Search found 419 matches

by BogleBoogie
Wed Aug 23, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Best place to sell my used iPhone?
Replies: 18
Views: 1308

Re: Best place to sell my used iPhone?

I sell nothing on eBay anymore. It's far too easy for scammers to take your phone for free. All they need to do is take a picture of their broken screen phone and send it to eBay saying it arrived "not as described". Either eBay or paypal will refund your money and you are stuck. Plenty of members ...
by BogleBoogie
Thu Aug 17, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3816
Views: 1000940

Re: U.S. stocks in freefall

. The market declined about 1% and you are feeling lucky because you sold a few weeks ago? What I was referring to was the title of this thread. I know we're all just being goofy for the most part, but my point was made in reference to IF the market continues to decline. I fully realize that a one ...
by BogleBoogie
Thu Aug 17, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3816
Views: 1000940

Re: U.S. stocks in freefall

I personally am hoping for a nice big correction. I have a lot of buying to do. I'm also happy that a couple weeks ago I decided to sell some shares in my taxable account to pay off some debt. Ended up being good luck I guess. We'll see though. The market declined about 1% and you are feeling lucky...
by BogleBoogie
Sat Aug 12, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Another Repair or Replace Car Thread
Replies: 28
Views: 2518

Re: Another Repair or Replace Car Thread

bjc3 wrote:
Mon Oct 31, 2016 3:53 pm
psteinx wrote:~15-16 year old car, about to cross the 200K mile mark. Various recent repairs, and more contemplated in near future. If you can afford a new car or newer used car, replacement sounds like a reasonable path.
+1
I hope you sold this car.
by BogleBoogie
Sat Aug 12, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Buying a 2017 Mazda 3 new for $15k?
Replies: 25
Views: 3008

Re: Buying a 2017 Mazda 3 new for $15k?

Well the 2K cash back and 0% APR + 1k APR cash are mutually exclusive. While I could in theory make 1500+ by doing the 1k cash back and putting the money into a 5-year CD, I'd have $1000 less taken off the price in today's dollars and the hassle of dealing with a loan for 5 years (plus a small loan...
by BogleBoogie
Fri Aug 11, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 2868

Re: Should I Buy a New Car?

Thank you again for all the wisdom. I rarely ask questions on here but when I do, I'm never disappointed. I ended up keeping my Toyota and will put a decent amount in for the maintenance with the hope that it will go another 100K. What helped me aside from the financial points was someone pointing a...
by BogleBoogie
Thu Aug 10, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: General Portfolio Advice and 529 recommendation
Replies: 9
Views: 472

Re: General Portfolio Advice and 529 recommendation

Sounds like you are doing really well in general! As for 529, I set an account up for each of my kids and chose the target date. I found this easier to put on cruise control than try to balance another AA. I don't see how you can go wrong with that. We chose to use Vanguard CA 529.
by BogleBoogie
Tue Aug 08, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 39
Views: 4336

Re: Love your family car? Under $16,000 Used? Please share!

I have been looking at new cars lately. Will likely keep my current car and forgo the purchase of a new one. Having said that, I found that the local Kia dealership has 2016 Optimas (yes, 2016) with no miles and 0% financing for $17,500. I haven't owned a Kia before but from my research, they seem g...
by BogleBoogie
Tue Aug 08, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 2868

Re: Should I Buy a New Car?

With no special conditions, I'd keep the Camry all the way; pay your $400-$1000 annually in regular maintenance to keep it running, and burn up those miles on an old reliable car. Special conditions: A) it's had a lot of repairs or B) you need to stay in a newer car due to an image requirement with...
by BogleBoogie
Tue Aug 08, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 2868

Re: Should I Buy a New Car?

Toons wrote:Get a New Civic,,,
If You can afford it.
We just purchased a Civic Hatchback,,,
Well thought out machine,with loads of techology packed in. :happy
Did you get the 2.0 or the 1.5 Turbo?
by BogleBoogie
Mon Aug 07, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 2868

Re: Should I Buy a New Car?

Not a problem. I might as well mention that my 2012 Honda CR-V is approaching 60k miles. That's less than your 2010 Camry at 95k miles, but my point is that my car is in good condition and I have no qualms about keeping it another 5 years. Unless you really want a new car, then I'd say to keep it. ...
by BogleBoogie
Mon Aug 07, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 2868

Re: Should I Buy a New Car?

