Search found 1403 matches

by G12
Wed Oct 18, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10073

Re: Anyone planning on getting the new Pixel phone?

I currently have a 2-year-old Motorola w/a 5.7” screen. I looked at the Pixel 2/2XL in person as well as the old pixels. I’m a bit torn. IMO, all of them are overpriced, but that aside, I ideally don’t want to use a smaller screen, especially since I use my phone as my GPS. I cannot use my current ...
by G12
Mon Oct 16, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7607

Re: What are you driving? And would you buy your current ride again?

2014 Ford Flex SEL, dog hauler, has roughly 48k miles of which ~ 44k are long distance miles. Infotainment can be a little clunky at time. It rides very well, handling can get a little twitchy at high speeds, replaced the tires about 2k ago and the new ones handle much better with stiffer sidewalls ...
by G12
Mon Oct 09, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell
Replies: 12
Views: 933

Re: Rent or Sell

You should research depreciation recapture if this would be a one-off rental you would sell in 5-10 years and its tax effect in the year of sale, it is very favorable to the IRS and any state taxing entity. If you have lived in the condo longer than 2 years I would sell as you receive favorable tax ...
by G12
Fri Sep 15, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 7308

Re: Distressing news -> Flight to Safety ?

I added some small cap foreign value today as I am swimming in cash. Maybe I'm am idiot.....but it is a toe hold to be added to later.

ETA: I was much more distressed Monday with Irma bearing down on our home in ATL.
by G12
Tue Aug 15, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 7181

Re: please help...am I overextended - first home

How big is the house? Many who come on here that are reaching to get into houses bring up getting roommates to help offset the increased cost of a mortgage compared to current rent. If you did that for 2 years it could bridge you to having the 401k loan paid off and lessen the impact of the mortgage...
by G12
Tue Aug 08, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 65
Views: 9237

Re: news yesterday that Buffett has $100,000,000,000 in cash now

If only Berkshire's investment holdings didn't throw off massive cash dividends causing this over abundance of unwanted liquidity :mrgreen:
by G12
Tue Aug 08, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4144

Re: Any veterinarians that can quickly weigh in re: estimate?

I don't have a cat, but a few months ago had to have this same tooth removed from my 60 lb 10 year old dog due to a slab fracture and the tooth was a very dark brown/black color, the linked site is not our vet, it just has the same tooth identified. I would believe cats could be more expensive to tr...
by G12
Fri Aug 04, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7887

Re: Study: Who Sold Stock During the 2008-9 Crash?

I sold my entire allocation in PCRIX in June, 2008 for multiple reasons and realized a significant gain, it was over 8% of my portfolio, and had sold all my REITs and had gotten down to 48% equity and yet the pain over the next 8 months was real. Bought individual TIPS for the first time in November...
by G12
Fri Aug 04, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 26290

Re: A poll: How much money do you want to retire?

If one spouse is retired and one still works is that retired :mrgreen: ?? I retired 6 years ago a few weeks before turning 48, my wife continues to work 4 days/week and is considered full time with 28 months remaining to be fully vested in her pension plan. If it was a substantial difference maker l...
by G12
Sun Jul 30, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 39
Views: 6040

Re: New 2018 Honda Odyssey Problem - Need Advice

My wife purchased a new Honda Odyssey EX-L (with Nav and Rear Ent) this week. It was a "no-brainer" because she had a 2008 Odyssey with 155,000 miles and loved it. It was time for a new vehicle and the latest safety features appealed to both of us. Does anyone have advice on how to handle this situ...
by G12
Mon Jul 17, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Net Worth?
Replies: 22
Views: 2968

Re: Personal Capital - Net Worth?

