Sat Oct 21, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 6806

Re: Worry market crush, selling 50%, but increase buying 100%

ThePrince wrote:
Fri Oct 20, 2017 11:16 pm
WhiteMaxima wrote:
Fri Oct 20, 2017 2:49 pm
I am staying neutral now: 50/50. I don't call it timing. I see risk ahead.
You are timing the market—end of story.
"This time it is different" (there is risk ahead)
by BogleBoogie
Sat Oct 21, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 6806

Re: Worry market crush, selling 50%, but increase buying 100%

I did some AA this month, move AA to 50/50. However, I did 401k purchase allocation to 100% into equity. US/Intl 50/50. Yes, I am more comfortable. I will capture 50% of market gain but limit 50% loss. In case of crash, I will be all in again. This year is good for me. I am up 18.8%. Please keep me...
by BogleBoogie
Fri Oct 20, 2017 1:31 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5883

Re: Is a crash coming soon?

Nate79 wrote:
Fri Oct 20, 2017 12:07 am
CULater wrote:
Thu Oct 19, 2017 7:44 pm
I just decided today that my risk tolerance is 10% lower than it was yesterday --- so I reduced my stock allocation accordingly. :?
Why?
Good question. What life circumstances changed that reduced your need or ability to take risk?
by BogleBoogie
Fri Oct 20, 2017 1:30 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5883

Re: Is a crash coming soon?

"Nobody knows nothing." -Jack Bogle

(Also, no one on this forum knows when/if a crash is coming)
by BogleBoogie
Fri Oct 20, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27462

Re: Sitting on cash....Waiting for a crash

After scanning this thread, I see lot's of contrarian comments from people who are 100% in stocks or close to it. That is just as bad as the OP's strategy in my book. Why is it just as bad? 100% stocks is a course that some choose who have the willingness and ability to take on that type of risk (I...
by BogleBoogie
Thu Oct 19, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: 1st Time Cruise - Princess and wifi
Replies: 23
Views: 2098

Re: 1st Time Cruise - Princess and wifi

johnubc wrote:
Wed Oct 18, 2017 7:30 pm
If you are going on a Cruise - I would assume a vacation - make a vacation out of it - and ditch the WiFi - you will be much happier without it.
Was thinking the same thing and am about to do the same thing!
by BogleBoogie
Thu Oct 19, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27462

Re: Sitting on cash....Waiting for a crash

Is there any Bogleheads out there that has decided to hold onto cash right now since valuations are so high and interest rates are so low? I know that the 'Bogle' answer is to stay the course and just keep eating my allocation plan for breakfast. But it just feels so foolish right now to put money ...
by BogleBoogie
Tue Oct 10, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance...again (15y at 3.25% going to 2.875%)?
Replies: 11
Views: 1442

Re: Should I refinance...again (15y at 3.25% going to 2.875%)?

The rule I've been told by several loan agents, is it isn't worth a refi unless you can drop your interest rate 1/2 a percentage point or more. Of course if you are looking at changing a loan term that is another story. I don't know how applicable this rule of thumb is, but passing it along neverthe...
by BogleBoogie
Sat Oct 07, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7386

Re: Tips on Uber

Just tip, don't be a tightwad, these people barely make enough to justify what their doing. Saying the app doesn't allow it, is just a copout, just hand them a five, at least their trying to make ends meet by working. People remind me of some relatives, they have boat loads of money but like to pre...
by BogleBoogie
Fri Oct 06, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11703

Re: Millionaire Next Door (Thank you Bogleheads)

I love this sort of story. I read that book many years ago (Millionaire Next Door), and it's always great to hear about someone who has successfully accomplished what the book describes (since, as you know from the book, you wouldn't otherwise be able to tell just by judging how someone looks or wh...
by BogleBoogie
Wed Oct 04, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 1102

Re: Question on Bond Portion of AA

hacker258 wrote:
Mon Oct 02, 2017 9:12 am
I agree with the last post - 3.4% is almost too good to be true. My stabel value yields about 2% NET OF .75% EXPENSES. Are you sure 3.4 is net?
Yes, I am sure. Triple checked!
by BogleBoogie
Tue Oct 03, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 4226

Re: Should I get a New Macbook Pro?

I'm posting this on a 2008 Macbook. The upside to Mac (IMO) is they seem to last a long time. I have had a new hard drive installed which was about $80 and really sped this laptop up. I'm on my 3rd battery. I had to replace it with a cheap $22 non-Apple product on eBay. I think you can certainly jus...
by BogleBoogie
Mon Oct 02, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: loosening the purse strings a bit at 37?
Replies: 30
Views: 4090

Re: loosening the purse strings a bit at 37?