Thank you all for the quick, thoughtful responses.
by BogleBoogie
Mon Aug 07, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 2868

Re: Should I Buy a New Car?

LadyGeek wrote:This thread is now in the Personal Consumer Issues forum (car).
Thank you and sorry!
by BogleBoogie
Mon Aug 07, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 2868

Should I Buy a New Car?

I have a 2010 Toyota Camry V6 with 95K miles. It needs new brakes, the 100k tune up (timing belt, etc.) and new tires. My estimate for costs for these things where I reside is about $1700-2000. I primarily use this vehicle to commute to work daily. I drive about 80 miles a day. The MPG I get with th...
by BogleBoogie
Sat Aug 05, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 5207

Re: does solar increase the value of a house

I purchased a house that had solar panels installed by previous owner. Panels were all paid off. It was one of the many reason I bought this house. Solar panels are south facing and somewhat discrete on the roof. Requiring no maintenance. I am pleased how minimal my overall electricity bill is. I w...
by BogleBoogie
Tue Jul 25, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31865

Re: John Bogle Has Been Right About Investing In International Stocks

I keep checking back on this thread. I find the emotionally charged responses entertaining. So much overthinking going on here in regards to the OP's post (well done :D ).
by BogleBoogie
Sat Jul 22, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Windfall: Buy or wait?
Replies: 30
Views: 3099

Re: Windfall: Buy or wait?

If you can't lose it, don't invest it. If you are concerned about the magnitude of loss, DCA or invest 50/50 in stocks and bonds. If you hold off because stocks are at highs, you are obviously timing the market. The efficacy of that has been well discussed here and elsewhere. But no one can say wit...
by BogleBoogie
Sat Jul 22, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9770

Re: Do you count vehicle equity in net worth?

As the subject says and just curious what the majority is. If you do, where do you draw the line? Count jewelry and other objects? Seems excessive and unnecessary. I've always thought of net worth as most reference it as no more than cash, investments, and home equity. Yes, if you own it. It is an ...
by BogleBoogie
Fri Jul 21, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Windfall: Buy or wait?
Replies: 30
Views: 3099

Re: Windfall: Buy or wait?

If you can't lose it, don't invest it. If you are concerned about the magnitude of loss, DCA or invest 50/50 in stocks and bonds. If you hold off because stocks are at highs, you are obviously timing the market. The efficacy of that has been well discussed here and elsewhere. But no one can say wit...
by BogleBoogie
Sun Jul 16, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Time replace washer and dryer [back of dryer so hot it burnt me]?
Replies: 21
Views: 1562

Re: Time replace washer and dryer [back of dryer so hot it burnt me]?

Get rid of the dryer. Dryers are a major cause of residential house fires. They are nothing to mess around with. Definitely don't leave the house with the thing running. Being such a cheap model to begin with, it's not worth it to fix it. Just getting a repairman out to look at it will cost you $10...
by BogleBoogie
Sun Jul 09, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 94
Views: 12843

Re: Can we/should we afford a $2M house?

Many folks on here don't or won't allow themselves to get it, but it is okay to spend money on stuff you want. That is why you and your wife have worked so hard up to this point. As long as you know the implications on your financial future. Ding Ding Ding Ding .... Winnner Absolutely right. I may ...
by BogleBoogie
Mon Jul 03, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13378

Re: Bogleheads: you should be buying 10-year old cars

Doom&Gloom wrote:Thread title should have been "Cheapskates" rather than "Bogleheads"


HAHAHA! This one for the win.
by BogleBoogie
Mon Jun 26, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 7557

Re: Is 60/40 too conservative for 31 year old?

I'm no expert by any means, but I'm surprised to see all this support for a 60/40 split for a 30 year old. Even the Target Retirement funds are set to glide at 90/10 until age 40. Now I'm second-guessing my own plans... They have little need to take risk, wife doesn't want to, and 60/40 can be suit...
by BogleBoogie
Mon Jun 19, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4199

Re: Good camera - new baby coming

With a baby due in a few months, my wife wants to buy a good camera. I would like recommendations on what qualities I should be looking for in a "good camera." She wants to be able to take "those pictures where the baby will be clear but everything in the background is blurry." ...
by BogleBoogie
Wed Jun 14, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 5849

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

Not unless you have just discovered that your stock allocation has always been too high for your risk tolerance, in which case you might dial it down and keep it down . The problem comes when people get greedy and want to get the risk premium without actually taking the risk. Well put! And I have t...
by BogleBoogie
Sat Jun 10, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5832

Re: Use 2013 Audi A5 or New Honda Accord Sport

WalterMitty wrote:You want the Audi...buy it!