The Wizard wrote:What am I doing wrong?
I dunno, man, I mean you are The Wizard.... :P I really don't know, don't use the service.
by G12
Sat Jul 01, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 15531

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

I must find and read the stone tablet that dictates a Boglehead must always do the most economical thing, period, no matter what level of wealth, disposable income, etc. Then again, I'm not a diehard and value flexibility.
by G12
Tue Jun 20, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 4141

Re: Liability with dogs, hypothetical

We have an electric fence and a well trained and friendly pit bull mix. She's a rescue, so we don't know for sure, but she's tall enough that some Great Dane (or similar) might be in the mix. She weighs around 100#. She runs in the yard, but the electric fence keeps her at least 50' from the road w...
by G12
Fri Jun 16, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 8682

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

Again, I'd like to keep the focus on her portfolio, but here are a few responses to recent queries: I'd rate her risk tolerance (emotionally) to be very low. It's also a little irrelevant, since she's never experienced anything much other than constant new highs. However, I've been coaching her on ...
by G12
Wed Jun 14, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.
Replies: 50
Views: 8682

Re: Mid-40's, single parent, "retired", $1.6M portfolio, investment advice sought.

I would have to understand how the person aggregated $1.6M with perhaps extremely limited investment knowledge and a debt free home in the first place, and then find where it is chiseled in stone that future college costs must be borne by this person. The probable fallback is a suitable TRD date fun...
by G12
Fri Jun 09, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 10098

Re: What Do You Pay for an Oil Change?

Change my oil when the DIC computer gets down to about 12%, suggested by the dealer. It's around 5000 miles. M1 for $27 from Costco and oil filter about $5. I get M1 at Costco on sale, filter is ~ 5.20 at AMZ, take it to the dealer, they charge me roughly $12. I don't go down to 12% though, tend to...
by G12
Tue Jun 06, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits? [and epilogue]
Replies: 52
Views: 3627

Re: Trailer Towing Tidbits?

Thank you and I learned that mistake on I-70 at St Louis when I was driving here from Colorado in January; I won't repeat that mistake going back. It was the worst! This was recent, late April, it is probably worse with vacation travel having picked up. I spoke with a long time local for about 20 m...
by G12
Tue Jun 06, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits? [and epilogue]
Replies: 52
Views: 3627

Re: Trailer Towing Tidbits?

Prayers sent! :wink: I drove a heavily loaded SUV + 2 dogs from ATL to Billings, MT, to Casper, WY to Ft Collins, to Boulder, to Colorado Springs and back to ATL, 4,300 miles not pulling a trailer. My main point is to say if Google maps tries to route you through St Louis on I-70 don't do it. That s...
by G12
Mon Jun 05, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 3049

Re: Black and white laser printers

I'm considering 3 models: 1. HP MFP 130 fw 2. Brother MFC L2720 dw 3. Cannon MF 247dw Does anyone have any first hand experience with any of these printers? Other recommendations welcome. Thanks Wayne I have a Brother MFC L2740 DW. Found the lowest price on Costco Online about 2 years ago. It does ...
by G12
Mon Feb 13, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 7219

Re: New cars with turbo-4 engines -- good idea to buy?

Looking at new cars and more are being equipped with small 4-cyl turbocharged engines; all in the effort by automakers to improve fuel mileage without sacrificing engine performance. For example, the new 2017 Honda CRV has a new 1.5L turbo-4 engine in all but the base model. It appears the new engi...
by G12
Wed Feb 08, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 6503

Re: Rule of Thumb for Getting Rid of Car

I disagree with the repair cost vs. value of the car requirement. Getting your car repaired is a big hassle. I don't want to deal with that. Others may, or may want to fix it themselves. That is fine. But not everyone shares that opinion. The OP is considering replacing a 12 year old model with a p...
by G12
Wed Feb 08, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29609

Re: Wow, Vanguard Flagship service is bad. Really bad.

