Search found 455 matches

by Fieldsy1024
Tue May 24, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Ally bank as their only bank?
Replies: 19
Views: 657

Re: Anyone use Ally bank as their only bank?

Ally is my only Savings/Checking bank. Savings had for years, Checking 2 months. So far happy :)
by Fieldsy1024
Tue May 24, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Had a sliding glass door installed in the past 5 or so years? How much...
Replies: 5
Views: 577

Re: Had a sliding glass door installed in the past 5 or so years? How much...

Thanks!

Basically, we just want a door that isn't flashy, but isn't cheap as hell. I don't care about the kick lock, but we want a lock so we can lock the door from inside and out. Does Low E glass really make all that much of a difference if you have blinds?
by Fieldsy1024
Tue May 24, 2016 6:25 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 150
Views: 11489

Re: Is there a such thing as a blue collar Boglehead?

I don't know if I would be classified as blue-collar since I never worked for a salary, but my life was probably very different than most Bogleheads. I attended college but because of a learning disability, I dropped out my second year. I just never had enough time to do the work required. My fathe...
by Fieldsy1024
Tue May 24, 2016 6:12 am
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 70
Views: 1927

Re: What was your first investment?

2007 100% in Boeing Stock. I fell in backwards into it and wish I had a nice lump sum. It was when I first got hired and met the match in my 401k. I got in when it was 28 a share and got out at 107 (I think). After that I went life cycle.
by Fieldsy1024
Tue May 24, 2016 6:08 am
Forum: Investing - Theory, News & General
Topic: irreverent??? [Bogleheads' Guide to Investing]
Replies: 15
Views: 1661

Re: irreverent??? [Bogleheads' Guide to Investing]

I give new people easier, more basic books to read. Then I tell them about this book. I don't want to confuse people too early. "The Lazy Person's Guide to Investing" seems to appeal to people more who do not know anything. I know it did for me lol. The Boglehead's books are great for peop...
by Fieldsy1024
Tue May 24, 2016 6:02 am
Forum: Personal Consumer Issues
Topic: Had a sliding glass door installed in the past 5 or so years? How much...
Replies: 5
Views: 577

Had a sliding glass door installed in the past 5 or so years? How much...

Hello, my wife and I were going to higher my friends dad to install a basic low-e sliding door with it be able to lock from inside and out. We are getting very tired of hiring people we know. This one is dragging his feet. We have put this door off for about a year almost only because we had other p...
by Fieldsy1024
Mon May 23, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 80
Views: 7276

Re: How old can you be and retire early?

My goal is between 55-58.
by Fieldsy1024
Mon May 23, 2016 6:49 am
Forum: Personal Consumer Issues
Topic: Solar Panels offering free Panels in Pa? (Vivint Solar)
Replies: 13
Views: 892

Re: Solar Panels offering free Panels in Pa? (Vivint Solar)

THere is a lot about solar panels and investing that people are truly ignorant about, myself included last year. I also tried to rely on my feelings rather than gather the facts. Once the facts were gathered it still smelled fishy. I got over that! In order to understand this a little bit more, one...
by Fieldsy1024
Sun May 22, 2016 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: I got a home loan from Wells Fargo ; should I shop around?
Replies: 20
Views: 1415

Re: I got a home loan from Wells Fargo ; should I shop around?

I put down 3.5% on an interest of 3.25%

I am still bitter of how stupid I was. PMI adds up big time.
by Fieldsy1024
Sun May 22, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 215
Views: 13717

Re: Pride in no inheritance to kids?

Worry about your money before you die. If/When you have a plan set up, thats it.

I for one will live my life the way I worked it. When I am dead I do not care if I have $1.00 or 1 million.
by Fieldsy1024
Sun May 22, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Solar Panels offering free Panels in Pa? (Vivint Solar)
Replies: 13
Views: 892

Re: Solar Panels offering free Panels in Pa? (Vivint Solar)

thanks

Our electric bill isn't that much since its a rancher with just the wife and I. I just feel iffy about it.
by Fieldsy1024
Sun May 22, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Solar Panels offering free Panels in Pa? (Vivint Solar)
Replies: 13
Views: 892

Solar Panels offering free Panels in Pa? (Vivint Solar)

Has anyone done business with this company. Apparently they want to install Panels to our house, but what is the catch...?
by Fieldsy1024
Sun May 22, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 215
Views: 13717

Re: Pride in no inheritance to kids?

