Search found 166 matches

by Candor
Fri Jun 15, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29213

Re: Ally online savings now at 1.45%

So I'll be expecting an e-mail from them by the end of next week notifying me of the increase. Thanks for the heads up. It's kind of interesting that I always hear about increases here before Ally gets around to letting me know. ^^Lately I've been receiving e-mail notifications much quicker so I gu...
by Candor
Fri Jun 08, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 66
Views: 8899

Re: The Psychology of Money - A Blog Post

One of my favourites: 'When most people say they want to be a millionaire, what they really mean is “I want to spend a million dollars,” which is literally the opposite of being a millionaire.'

Lots of wisdom in this blog. Thanks.
by Candor
Fri May 18, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 29
Views: 1674

Re: Nephew graduating high school & joining military. Gift Ideas?

Depending on what branch/mos a good quality knife might be appreciated/useful.
by Candor
Fri May 11, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2234

Re: how to figure that shoes need replacing

Compile a spreadsheet of hurt feet days and how they correspond to alternate ecco worn days while taking into account standing too long days and hopefully the answer will be obvious with some time.
by Candor
Fri May 11, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2664

Re: Happy 89th birthday to [Jack] Bogle

Never in the field of investing has so much been owed by so many to so few. Sorry, I couldn't help myself. Happy Birthday Mr. Bogle, and keep them coming!
by Candor
Fri May 04, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 5039

Re: [Car accident claim exceeds coverage, send to collection agency?]

The insurance company is willing to work with you and they have requested you keep in contact with them in order to avoid going to collections but it seems you intend to avoid contact with them. Are they 'not working with you' or are you just looking for advice to avoid your obligation?
by Candor
Fri May 04, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31778

Re: Those with high savings rate: why?

It eliminates or at least mitigates a lot of life's stressors.
by Candor
Sun Mar 25, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Low cost repair of CD players in older Camrys?
Replies: 27
Views: 1625

Re: Low cost repair of CD players in older Camrys?

Salvage auto parts. Plenty in your area.

Car-part.com
by Candor
Fri Mar 09, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 5483

Re: What is your investment strength?

Pure stubbornness and ability to withstand pain.
by Candor
Fri Mar 09, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: What's that smell?
Replies: 41
Views: 6230

Re: What's that smell?

The nose knows nothing.
by Candor
Fri Mar 02, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 19552

Re: What was your % pay raise?

Received a 2% raise the first of the year because they decided to do away with our annual bonus. I came out slightly ahead with the 2%. I just received another 3% for the annual raise with an exceeds expectations rating on my PE. Higher than usual.
by Candor
Fri Mar 02, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed After Rear Ended Collision
Replies: 31
Views: 3401

Re: Advice Needed After Rear Ended Collision

denovo wrote:
Wed Feb 28, 2018 2:11 pm
Tell them you're going to lawyer up if they don't behave, I suspect they'll be more compliant.
Many times adjusters are relieved when they hear this. Then they can discuss the claim with someone who knows what they are talking about and has reasonable expectations.
by Candor
Fri Feb 23, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5533

Re: Boglehead Flashlight?

As a frustrated Maglite owner for many years (decades) I purchased a couple of Fenix lights a few years ago and couldn't be happier. Much more reliable although higher cost but reasonable compared to other higher quality lights. I use one of them daily and it has been dropped on concrete more times ...
by Candor
Fri Feb 16, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 6548

Re: Washer/Dryer longevity ?

I have a Whirlpool set that my parents gave me as a hand me down 25 years ago when I first bought my house and they are both still going strong. I had to replace the belt and a 'pulley/runner' (I'm not sure what it's called) 20+ years ago in the dryer. I'm not particularly mechanically inclined but ...
by Candor
Fri Feb 16, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5203

Re: Rolex

You best bet is to sign up for Rolex Forums and buy from the classifieds. There are many 'trusted sellers' with brand new watches available, still has the stickers, come with box & papers and full factory warranty of 5 years. Look here for classifieds: https://www.rolexforums.com/forumdisplay.php?f...
by Candor
Fri Feb 16, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14017

Re: What big item (>20k) are you saving up for?

