Search found 572 matches

by Fieldsy1024
Mon Jul 25, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Disbursement?
Replies: 4
Views: 255

Re: Equity Disbursement?

Image
by Fieldsy1024
Mon Jul 25, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Disbursement?
Replies: 4
Views: 255

Equity Disbursement?

The Lender's I refinanced my mortgage a couple years ago have sent me a letter saying I was eligible for 11,330.70 through my FHA loan. I tried to read up on this, but I figured a lot of smart people are on this forum :)

I have no clue what it is.
by Fieldsy1024
Sun Jul 24, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Visiting Acadia National Park - Tips?
Replies: 22
Views: 1479

Re: Visiting Acadia National Park - Tips?

Caddy Mountain at sunrise!!!!

I have a bunch of pics from various areas, I can send them to you of you want. I love Maine so much.
by Fieldsy1024
Sun Jul 24, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2296

Re: Tires for Honda Civic

I go to a place in Delaware (forget the name, but tax free). Anyways, tires on a car is one of the things I get top of the line, or close to it. My life is worth more than saving a few bucks if your tires are awful in rain, snow, traction, etc. Plus it makes the ride much much smoother. For a Civic,...
by Fieldsy1024
Tue Jul 19, 2016 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Used car buying tips
Replies: 13
Views: 1215

Re: Used car buying tips

Don't unless its under 3 years old.
by Fieldsy1024
Mon Jul 18, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6084

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

I didn't read about half of this thread, but my old apartment had the worst unit. A guy I work with had a similar issue. He bought one of those floor fans you can angle that has high power. Then he got a big bowl of ice cubes to put right under it, aimed the fan 45 degrees toward the area you hang o...
by Fieldsy1024
Sun Jul 17, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Real career path for a 23 yr old with no college degree
Replies: 50
Views: 5064

Re: Real career path for a 23 yr old with no college degree

Being personable is a good skill, but I don't think it's enough to build a career on. Virtually any white collar job, including sales, is going to require a college degree. I can't speak for other areas of the country, but this simply isn't true around here. My wife is only one example of a success...
by Fieldsy1024
Sat Jul 16, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 123
Views: 8036

Re: What kind of car do Bogleheads like to drive?

One where you won't have any car payments.
by Fieldsy1024
Sat Jul 16, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 28376

Re: 23 year old... Can I afford a Rolex?

jimb_fromATL wrote:
Marjimmy wrote:I'm not a big spender.


I'm not sure it's even legal to say "I'm not a big spender" in the same discussion about buying a Rolex watch. :?

jimb


Exactly what I was laughing at haha.

I'm not a big spender, can I buy a Lexus?
by Fieldsy1024
Wed Jul 13, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 12749

Re: Are you going to shop on Prime Day?

I bought stuff I needed, even if I didn't need it right now, it was such a great deal. I bought $175 dollars worth of items and with the discounts (also -30 bucks if I spend over 150). The total price came to $102.95

Couldn't beat it.
by Fieldsy1024
Mon Jul 11, 2016 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Making money at home (not your primary job, possibly)
Replies: 13
Views: 2488

Re: Making money at home (not your primary job, possibly)

Madbrain hit the nail on the head. I tried those surveys deal....no dice.
I wish I could help a real company to make some extra dough.

I'm back at work finally (broken arm) and don't need it, but I'm pretty nifty on the PC.
by Fieldsy1024
Sat Jul 09, 2016 11:14 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5399

Re: What's your asset allocation and why?

age: 31
401k: 60% SP 500, 10 Russ 2000, Boeing Stock 15%, Int'l 15%

VG: Soon to be 80% VTSAX/20%Int'l Stocks
by Fieldsy1024
Sat Jul 09, 2016 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Making money at home (not your primary job, possibly)
Replies: 13
Views: 2488

Making money at home (not your primary job, possibly)

I was just wondering if people out there have made a nice chunk of change...even counting it as your real/only job.

What do you do?

I am curious. I see so many surveys, but I don't see jobs where they actually pay out.
by Fieldsy1024
Fri Jul 08, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

Would two oil changes per yr be better on gas as opposed to one time a year?
by Fieldsy1024
Fri Jul 08, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 786192

Re: The Three-Fund Portfolio

I don't understand the concept expressed here of "testing myself" or "trying out" an asset allocation. This is not attempting to run a mile 15 seconds faster than you did before to test yourself or trying out a certain model of car to see if you like it. The important features o...
by Fieldsy1024
Fri Jul 08, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 786192

Re: "Why Buy Bonds?"