I will live my life how I want. Whatever extra coin I have will go to those who I know will do good things with it.
by Fieldsy1024
Sun May 22, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 215
Views: 13717

Re: Pride in no inheritance to kids?

Barefootgirl wrote:I don't buy flowers for people after they're dead. I buy them while they're still alive.


Couldn't have said it better myself.
by Fieldsy1024
Fri May 20, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 123
Views: 13714

Re: 15 vs 30 yr mortgage

I would lock in a 30 year and just pay extra if investments are not doing so hot. Is that a bad idea? It's what I'm doing - I think it's a great idea. The 30 year gives greater flexibility in terms of emergency - you can reduce your expenses in a way you can't with the 15 year. That has a cost - th...
by Fieldsy1024
Thu May 19, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 123
Views: 13714

Re: 15 vs 30 yr mortgage

I would lock in a 30 year and just pay extra if investments are not doing so hot.

Is that a bad idea?
by Fieldsy1024
Thu May 19, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1459
Views: 752029

Re: The Three-Fund Portfolio

The VGTSX (Total Int'l Stock) has been dropping and dropping it seems like. I am getting frustrated with it.

How much percentage is in everyone's 3 fund?
by Fieldsy1024
Thu May 19, 2016 6:33 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 158
Views: 59530

Re: A time to EVALUATE your jitters

I don't have jitters, I am just disappointed my 401k/+ Roth isn't really moving up or down.

As someone new to this, should I be happy since I hear other people losing lots of money.

I'm in the 3 fund and my 401k is something many people suggested on here. Basically Index Funds.
by Fieldsy1024
Thu May 19, 2016 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Hail damage on roof; what to do with Insurance Providers' $9,950 check
Replies: 51
Views: 3705

Re: Hail damage on roof; what to do with Insurance Providers' $9,950 check

Damn, even with a new roof you might end up with half that money depending on the size of your home.
by Fieldsy1024
Thu May 19, 2016 6:25 am
Forum: Personal Finance (Not Investing)
Topic: 27 y/o, need some career advice
Replies: 42
Views: 2332

Re: 27 y/o, need some career advice

sjl333,

Where do you live? 98k might be a ton of money in one state/city, but much less somewhere like NYC, SF, San Diego, etc.
by Fieldsy1024
Thu May 19, 2016 6:20 am
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 3711

Re: Did your children ever completely move out?

My dad actually moved his old stuff into our house haha. He has a ton of tools and gave me the older ones.
by Fieldsy1024
Thu May 19, 2016 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 215
Views: 13717

Re: Pride in no inheritance to kids?

People on this website are smart. Why the pride in not specifically planning to leave inheritance? What am I missing? I don't want to screw this up. scienceguy, Let me ask you a reverse question. Why should you leave an inheritance to your children? If you did a good job as a parent, they would be ...
by Fieldsy1024
Wed May 18, 2016 11:39 am
Forum: Investing - Theory, News & General
Topic: If you keep exchanging your funds around in your AA, will you pay more in fees?
Replies: 8
Views: 669

If you keep exchanging your funds around in your AA, will you pay more in fees?

Example:

Guy A is in the 3 fund portfolio, but changes the percentages around 8 times a year

Girl B is in the 3 fund portfolio, but instead of moving it around 8 times, it is 2 times.

Will the Guy pay more in fees since he is more active?

Thanks
by Fieldsy1024
Wed May 18, 2016 11:35 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1459
Views: 752029

Re: The Three-Fund Portfolio

Thanks for the replies. If I got rid of NAESX and stuck with the 3 fund, would this be too aggressive even for someone who is aggressive and is 31. Total Stock Admiral 70% Total Intl 12% Total Bonds 18% This is a personal decision that has no right answer. However, your asset allocation is actually...
by Fieldsy1024
Wed May 18, 2016 8:24 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1459
Views: 752029

Re: The Three-Fund Portfolio

Thanks for the replies. If I got rid of NAESX and stuck with the 3 fund, would this be too aggressive even for someone who is aggressive and is 31.