It's always funny to see these threads bring out the folks that feel the need to denigrate others choices especially when it comes to high end watches. I'm not necessarily "saving up for" but trying to resist the temptation of a new Willys Jeep Wrangler just for fun because it really isn't in the re...
by Candor
Fri Feb 09, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29213

Re: Ally online savings now at 1.45%

So I'll be expecting an e-mail from them by the end of next week notifying me of the increase. Thanks for the heads up. It's kind of interesting that I always hear about increases here before Ally gets around to letting me know.
by Candor
Fri Feb 02, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 10812

Re: What's your cash position

Over the last few years I have gone from close to 100% stock mutual funds to having approx 25% in 5 year CD's. That has mostly been by just redirecting my savings and not transferring the funds to CD's. I intend to increase that percentage somewhat in the next five years during the countdown to reti...
by Candor
Sun Jan 28, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Buying rebuilt/salvage vehicles on Ebay
Replies: 22
Views: 1476

Re: Buying rebuilt/salvage vehicles on Ebay

Vehicles these days are so full of electronics that I would NEVER consider a flood salvage vehicle. Especially if salt/brackish water was involved. If you did go the salvage route I would only do it with full disclosure of why the vehicle was totaled and if you are a car guy with a solid understandi...
by Candor
Fri Jan 19, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 8206

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

It is just as hard to stay the course when markets are going up as when they are going down. I wouldn't say it's just as hard but I'm sure many find it surprisingly and somewhat counterintuitively difficult. I have weathered a few market gyrations over the decades and I will gladly take the angst o...
by Candor
Sun Dec 17, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 12403

Re: 2018 financial goals - what are yours?

Hoping to hit 1M in NW next year. As long as the market doesn't go down I will make it on savings alone which should be over 50% of my gross salary. We'll see if the market cooperates.
by Candor
Fri Dec 08, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: "Financial Shock" wealth
Replies: 33
Views: 6664

Re: "Financial Shock" wealth

Interesting take on the tax bill.
by Candor
Fri Dec 01, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1109
Views: 268988

Re: Best watch for around $5,000?

I have a Rolex Sea-Dweller that recently stopped working. I've had it for 10 years and at the 5 year mark it needed a service for several hundred dollars ($800+ if I remember correctly) and apparently it now needs another. I knew the recommendation was to service it at the 5 year mark being a mechan...
by Candor
Fri Dec 01, 2017 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 32624

Re: Anyone tired of the stock market going up?

I can relate to the OP to some extent. Several years ago I remember wishing the market would just chill out a little and be more predictable and steady but here I am years later still with a similar sentiment after riding the market all this way. I guess I'm the one who needs to chill out and enjoy ...
by Candor
Fri Nov 10, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 30042

Re: How old are you and how much do you save for retirement a year

50 and on track for $50k this year or just shy depending on how much I want deplete my checking acct at the end of the year in order to reach a nice round number. Single and $87k salary. Having a job you hate is a good motivator.
by Candor
Sun Oct 22, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5498

Re: What service do you pay for that you could easily do yourself?

I really dislike cleaning up all the leaves in my yard this time of year so I splurge and pay a few hundred to have it done for me. The rest of the jobs around the house I dislike I can muster up the energy to do myself for now.
by Candor
Fri Oct 20, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 8152

Re: Has your "risk tolerance" been tested?

Made it through the dot.com bust and 2008 with close to 100% mutual funds with flying colours but I hate my job more and more by the year and the $$ is significantly higher these days so the next test will be much harder as I get closer to retirement. Luckily I've always been good at passing tests.
by Candor
Fri Oct 20, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 6837

Re: Is a crash coming soon?

If you put your mind to it there are a lot of reasons to think a crash may be coming soon. That wall of worry is always tall and I could have easily talked myself into the next crash many times over the last 25 years of my investing experience but I'm glad I just kept plugging along and hoping for t...
by Candor
Sat Sep 09, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 12353

Re: When calculating net worth, how do you value your house?

A great quote by Daniel Patrick Moynihan comes to mind while reading this thread.
by Candor
Fri Sep 08, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 12353

Re: When calculating net worth, how do you value your house?

I guess when I paid off my house a few years ago with a lump sum of mid five figures or so my net worth magically decreased by that amount according to some. Maybe when I buy my next house I'll just finance it and instantly increase my net worth a few hundred thousand. 8-)
by Candor
Fri Sep 01, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate raised to 1.20%
Replies: 51
Views: 9083

Re: Ally savings rate raised to 1.20%

Thanks. I heard about the last raise here several days before Ally sent me an e-mail notifying me and it seems that will be the case again.
by Candor
Sun Aug 20, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Seal off rooms that are not used?
Replies: 21
Views: 3571

Re: Seal off rooms that are not used?

I've been doing this for the last 24 years and I'm on my second unit which is going strong for now. I have never given any thought that it could possibly be detrimental to the system but maybe I should or maybe not...
by Candor
Sun Jul 23, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 14236

Re: What's your personal savings rate?

