Search found 108 matches

by BrianMc
Sun Aug 13, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Should I buy a paint sprayer?
Replies: 10
Views: 855

Re: Should I buy a paint sprayer?

Great responses, thanks everyone!
by BrianMc
Sat Aug 12, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Should I buy a paint sprayer?
Replies: 10
Views: 855

Should I buy a paint sprayer?

We're on our third home in 15+ years. The first two were new and I painted both interiors. Currently on our third home, which is approaching 40 years old. We have several projects on the horizon to include a complete re-siding job in the very near future. Because this will change the entire look of ...
by BrianMc
Fri Aug 04, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Home Remodeling Expenses
Replies: 12
Views: 1373

Re: Home Remodeling Expenses

MM, You're doing very well, congratulations. If you enjoy your home, like spending time in it, and plan to keep it for the foreseeable future, I say go for it. You have the funds, so if you can get everything you want for $60K, do it all at once. You'll minimize the inconvenience dealing with contra...
by BrianMc
Thu Aug 03, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Matching VTTSX 2060 to TSP fund?
Replies: 16
Views: 1052

Re: Matching VTTSX 2060 to TSP fund?

Better than most. Personally, I prefer a slightly higher exposure to small and mid caps. Additionally, the F fund has outperformed the G fund in recent memory, but there's definitely a place for the G. Thus, if I was looking at a 90/10 allocation, I'd go: C: 55% F: 15% I: 20% F: 5% G: 5% Enjoy the ...
by BrianMc
Thu Aug 03, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Matching VTTSX 2060 to TSP fund?
Replies: 16
Views: 1052

Re: Matching VTTSX 2060 to TSP fund?

There is a way to replicate Total International with a combination of the I Fund and Vanguard Funds. The mix has been posted on BH within the last year or so.
by BrianMc
Thu Aug 03, 2017 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Matching VTTSX 2060 to TSP fund?
Replies: 16
Views: 1052

Re: Matching VTTSX 2060 to TSP fund?

Better than most. Personally, I prefer a slightly higher exposure to small and mid caps. Additionally, the F fund has outperformed the G fund in recent memory, but there's definitely a place for the G. Thus, if I was looking at a 90/10 allocation, I'd go: C: 55% F: 15% I: 20% F: 5% G: 5% Enjoy the g...
by BrianMc
Mon Jul 31, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: $300k at 32. Doing well?
Replies: 14
Views: 2902

Re: How are they doing? $300k at 32

Due to the precise details provided, you seem to know just about everything about your "friends" finances. Sooooooo, I must ask (as this may affect how people answer your OP; and I'm willing to wager others may be thinking the same thing), does this really pertain to your friends or is thi...
by BrianMc
Thu Apr 27, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 4364

Re: When does it make sense to stop paying to repair your old vehicle?

OP here. Of all my posts (I don't have many), this one has generated the greatest diversity of opinions. They've been enjoyable to read, so thanks. It's interesting to see what people focus on from my original post, so I'll elaborate on some things: 1. The paint job: I had the truck re-painted last ...
by BrianMc
Wed Apr 26, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 4364

Re: When does it make sense to stop paying to repair your old vehicle?

Drat,

I was thinking the same thing. I would love to give it to my son in furtherance of a lawn care business I've discussed with him (in our neighborhood alone, he'd make a killing mowing lawns, spreading mulch, etc).
by BrianMc
Wed Apr 26, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 4364

Re: When does it make sense to stop paying to repair your old vehicle?

PJs, Thanks. It's perhaps an attachment issue. Think driving several times across the country in the thing; flight school with 15 of your best friends (ever; and some have since passed) sitting in the truck's bed on the way to a night of fun; and the utility value of having a truck. That being said,...
by BrianMc
Wed Apr 26, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 4364

When does it make sense to stop paying to repair your old vehicle?

Hello All, My Boglehead-mobile is a 21 year-old American pick-up truck I bought new when I was a brand new military officer, which was my first, full-time job. It has 145K miles, a rebuilt engine (about 60K miles and 12 years ago), and I've kept very good care of it (honestly, I'm attached to it and...
by BrianMc
Fri Mar 31, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: New Annuity Horror - Any Way Out?
Replies: 5
Views: 756

Re: New Annuity Horror - Any Way Out?

Thank you! I hate to sound ghoulish, but if push comes to shove, what happens if she passes away in say, two years? Can she leave the balance to her church, charity, or relatives? If not, perhaps this is a way to have her reconsider?
by BrianMc
Fri Mar 31, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: New Annuity Horror - Any Way Out?
Replies: 5
Views: 756

New Annuity Horror - Any Way Out?