Total Stock Admiral 70%
Total Intl 12%
Total Bonds 18%
by Fieldsy1024
Wed May 18, 2016 7:24 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1459
Views: 752029

Re: The Three-Fund Portfolio

Taylor (or anyone), Have you ever thought about adding NAESX to the 3 fund to make it 4 funds? If so, what would be a good AA for an aggressive 31 yr old with your 3 fund + naesx. If not, why not? What would be a good AA for an aggressive 31 yr old with your 3 fund? I'd like to keep Bonds at 10%-15%...
by Fieldsy1024
Tue May 17, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 123
Views: 13714

Re: 15 vs 30 yr mortgage

I would lock in a 30 year and just pay extra if investments are not doing so hot.

Is that a bad idea?
by Fieldsy1024
Thu May 12, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 6580

Re: When is cash better than plastic?

Home projects. You can get a better deal playing in cash.
by Fieldsy1024
Tue May 10, 2016 5:35 am
Forum: Personal Consumer Issues
Topic: Thinking about moving to a big city
Replies: 20
Views: 2405

Re: Thinking about moving to a big city

Love Philly. I love spending a night or two in Philly. As a person who hates crowds or loves peace and quiet whenever I choose...no thanks. It's great I'm 10 min away from the city.

I'm 31 btw.
by Fieldsy1024
Tue May 10, 2016 5:32 am
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13809

Re: how much cash do you carry in your wallet?

A regular night out, 50-100. Some sort of thing like going to AC, 400ish. A day when nothing is going on, my license + CC. I always have my License and CC. If you are gambling and have a 1% of taking extra money out of a debit card, LEAVE IT AT HOME lol. Also I don't ever want to know my pin number ...
by Fieldsy1024
Mon May 09, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8130

Re: Buying a house for an adult child (child adult?)

Why do they have bad credit?

Bad habit of paying bills late?
No CC's?
Skipped payments?

I would never do it. Let them build up their credit as well as saving maybe 25% to put down.
by Fieldsy1024
Fri May 06, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Used car vs. new
Replies: 23
Views: 3385

Re: Used car vs. new

I do spend top dollar on tires for safety/smoother ride/lasts longer.
by Fieldsy1024
Fri May 06, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Used car vs. new
Replies: 23
Views: 3385

Re: Used car vs. new

With your situation it is a no brainer for me.....new. Give us more info though....did you haggle yet? how much are you putting down? How much is the interest if you finance. I have a 2012 Mazda 3 with the I Touring/Bose upgrade/Moon Roof and I f'n love it. I spend about 30 bucks on gas a month if ...
by Fieldsy1024
Fri May 06, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Used car vs. new
Replies: 23
Views: 3385

Re: Used car vs. new

With your situation it is a no brainer for me.....new. Give us more info though....did you haggle yet? how much are you putting down? How much is the interest if you finance. I have a 2012 Mazda 3 with the I Touring/Bose upgrade/Moon Roof and I f'n love it. I spend about 30 bucks on gas a month if t...
by Fieldsy1024
Thu May 05, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Anyone do online work from online sites?
Replies: 4
Views: 771

Anyone do online work from online sites?

I am out of work for a while and would like to see if there are actual online jobs that pay more than 5 bucks doing surveys
by Fieldsy1024
Wed May 04, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying... [Investing/Personal Finance Books]

ponyboy wrote:Never bought a single investing book in my life. Not sure what else I could benefit at this point from a book about building wealth and saving money.