49% gross this year. Mostly after tax. House paid off. Hate my job and looking to retire as early as possible otherwise it wouldn't be quite so high.
by Candor
Sun Apr 30, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: Bogle on "On The Money" this morning
Replies: 8
Views: 2543

Re: Bogle on "On The Money" this morning

Artisan wrote:I like his last line.

"Half the time I wonder why I have so much in stocks and the other half the time I wonder why I have so little"

That's me!

Thanks for the link.
So true.
by Candor
Fri Apr 21, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank Just Raised 5yr CD to 2.25%
Replies: 28
Views: 5048

Re: Ally Bank Just Raised 5yr CD to 2.25%

Thanks, I have some in their savings account that I want to move to a decent CD and I just looked last weekend and wasn't impressed with their rates. Looks like I won't have to move it far now.
by Candor
Fri Apr 21, 2017 8:45 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 48474

Re: Larry Swedroe says "Goodby."

I would also like to thank Larry for his many contributions here which will be sorely missed. I learned a lot and always looked for his threads/posts. Sad but understandable.
by Candor
Fri Apr 21, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Lower cost - older car minor body work?
Replies: 6
Views: 781

Re: Lower cost - older car minor body work?

I would second the pdr recommendation. It is amazing what they can do for significantly less than a body shop. Although, for the scrapes that require paint work you may need a regular shop.
by Candor
Fri Apr 21, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Scratched bumper cost to repair
Replies: 17
Views: 20272

Re: Scratched bumper cost to repair

Also keep in mind that plastic bumper covers can be pretty resilient and there are components directly behind the plastic (impact absorber & reinforcement bar) that can easily be damaged although you may not be able to see the damage until the bumper cover is removed which could possibly add a few h...
by Candor
Fri Apr 21, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 31101

Re: Age when you started to max out your retirement accounts?

I started maxing the 401k 4 years ago at the age of 45 after I paid off the house. It was a great feeling to finally get there and I was planning to bump it up again to the catch-up max this year since I turn 50 but due to job burn-out I actually dropped it to the minimum to get the match so I can i...
by Candor
Thu Apr 13, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 136
Views: 20767

Re: What % of your income have you converted to wealth?

Candor wrote:45 single and currently at 45% (44.6). Hopefully they will both continue on the northern path.
64.7% today at 49. It's moving in the right direction for now.
by Candor
Fri Feb 17, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2746

Re: Windshield repair gone wrong....

I've replaced many windshields over the years and never had any problems. The vendor should offer a lifetime warranty.
by Candor
Fri Jan 20, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 51701

Re: USAA 2.5% Cash Back Credit Card

I logged on a few days ago and it is now offered in Virginia.
by Candor
Fri Jan 13, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 22418

Re: How Bad was 2008, really?

I was close to 100% in equities at the time and had weathered the dot.com bust with no problems but this one did seem different in real time. I held on and I give partial credit to Warren Buffett's NYT op-ed in October which helped me keep the faith. http://www.nytimes.com/2008/10/17/opinion/17buffe...
by Candor
Fri Dec 09, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 9158

Re: Current Market rally

If I had somehow known the result of the election beforehand I would have been very tempted to take some money out of the market and I would currently be very disappointed in myself and out of a fair amount of $$. Just further confirmation for me to never try to outsmart the market.
by Candor
Sun Nov 13, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 145560

Re: Boglehead Beer

Legend Brown Ale. A local brewery in Richmond, VA and I've yet to find a beer that I like more although I've certainly put in a lot of effort to that end.
by Candor
Sun Oct 16, 2016 9:26 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 51701

Re: USAA 2.5% Cash Back Credit Card

doctorofcredit site had this nugget: DJordan says: October 4, 2016 at 9:28 am Chat with USAA rep informed me that the USAA Limitless Credit Card will be available to all members on October 28th. Currently is only available to selected members. I hope that is correct because this is all news to me a...
by Candor
Fri Aug 12, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Suppose one has been rear ended...
Replies: 33
Views: 3244

Re: Suppose one has been rear ended...

Cracked tail lamp = $50 for a (LKQ) used generic lamp, approx $100-200 for an aftermarket lamp or up $500+ for a new oem plus approx $25 for labor. Impressions to the plastic bumper cover could be a couple hours repair and refinish which would probably be in the range of $300-400. If it requires rep...
by Candor
Fri Jul 22, 2016 9:28 pm
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 5454

Re: Are you feeling uncomfortable? [with your investments]

I've been uncomfortable for the last 20+ years but that's been part of the plan. My 401k (which is a significant portion of my portfolio) is currently at 93% index mutual funds at age 49 (next week) and I just keep in mind I hopefully have another 40 years to ride out any tugs at my emotion watching...