All, I received some disheartening info today. I don't have all the info as what I've received is second hand...An older relative who's lived on her own her entire life but is close to my DW reportedly cashed out either her 401K or company stock ($50K) and purchased an annuity. The annuity will pay ...
by BrianMc
Sun Feb 19, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Stock Portfolio? - 20s Military Investor
Replies: 13
Views: 1631

Re: 100% Stock Portfolio? - 20s Military Investor

I was you twenty years ago. Yes, 100% is fine for now. Start reading some books if you haven't already to help you with determining your personal asset allocation (you may ultimately decide you like what you have). Here are three I recommend in no particular order (in addition to the Bogleheads book...
by BrianMc
Sun Feb 19, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Investing or Private Student Loans ($300K+ total student loans; $53K of which are private)
Replies: 7
Views: 811

Re: TSP Investing or Private Student Loans ($300K+ total student loans; $53K of which are private)

Unless I'm reading your post incorrectly, this seems to be more of a moral question...do you pay the loans you took out (and I assume agreed to) or do you try to get out of them? You also mentioned pursuing this after your probationary period, which I found interesting. Are you concerned this will n...
by BrianMc
Sat Feb 18, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 59
Views: 4220

Re: Long Day Trip: Drive Old Car or Rent Car?

Less than $20 to drive your family around in a nicer car.

Be a wild man for a day and splurge.

Honestly, the time you've spent thinking about this trivial amount of money would be better spent doing other things.

Enjoy your trip! :D
by BrianMc
Sun Feb 12, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 6402

Re: Kitchen cabinets

Those look like nice cabinets. Do they get dirty? All depends on the usage and who is handling the doors and drawers (adults with clean hands or little folks with melted popsicles in them). I like white cabinets and plan to get ours professionally painted (we have dark oak...think late 70s). Do a li...
by BrianMc
Sun Feb 12, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Privatecollege529 vs Texas Prepaid Tuition
Replies: 4
Views: 471

Re: Privatecollege529 vs Texas Prepaid Tuition

I do not reside in TX and do not have a PrivateCollege529 or TexasPromiseFund/State529/StatePrepaidTuition. I'm in a similar boat though, as I have 529s in two different states in which I received/receive tax incentives on my state taxes. Based on some quick research, here are my thoughts on what yo...
by BrianMc
Sat Feb 11, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 3104

Re: Convince Wife for Honda Odyssey

We've owned our Odyssey for almost 10 years. Many, many wonderful memories so far to include bringing our kids home from the hospital as newborns, to filling the ENTIRE trunk with suitcases and toys for a one week summer vacation, to having a "perfectly healthy" three year old projectile v...
by BrianMc
Sat Feb 04, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 7225

Re: Cord cut strategy for young family

BD, I can't answer all of your questions, but I can answer some. First, I'd see how many channels you can access over the digital airwaves. Check out this site and input your zip code: m. If you're in a relatively flat area, you may get several (I can get 40+). If you're in a hilly or mountainous ar...
by BrianMc
Tue Jan 31, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3784

Re: Are you changing your AA based on current events?

No. Case and point: I conducted my annual re-balancing and planned contributions a few weeks ago. The market was doing great. I paused for a moment and contemplated increasing my stock allocation - I didn't. Now, a few weeks later, one could think more bonds could be a better move based on current e...
by BrianMc
Mon Jan 16, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 39
Views: 3532

Re: Streaming TV for Elderly Parents

I do not have the knowledge to do much of what is discussed here, although I know from discussions I'm overpaying for cable (Comcast) and land line phone and internet (Verizon). I receive offers from Comcast, for everything, MUCH cheaper than the combined fee I pay now. Does anyone take this sort o...
by BrianMc
Mon Jan 16, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 39
Views: 3532

Re: Streaming TV for Elderly Parents

I can speak from personal experience as "we cut the cord" from cable on December 31 and it lasted two weeks. Personally, I can live with the antenna and Roku (and I actually enjoy the simplicity...we receive approx. 45 digital channels where I live with a simple $25 antenna), but there are...
by BrianMc
Sat Jan 14, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to NOT go all G Fund for Bond Allocation?
Replies: 5
Views: 946

Any reason to NOT go all G Fund for Bond Allocation?

Hi All, This is the weekend I usually rebalance my portfolio (Roth IRA and TSP). I keep all of my bonds (25% of my portfolio) in my TSP via the G Fund (20%) and the F Fund (5%). I just looked at the current composition of the L2040 fund, and it currently holds 20.5% in G and 6% in F. I know there ar...
by BrianMc
Wed Jan 11, 2017 2:17 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5667

Re: France or Switzerland

normaldude wrote:According to the Economist.com's Big Mac index, Switzerland is literally the most expensive place in the world.