I'm in a similar financial situation and family in terms of ages. It sounds like you have a struck a great balance where you are enjoying your time and some of your money in the NOW, versus delaying all gratification. One thing that helps me stay on track is I envision having that extra money when I...
by BogleBoogie
Mon Oct 02, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6615

Re: Are credit cards rewards worth it?

I charge everything on my credit card for the 2% cash back (citi double cash). I also like seeing how much I spent each month. I PAY MY BALANCE IN FULL EVERY MONTH. But I hate seeing that I owe. Id rather use my debt card. Is the 2% cash back worth it. Do you use debt or credit and if credit what r...
by BogleBoogie
Sun Oct 01, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 1102

Re: Question on Bond Portion of AA

Dude2 wrote:
Sun Oct 01, 2017 8:41 am
What about half stable value and half to a fund that is mapped to the Aggregate Bond Index? Best of both worlds.
Thanks for the suggestion. This is what I was leaning towards, but wanted to make sure there wasn't something I am missing. :sharebeer
by BogleBoogie
Sun Oct 01, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 1102

Question on Bond Portion of AA

Quick question on stable value fund versus bond index fund. My employer is going to soon allow me access to a stable value fund that has a 3.40% return. I understand bonds and know that sometimes they do better than this and sometimes worse. I am very open to opinions on if I should put my conservat...
by BogleBoogie
Sat Sep 30, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2991

Re: Caught by speed camera

Today as I was going through my mail, I was greeted with a $100 speeding ticket along with a picture of the back of my car and license plate. I was in East Liverpool, Ohio going to a High School football game and was traveling 62 in a 50. It was definitely me and I'm not denying it, I'm just asking...
by BogleBoogie
Sat Sep 23, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3893

Re: Luxury Car Purchase

I'm trying to figure out why I just read every comment on this thread. While I'm trying to figure that out, my advice is buy the car - especially after that tape measure comment.
by BogleBoogie
Mon Sep 18, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4540

Re: Buying nightguards (teeth grinding)

Strange you should mention that. I took a flyer on these: https://www.amazon.com/gp/product/B01JNH3XFO/ref=oh_aui_detailpage_o00_s00?ie=UTF8&psc=1 and found that they are bulky and uncomfortable to the point of being useless. I had no problem doing the processing to get them to fit. It is clear tha...
by BogleBoogie
Sun Sep 17, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: "36 Obvious Investment Truths"
Replies: 18
Views: 2885

Re: "36 Obvious Investment Truths"

VictoriaF wrote:
Wed Sep 06, 2017 3:15 pm
TheHouse7 wrote:
Wed Sep 06, 2017 1:29 pm
33. You are not Warren Buffett.

:oops:
There is at least one example that falsifies this assertion.

Victoria
Haha nice! Thank you for that made me smile this morning. :sharebeer
by BogleBoogie
Thu Sep 14, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 8228

Re: Do you pay for yardwork?

I personally do not enjoy yard work. Our lot is relatively small (10,000 square foot lot). We live in a somewhat HCOL so it costs us $50/month for the gardeners to come twice a month. I find the trade off for my time and hassle well worth the money. I have friends who enjoy doing their yard work - I...
by BogleBoogie
Tue Sep 12, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3626

Re: Keep or let go of my car?

Here is the final outcome of all of this from an indep mechanic. Oil change $71.95 Replaced front lower forward control arms Labor 405 Parts 425 Total $831 Alignment $90 Replaced brakes/rotors Labor 180 Parts 375 Total $553 (bc they said when BMW replaced the brakes under my extended maintenance pl...
by BogleBoogie
Tue Sep 12, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3626

Re: Keep or let go of my car?

I don't think comparing the value of a car to the cost of repairs is always the best way to look at it. What would the repairs get you? If the car's falling apart and every 10k miles is going to be a couple thousand in repairs, sure it's time to replace the car. But, if $5k of repairs makes it good...
by BogleBoogie
Tue Sep 12, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11217

Re: The 10 year car ownership "rule"

I just had to make decisions on cars we have own that are turning 10 and 9 years old. It is so subjective that you won't find the answer here, but many good points. What it came down for me, personally, was I realized I am really happy with both of our vehicles in terms of comfort and safety. Both h...
by BogleBoogie
Mon Sep 04, 2017 11:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117486

Re: Re:

I put in an order to sell some of my bond fund today and purchase a little of my stock index. Would that still go through after hours if trading was halted? Ofcmetz: You may want to wait on selling bonds to buy stock index. I believe the market will continue to decline. I hope this reaches you in t...