If I wanted to test myself by taking out the bond portion of this portfolio, would going 80 VTSAX/ 20 Int'l be something that might be a good portfolio (for someone who wants 100% stocks)? Yes. I think it would be an excellent all-stock portfolio. However, I believe there are very few investors who...
by Fieldsy1024
Fri Jul 08, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1533
Views: 786192

Re: The Three-Fund Portfolio

If I wanted to test myself by taking out the bond portion of this portfolio, would going 80 VTSAX/ 20 Int'l be something that might be a good portfolio (for someone who wants 100% stocks). I'd like to try it, but would like to hear from Taylor and others who have a lot of experience with this 3 fund...
by Fieldsy1024
Fri Jul 08, 2016 7:47 am
Forum: Investing - Theory, News & General
Topic: Is there any good recent books that are mainly about having a 100% stock portfolio?
Replies: 9
Views: 1441

Is there any good recent books that are mainly about having a 100% stock portfolio?

I tried typing in a bunch of key words trying to find books for high volatility and being able to stomach the roller coaster ride of 100% stocks.

Thanks in advance :beer
by Fieldsy1024
Thu Jul 07, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 2868

Re: A nice wrist watch under $1500

My $120 watch looks very nice. Citizens Eco.
by Fieldsy1024
Wed Jul 06, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about son's finances/life
Replies: 41
Views: 7647

Re: Worried about son's finances/life

powermega wrote:
TomatoTomahto wrote:
Loik098 wrote:This is starting to sound more and more like a humble brag post. How do you know he lives a "busy" and "very happy" life if he's so private?

Haha, called it!

Agree. This post sounds like a troll.


Maybe the boyfriend and her chit chat. :wink:
by Fieldsy1024
Wed Jul 06, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Honda extended warranty
Replies: 38
Views: 6206

Re: Honda extended warranty

I never buy these, but did with my wife's 2015 CRV. With all that new technology, I don't really feel comfortable with it being all A-OK for 8-10 years. I think the original was for 3 years, the extended was for 8 years, 1200? I did the best I could at haggling them and I got a great price for the S...
by Fieldsy1024
Wed Jul 06, 2016 6:23 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

Send in a UOA to blackstone every few oil changes and decide for yourself. Done! I don't get that either. Whey spend $25 on the analysis when it's the price of an entire Synthetic oil change! (Assuming DIY, not dealer) Looks like I'll stick to my 5k interval since I know the oil will be fresh, wher...
by Fieldsy1024
Tue Jul 05, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

Not directed at anyone in particular (far from it, my eyes glaze over,) but, would you really trust "some guys on the internet" to tell you when to change your oil, and with what, when the owner's manual is clear on it? This never ceases to amaze me. Very good point. Read about different ...
by Fieldsy1024
Tue Jul 05, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

Is this maintenance minder based solely on mileage or a combination of mileage/driving conditions (stop and go vs. highway)? I know some cars actually "test" the oil, but I don't believe Hondas do that. This is one of the reasons why I don't trust those percentage readers. I have a Mazda ...
by Fieldsy1024
Tue Jul 05, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

michaeljc70 wrote:Is this maintenance minder based solely on mileage or a combination of mileage/driving conditions (stop and go vs. highway)? I know some cars actually "test" the oil, but I don't believe Hondas do that.


This is one of the reasons why I don't trust those percentage readers.
by Fieldsy1024
Tue Jul 05, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

I put gas in my oil and oil in my gas

my car has 500k and still running like a monster.

It is my secret





/lock thread
by Fieldsy1024
Tue Jul 05, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 42
Views: 3538

Re: Anyone else make things for their own use?

Up to this point, some simpler wood structures, but next on the list is an outdoor patio set. It saves a bit of money and you get something much higher quality than store-bought. I'll also agree with others in saying I "make" a lot of food... and I think I just found my next big project: ...
by Fieldsy1024
Tue Jul 05, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 37
Views: 2590

Re: Sentra or Corolla?

Do research on a few sites. Some sites could be biased about cars. Look for problems in the future. One thing I learned is never buy a car where it's the first year of the new model. It's more costly, more issues. I usually like to wait till year 3 of the newest Model/Trim of the car I want so they ...
by Fieldsy1024
Tue Jul 05, 2016 6:01 am
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 42
Views: 3538

Re: Anyone else make things for their own use?

:beer Lunch! Homemade Tiki Torches Stone outdoor Fire Pits Finding old wood furniture and restoring it. I found a nice wood bench for drinks/food etc (it's about 18"x2') sanded it, cleaned, primed/painted Chopping/Splitting wood for people who need help and if they happen to give some away I ma...
by Fieldsy1024
Mon Jul 04, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

Im sure somebody will call my a hypocrite shortly for ranting about mfg recommendations for oil changes and then ignoring them for the tranny ;) What you think? I guess you're the ultimate arbiter on what manufacturer suggestions we should follow and which ones we shouldn't. Like I said, I've been ...
by Fieldsy1024
Mon Jul 04, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 4398

Re: Your Favorite Factory Tours?

Inspecting the V22 Osprey and Chinook at the Boeing Plant in the Philly area, I'd love to check out all the other plants. Seattle would be number one.