Life is short, and this isn't a massive decision ($15K vs. $21K). If it turns out to be a bad decision, you will still probably be able to sell it for something, and you won't have any wonders about "what if".

Good luck.


+1
by BogleBoogie
Tue May 16, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: 403/457 Advice and Investment Check-Up Please
Replies: 8
Views: 592

Re: 403/457 Advice and Investment Check-Up Please

Did your adviser give you any reasons to invest in Roth over traditional for your 457 plan? At your tax bracket I would recommend making traditional contributions, especially since you can get into a lower tax bracket if you make sufficient traditional contributions. One exception to this is if you...
by BogleBoogie
Fri May 12, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Goofy idea - moving 401k to money market each weekend
Replies: 15
Views: 1783

Re: Goofy idea - moving 401k to money market each weekend

I have a question, that probably is not practical - just curious. In my 401k, I see that the money market fund pays interest daily. Why couldn't someone, on Friday afternoon, move their funds to the money market over the weekend and gain two days of interest? Then, on Monday, transfer back? Over ti...
by BogleBoogie
Sun May 07, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3570

Re: Swing Set 2700.00??

The key for buying used - look for (and avoid) rotted wood. As long as the wood is solid you'll be fine I did this and got one for free. It is really nice, probably over $1000 new. Still in a good condition. Keep checking Craigslist in your area. As for the comments suggesting you save the money an...
by BogleBoogie
Sun May 07, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 14749

Re: Most Common Financial Mistakes

What are the most common financial mistakes people make? Credit card debt, poor asset allocation (too risky/conservative, not diversified), not saving enough for retirement, buying more than one can afford (house, car, travel), choosing a spouse that is not financially smart, what else? It's good t...
by BogleBoogie
Fri Apr 28, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hit $1.5 million, another $1 million to go
Replies: 20
Views: 4328

Re: Hit $1.5 million, another $1 million to go

Just totaled up the net worth numbers, and financial assets have hit $1.5 million...wanted to share with someone, but couldn't think of anyone other than the crew at BH. About 10 years until retirement, 60% of the way to the $2.5 million goal (which will adjust up every year with inflation). Contri...
by BogleBoogie
Tue Apr 25, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 6956

Re: Investing $1M

I've recently come into some money (a little over $1M) and have retired in my mid-30s. I want this money to produce $30k/yr after-tax income for me and my family for life. I totally subscribe to buying and holding low-cost index funds and withdrawing for income. However, now just does not seem to b...
by BogleBoogie
Sat Apr 22, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: How much to pay a housekeeper?
Replies: 23
Views: 3040

Re: How much to pay a housekeeper?

We give our gal a raise every couple years. We are currently at $140 for about 8 hours work. Also in California but cheaper place than LA. I would probably bump your gal to $140 if you like her. As to the other comment about it being their business so they should ask for a raise... I think the dyna...
by BogleBoogie
Mon Apr 03, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: I don't want to retire until another bear market
Replies: 40
Views: 6281

Re: I don't want to retire until another bear market

I don’t think it’s crazy at all, especially if you’re not unhappy with your work. The US stock market is quite expensive, and international markets aren’t exactly cheap. I think there’s a real possibility of a deep and/or long bear market sometime in our future. For another perspective, if you have...
by BogleBoogie
Fri Mar 31, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 12045

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

" To whom much is given, much will be required ." PNW1 is exactly right: you need to find a worthy cause to which you can contribute your time and wealth. God knows there's real need and hardship out there in the larger world. I am frankly curious about what you see in your present lifest...
by BogleBoogie
Wed Mar 29, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 4097

Re: Do I need new tires?

consider your future buyers perspective: This guy/gal runs his tires down to 2/32. What other routine maintenance does he/she skimp on? This guy/gal just put a brand new set of Goodyear/Michelin/Bridgetones on. He/she takes good care of his cars. Or...this guy/gal put new tires on their car thinkin...
by BogleBoogie
Wed Mar 29, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 4097

Re: Do I need new tires?