Big Mac Cost:

- Switzerland: $6.59

- USA: $5.04

- Euro Area: $4.21

http://www.economist.com/content/big-mac-index


The Economist folks must have bought their Big Macs in Alaska or Hawaii! :sharebeer :sharebeer
by BrianMc
Wed Jan 11, 2017 1:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 21183

Re: Sad News About a Respected Forum Member

Ole Meph, a Boglehead and Diehards legend. About 12 years ago, there were a series of monster threads on M* concerning a financial company many would consider "questionable" (I'm keeping it kind and not mentioning their name) in its dealings with military personnel with respect to investin...
by BrianMc
Sun Jan 08, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 2452

Re: Reverting to a Wood Burning Fireplace from Gas

Many thanks to all for your very thoughtful, detailed responses. I've taken your recommendations to heart and I've decided to keep the gas fireplace for now and see if I can possibly add a blower to get some heat from it. For those who asked, it's located on the main level and on an exterior wall. W...
by BrianMc
Sun Jan 08, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 2452

Re: Reverting to a Wood Burning Fireplace from Gas

If you want more heat, check to see if you have a vented or a ventless gas log insert. Vented will require the flue to be open and as said above, much of the heat actually just goes out the chimney. We have a ventless insert, so the flue doesn't need to be open and most of the heat comes into the h...
by BrianMc
Sun Jan 08, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 2452

Re: Reverting to a Wood Burning Fireplace from Gas

user5027 wrote:I would consider getting a wood stove insert. From what you describe it is an open fireplace and most of the heat goes up the chimney.


Who specializes in something like this...a mason?
by BrianMc
Sun Jan 08, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 2452

Re: Reverting to a Wood Burning Fireplace from Gas

Is it sized properly for the room (BTUs?)? Does it have a blower installed to move the air? What is the condition of the chimney? . Pardon my ignorance, but I have no idea if it's properly sized for the room. The fireplace was constructed when the home was built. The original owner actually watched...
by BrianMc
Sun Jan 08, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 2452

Reverting to a Wood Burning Fireplace from Gas

I was wondering if anyone's ever gone back to a wood burning fireplace after having converted to gas? We bought our home from the original owners years back and it has a beautiful fireplace. I would say it's the focal point of the downstairs and was one of the home's selling points in my eyes. The p...
by BrianMc
Sat Jan 07, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 12197

Re: Is driving for uber worth it for side money?

While the app knows where you are going and has already plotted out the fastest route, the DRIVER is not allowed to see any of this until they've already driven to pick you up and you are in the car. The driver has no knowledge of your destination when he or she accepts the ride. So it's possible t...
by BrianMc
Thu Jan 05, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Good time for VGPMX? [Vanguard Precious Metals And Mining]
Replies: 18
Views: 2120

Re: Good time for VGPMX? [Vanguard Precious Metals And Mining]

It was up 51% last year. Seems like it had a phenomenal year. It did have a great year last year. However, I bought it almost exactly two years ago (12/24/14 to be exact) and am up a little over 5% in total over that time--including dividends. It is very volatile and has not been a great long term ...
by BrianMc
Wed Jan 04, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Good time for VGPMX? [Vanguard Precious Metals And Mining]
Replies: 18
Views: 2120

Re: Good time for VGPMX? [Vanguard Precious Metals And Mining]

It was up 51% last year. Seems like it had a phenomenal year.
by BrianMc
Wed Jan 04, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 6143

Re: Investing in a Masters and Ph.D?

Sure, before I attended college in the 90's I was in hotel industry for 10 years. I loved the hotel industry since it offered travel and it was fun. After 911, I decided to change course since Hotel industry slowed down after 911. I always wanted to be a teacher since I was in the 3rd grade. So I d...
by BrianMc
Tue Jan 03, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 6143

Re: Investing in a Masters and Ph.D?

Hi Jack, I was wondering if you wouldn't mind sharing what you've done, employment wise, since college. No need for a year by year accounting, just a general idea to maybe help some of us think of some other options. I know you're in sales, have a CDL, substitute teach, and drive a limousine. Have y...
by BrianMc
Tue Jan 03, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Exterior Paint vs. Vinyl Siding
Replies: 24
Views: 1856

Re: Exterior Paint vs. Vinyl Siding

Mancich, Take a look at LP Smartside (I'm about to pull the trigger). For approx 25 square of siding, soffits, fascia, gutters, gutter guards, etc., I'm looking around $25-28K. It's going to hurt a little (OK, more than a little), but I think it will be worth in in the long run. I live in a similar ...
by BrianMc
Thu Dec 29, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help Parents Again?
Replies: 63
Views: 5148

Re: Help Parents Again?