I love beer, but I don't give a crap about how it's made.

I'd love to check out various car factories too.
by Fieldsy1024
Sun Jul 03, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

whodidntante wrote:We should probably discuss something we can agree on, like politics and religion.

Lmao

Love the username too!
by Fieldsy1024
Sun Jul 03, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13068

Re: What do you spend your money on???

Travel
Beer
Amazon Junkie
by Fieldsy1024
Sun Jul 03, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

I change at 50% of the maint minder #... I am curious, why do you do that? Do you throw out your milk jug when it is 50% consumed? If the expiration date is past I do. Not to step into this, but wouldn't a better analogy be throwing out one's milk jug halfway between when they bought it and the exp...
by Fieldsy1024
Sun Jul 03, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 2990

Re: What is the best home exercise equipment?

Just wondering, why don't you want to buy used? Exercise equipment is such a great deal, because so many people buy new and use it for a month. I know my parents bought a new treadmill when I was a kid. It was brand new and it was an awesome rack to hang clothes on. Agree. I only bought new because...
by Fieldsy1024
Sun Jul 03, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

I think munemaker's point was more along the lines of: Would you discard anything else once it reaches ~50% of its useful life (e.g., print toner cartridges)? Another specious argument. Print toner cartridges don't degrade as they're used, they simply get more used up. These analogies are terrible,...
by Fieldsy1024
Sun Jul 03, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 2990

Re: What is the best home exercise equipment?

For me personally, I'd never use a rower but I do get good use out of a treadmill and exercise bike, along with hand weights for upper body. So this is a very personalized question, as others have already pointed out. I do want to second the suggestion to have a TV or tablet situated where you can ...
by Fieldsy1024
Sun Jul 03, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 2990

Re: What is the best home exercise equipment?

Just wondering, why don't you want to buy used? Exercise equipment is such a great deal, because so many people buy new and use it for a month. I know my parents bought a new treadmill when I was a kid. It was brand new and it was an awesome rack to hang clothes on.
by Fieldsy1024
Sun Jul 03, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

I need it for my car that I drive about 5k a year. My wife has a 15' Crv as well. Even though the miles are not a lot, I change both twice a year. Oil gets old. You are wasting oil and filters, especially if you are using synthetic oil. Although an argument could be made for more frequent changes i...
by Fieldsy1024
Sun Jul 03, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

I need it for my car that I drive about 5k a year. My wife has a 15' Crv as well. Even though the miles are not a lot, I change both twice a year. Oil gets old. You are wasting oil and filters, especially if you are using synthetic oil. I don't believe so. Sure, once a year is probably okay, but I ...
by Fieldsy1024
Sun Jul 03, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

munemaker wrote:
TimeRunner wrote:I change at 50% of the maint minder #...


I am curious, why do you do that?

Do you throw out your milk jug when it is 50% consumed?


If the expiration date is past I do.
by Fieldsy1024
Sun Jul 03, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8252

Re: synthetic oil changes

I need it for my car that I drive about 5k a year. My wife has a 15' Crv as well. Even though the miles are not a lot, I change both twice a year. Oil gets old.
by Fieldsy1024
Sat Jul 02, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 2990

Re: What is the best home exercise equipment?

I bought my entire home gym for about 1,100-2,200 used except for a Power Rack that cost 375. I have a bench that can be moved in 5 positions. I also bought this new for 125. various dumb bells from 2lbs to 40lbs (Craigslist I am guessing I bought them all for 100-150) Have 2 sets of 2lbs, 5lbs, 10...
by Fieldsy1024
Sat Jul 02, 2016 8:04 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 2990

Re: What is the best home exercise equipment?

I bought my entire home gym for about 1,100-2,200 used except for a Power Rack that cost 375. I have a bench that can be moved in 5 positions. I also bought this new for 125. various dumb bells from 2lbs to 40lbs (Craigslist I am guessing I bought them all for 100-150) Have 2 sets of 2lbs, 5lbs, 10l...
by Fieldsy1024
Sat Jul 02, 2016 7:49 am
Forum: Investing - Theory, News & General
Topic: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and dropping?
Replies: 74
Views: 5952

Re: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and droppi

During the last financial crisis, I did move part of my stocks to bonds. If I had left it in stocks I wpuld be better off today. I'm 100% stocks The only single one company stock is Boeing at 13% in my 401k I can't really afford the volatility of 100% stocks. Too close to retirement now. Oh yeah, I...
by Fieldsy1024
Fri Jul 01, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3375

Re: Tipping Etiquette Question.

On the bill I try to go 22%
by Fieldsy1024
Fri Jul 01, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and dropping?
Replies: 74
Views: 5952

Re: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and droppi

Dottie57 wrote:During the last financial crisis, I did move part of my stocks to bonds. If I had left it in stocks I wpuld be better off today.


I'm 100% stocks

The only single one company stock is Boeing at 13% in my 401k

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