I've been bored and out of work with a broken arm. I probably will try and sell these books even like 2-4 at a yard sale
by Fieldsy1024
Wed May 04, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying... [Investing/Personal Finance Books]

Money is just a tool not an end in itself. Speak for yourself. I like money for the sake of money. In video games, I always spent time grinding (where you go out and do the same thing over and over) for the purpose of building wealth. (After you slay the monsters and save the world, what are you go...
by Fieldsy1024
Wed May 04, 2016 6:51 am
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying... [Investing/Personal Finance Books]

Money is just a tool not an end in itself. Speak for yourself. I like money for the sake of money. In video games, I always spent time grinding (where you go out and do the same thing over and over) for the purpose of building wealth. (After you slay the monsters and save the world, what are you go...
by Fieldsy1024
Tue May 03, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying... [Investing/Personal Finance Books]

Money is just a tool not an end in itself. Speak for yourself. I like money for the sake of money. In video games, I always spent time grinding (where you go out and do the same thing over and over) for the purpose of building wealth. (After you slay the monsters and save the world, what are you go...
by Fieldsy1024
Sun May 01, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying... [Investing/Personal Finance Books]

Investing/Personal Finance Books Am I the only one? Oh I found my twin. My wife has warned me several times not to buy anymore. The best is I have over a dozen I haven't read. I also went beyond and became a collector of books with John Bogle, Charlie Munger and Warren Buffett's autograph on ebay. ...
by Fieldsy1024
Sun May 01, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying...

Investing/Personal Finance Books Am I the only one? As far as hobbies go, this one is pretty cheap. Also if you learn one little thing from each book it's paying for itself. Out of curiosity which ones have you found to be the most valuable? Mainly what books this forum recommends. The least was Th...
by Fieldsy1024
Sun May 01, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying...

Investing/Personal Finance Books Am I the only one? As far as hobbies go, this one is pretty cheap. Also if you learn one little thing from each book it's paying for itself. Out of curiosity which ones have you found to be the most valuable? Mainly what books this forum recommends. The least was Th...
by Fieldsy1024
Sun May 01, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying...

Are you reading all those books because you enjoy the experience, or are you trying to educate yourself? Do you see them as objects that give pleasure, or utilitarian tools? Do you enjoy collecting those books? If personal finance books are your favorite genre, then go for it. Some like science fic...
by Fieldsy1024
Sun May 01, 2016 7:11 am
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

Re: I cannot stop buying...

I buy 95% of the books for .01 cent on Amazon, which come looking brand new. Add the shipping and it is 4 bucks or less. I am shacked up in my home with a broken arm, so basically its the majority I spend on. I'm one who isn't frugal when it comes to weekends, but I cut down a lot by just going out ...
by Fieldsy1024
Sat Apr 30, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7271

I cannot stop buying... [Investing/Personal Finance Books]

Investing/Personal Finance Books

Am I the only one?
by Fieldsy1024
Fri Apr 29, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Well Done Ally Bank - CD purchase
Replies: 54
Views: 8853

Re: Well Done Ally Bank - CD purchase

Had Ally savings ever since ING Direct turned to CAP360 and loved it.

A month ago I joined their interest checking :)

Love Ally
by Fieldsy1024
Fri Apr 29, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Degree, College and Career
Replies: 20
Views: 1797

Re: Degree, College and Career

I went to school, had great grades but didn't know what I truly wanted to do. I got lucky getting into Boeing and worked my way up to Inspecting the Osprey and Chinook before test flight. I'm happy I have a job that while it wasn't my choice, I take great pride in.
by Fieldsy1024
Fri Apr 29, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6025

Re: Buying a New Car...Is it Unwise?

If you buy a good car and keep it 7+ years I feel like it is not a waste, but a huge peace of mind.
by Fieldsy1024
Thu Apr 28, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 654
Views: 103432

Re: Boglehead Beer

Go to Beer: Einstok White Ale

I love Wits, White's, etc.

Also Modelo

Beer is something I am not frugal about.
by Fieldsy1024
Wed Apr 27, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 206
Views: 20648

Re: Soapbox (car safety features)

So answer me this. Why on a site where people will beat to death the debate of Keurig K-Cup being a waste of $.0314159 per cup over using a regular drip coffee maker, that those same people so eagerly jump to spend an additional $5k, $10k, $20k+ on these new auto safety features, even though they'v...

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