Maybe I missed something, but what is the story with the condo?



That's the inference many, myself included, have presumed.

OP: Can you confirm please?
by BrianMc
Thu Dec 29, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Help Parents Again?
Replies: 63
Views: 5148

Re: Help Parents Again?

matto wrote:
BrianMc wrote:2. They are willing to pay you rent which will cover the mortgage payment, taxes, maintenance, condo fees, etc);

How would you enforce this without evicting your own parents?


You couldn't. But this is a very unusual situation and I'm happy you're provided another alternative. :D
by BrianMc
Thu Dec 29, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Help Parents Again?
Replies: 63
Views: 5148

Re: Help Parents Again?

I'm sorry you're in this situation as you sound like a good man. Here's my advice to you, Man to Man, Husband to Husband, Father to Father: YOU are responsible for the financial and overall well-being of YOUR WIFE and YOUR CHILD (I'm sure I'll take heat for this "old-fashioned view" from s...
by BrianMc
Thu Dec 29, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Where is my 401K?
Replies: 8
Views: 824

Re: Where is my 401K?

When companies are acquired, and 401ks merged, it takes a little bit of time to process all that. There should be communication on what the process is, what the black-out period (generally a couple weeks) when the participants cannot make changes. They won't "cut a check" for your son's 4...
by BrianMc
Thu Dec 29, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Where is my 401K?
Replies: 8
Views: 824

Re: Where is my 401K?

livesoft wrote:Well, Son, what are YOU going to do about this? You made it through medical school, so this should be easy to figure out.


+1

My thoughts exactly...nice that the parent is looking out for their boy though.
by BrianMc
Thu Dec 29, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2611

Re: TSP F Fund or Vanguard Funds?

Devil's Advocate: Why not the G Fund?
by BrianMc
Thu Dec 29, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Where is my 401K?
Replies: 8
Views: 824

Re: Where is my 401K

I think your son should get on the phone with his old provider and tell them the new provider knows nothing about him. Surely the old provider can determine if the check they mailed has been cashed. If it's been cashed, where is the money? Additionally, if he was supposed to be making and receiving ...
by BrianMc
Thu Dec 29, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: NYS 529 Deduction Question
Replies: 4
Views: 647

Re: NYS 529 Deduction Question

MD, I just glanced at the NY 529 disclosure booklet and I'll say it's not the easiest of reading. Before you open an account in another state, I would inquire with the NY folks and ask if NY allows someone in your situation to make the full deposit ($70K now) and take the $10K in deductions over the...
by BrianMc
Tue Dec 27, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Streaming Device w/ Google Play & Amazon Video
Replies: 15
Views: 1503

Re: Streaming Device w/ Google Play & Amazon Video

Not sure if other devices have this feature, but I recently purchased the Roku Ultra ($129) and it has a voice activated search function = no more typing to search for your show or movie. It also compares your search with availabilities and associated costs (if any) among the different streaming ser...
by BrianMc
Mon Dec 26, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: 17 years wasted. Want to do it myself now. Advice, please.
Replies: 58
Views: 10317

Re: 17 years wasted. Want to do it myself now. Advice, please.

Let me pat you on the back: At age 42, you will have your mortgage paid in full. That is huge. Plenty of time to make up for those "wasted years." Congrats. -Brian
by BrianMc
Sun Dec 11, 2016 1:39 am
Forum: Personal Consumer Issues
Topic: Two stage Snowblowers -- 22" or 28+"?
Replies: 40
Views: 3080

Re: Two stage Snowblowers -- 22" or 28+"?

Get the 28". I have a 28" Ariens I purchased at Home Depot five years ago and it throws the snow far. I love it (I actually really do getting out there and clearing the snow). It takes about an hour to clear my large driveway and I've never had an issue (it has a decent slope). It's self-p...
by BrianMc
Tue Nov 08, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Best way to visit NYC from DC
Replies: 33
Views: 2869

Re: Best way to visit NYC from DC

To get from DC to Manhattan and back: Train (Amtrak) all the way. If you have the funds to do so, splurge and take the Acela, Amtrak's high speed train. If you can't afford it now, do it sometime in your life. If you and Mrs Wije like to read, sit in the "Quiet Car" where only conversation...
by BrianMc
Sun Nov 06, 2016 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Car Registration in 2 states? - VA & DE
Replies: 29
Views: 4094

Re: Car Registration in 2 states? - VA & DE

Some friendly advice... I'd become very familiar with the Virginia vehicle registration requirements. Here's why: A friend of mine was working in DC and living in a northern Virginia suburb. He was actually a citizen of a mid-western state and working for the Fed Govt on a program which, per the Fed...