Definitely get new tires. At 2/32 your stopping distances are probably 1.5x to 2x what they would be with good tires. So it's really a safety issue. You should be able to get replacements for MUCH less than $550. Check tirerack.com for your car and you'll see various choices including reviews. You ...
by BogleBoogie
Mon Mar 27, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help me spend $100k today
Replies: 4
Views: 1575

Re: Help me spend $100k today

So, i'm trying to plan my nest egg for my kids and I. A little background: - I max out my 401k each year - I max out my Roth contribution each year I'm a hoarder of my cash, simply because I fear market volatility. However, I'm not making squat on my cash, so i'm willing to invest it. Let's say I h...
by BogleBoogie
Mon Mar 27, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 7306

Re: Weathering sell-off days like today

feh wrote:
poker27 wrote:huh? Unless I'm missing something the S&P is down by half a point?


+1

If one is going to freak out when the index drops 1%, they probably shouldn't be holding equities at all.


+10
by BogleBoogie
Fri Mar 24, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 6113

Re: What to do with $100???

Contribute to kids' 529 college account.
by BogleBoogie
Thu Mar 23, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: 100% stocks w/pension?
Replies: 40
Views: 4895

Re: 100% stocks w/pension?

Sounds like you have the ability to hold a riskier stock allocation, but do you have the need to? My personal thought, and this subject is very opinion based, is not to treat the pension like it is yours. It is a contract and will *likely* be yours. I have a pension as well, it is too generous. I ho...
by BogleBoogie
Mon Mar 13, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 8883

Re: Tell me about Smart TVs and cutting cable

No regrets here, cut cable over a year ago. We bought the apple TV devices (our TV's aren't smart ) If you have friends or family that DO have cable, you may be able to utilize their passwords to access channels on your TV that are really intended for mobile devices for the cable subscriber. I calle...
by BogleBoogie
Sat Jan 28, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation - considering a change
Replies: 18
Views: 1628

Re: Asset Allocation - considering a change

All of the numbers you talk about are reasonable for your situation. The only thing that matters is how you will emotionally respond when the market crashes happen. There is no point in having a more aggressive portfolio if it causes even the least bit of discomfort. You don't need to be aggressive...
by BogleBoogie
Sat Jan 21, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 56
Views: 6914

Re: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

I've noticed what seems to be a Boglehead forum trend of Subaru enthusiasts. I've never owned a Subaru. I'm sure like most car buying, much of it is personal preference. I'm curious, from the Subaru owners on here what makes you a Subaru fan as opposed to other brands like Toyota, Honda, etc.? Than...
by BogleBoogie
Sat Jan 14, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: "Millennials may need to double how much they save for retirement"
Replies: 173
Views: 18706

Re: "Millennials may need to double how much they save for retirement"

Its all sensationalism. The message is basically "this time it really is different". If millennials need to save 25% of their incomes over 40 years in order to retire then retirement is dead. Maybe 5% of millennials (and that's probably too high a number) are capable and willing of doing ...
by BogleBoogie
Mon Jan 09, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 56
Views: 6914

Re: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

I've noticed what seems to be a Boglehead forum trend of Subaru enthusiasts. I've never owned a Subaru. I'm sure like most car buying, much of it is personal preference. I'm curious, from the Subaru owners on here what makes you a Subaru fan as opposed to other brands like Toyota, Honda, etc.? Thanks!
by BogleBoogie
Sat Jan 07, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 6193

Re: Getting rid of mice

In each of the last few winters, we've had to set out some mouse traps and catch mice in our kitchen when the weather really gets cold. Usually I catch a couple and continue to set out a bunch of traps every night before it dies off and activity slows. This year, I saw one go under our stove and se...
by BogleBoogie
Sun Dec 25, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 9623

Re: Bought a house for 560k in 2007

Minty wrote:
bubbadog wrote:Sell the house, take your loss, and move on.

+1.


+1 (like the other +1's)

Doesn't sound like there is much to discuss on this one...
by BogleBoogie
Fri Dec 16, 2016 12:05 am
Forum: Investing - Theory, News & General
Topic: I thought Swedroe was a fan of REITs?
Replies: 127
Views: 10936

Re: I thought Swedroe was a fan of REITs?

...I was completely shaken by the speed and amount of the fall in that fund. If you aren't aware, REITs had a much worse crash in 2008-2009 than the stock market as a whole. ... This was one of my biggest investment lessons. I didn't have much money in REIT's but the velocity of the loss really lef...