I had an issue with my wife and my inherited IRA's failing to automatically distribute RMD's in January per the automated Vanguard service. I called mid-week around 6 PM about a week later to inquire into the matter. My Flagship rep was gone for the day and I spoke with another rep and he didn't hav...
by G12
Wed Feb 01, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 7270

Re: Pet insurance for new puppy

We are about to get a new puppy in the coming weeks for our family. i am new to this whole dog ownership thing and am wondering if there are bogleheads who recommend getting pet insurance and if so, what is the best approach? is there a boglehead's guide to pet insurance reference out there? i don'...
by G12
Wed Dec 21, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 8098

Re: Grccery cart rolls into side of car, dent, scratched

Very similar thing happened to a friend at Target. He alerted the manager. They reviewed the video, confirmed damage was done by a cart and the store paid for the entire cost of the repair. Large chains usually have insurance for this very sort of thing. Same thing happened at a shared lot of a Tar...
by G12
Tue Dec 20, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 16699

Re: The True Cost of Owning a Dog

We have had some big expenses over the years, couple of one off ~ $7,500 medical expenses. One was osteosarcoma/chemo, the other the aftermath of a brutal dog-on-dog attack, everything else has been fairly routine and moderate costs. What costs me some serious money is happening upon an activity my ...
by G12
Wed Nov 09, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 15302

Re: Which state to move for milder weather

I am in Atlanta now. A couple of random things. 1) The traffic is really bad and getting worse every year. Don't underestimate this as a factor. The commute is an obvious problem but even trying to plan to go somewhere like a sports event, concert, shopping, etc on a week day evening since you coul...
by G12
Wed Oct 26, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 27640

Re: Need help. Drowning in debt and worried about the future and retirement

I checked into refinancing my car with autopay just so I could see all my options. Two options: 1750 down either way with a 6.25 % interest rate. Current rate is 13.24% 72 months: 308.65 a month 66 months: 348.90 a month First payment due December 10. Likely better option is just finding a differen...
by G12
Mon Oct 03, 2016 6:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 15964

Re: Where is Livesoft?

I like sarcasm, maybe because I am sarcastic, maybe because it makes his posts' more pointed. People who wonder where livesoft is yet pose concern as to Livesoft's whereabouts are confused though. :P
by G12
Sat Oct 01, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 7962

Re: Where/how do Bogleheads get their tires inflated?

I have had one of these Goodyear models, it is significantly more powerful than some of the smaller units. I have larger SUV tires and travel a lot and it fills tires pretty quickly and has been very durable.

Goodyear i7000 12-Volt Direct Drive Heavy-Duty Tire Inflator
by G12
Mon Sep 19, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: American Funds claims to beat Index funds
Replies: 42
Views: 5040

Re: American Funds claims to beat Index funds

Yes, the excluded upfront sales charges, or omitting the declining deferred charges of other class shares, etc. If in a 401k or similar with low cost versions with waived front end loads AF might be worth trying if other available funds are worse. Try VEIRX instead of VOO as the comparison fund and ...
by G12
Thu Sep 08, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 3342

Re: Any King Charles Cavalier Spaniel owners here?

If a KCS is what you want for a family dog then go with it. I do not believe any dog breed is hypoallergenic. Wheaten terriers, Doodles, whatevs and the Australian guy who originally started breeding doodles admitted they are not hypoallergenic as only 1 dog from the first litter was believed to hel...
by G12
Tue Aug 23, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: How much MLP is reasonable in a portfolio?
Replies: 18
Views: 1769

Re: How much MLP is reasonable in a portfolio?

You are talking about a 401k and this should not an issue unless there is over $1,000 in UBTI income, then tax is owed and the 401k sponsor needs to file a tax return and the 401k needs to pay the tax out of your plan balance. The investment is a fund and avoids potential UBTI taxation. I'm actuall...
by G12
Mon Aug 22, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: How much MLP is reasonable in a portfolio?
Replies: 18
Views: 1769

Re: How much MLP is reasonable in a portfolio?

I'm really more of a Core-4 wannabe. However, megacorp is once again tinkering with the 401k options. In the past, we got slaughtered with the MLP that was part of the package. It was something like 20% of the portfolio, and dropped like a rock. Now, they have changed tickers to MLPPX , and decided...
by G12
Thu Aug 11, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 116
Views: 12473

Re: Buying a new home at age 50 in a nicer neighborhood

your savings of ~$900K are lower than BH standards. I just love statements like these. I chuckled myself. Meh, merely $900K and nearly zero debt with just a high school education, shame on me What are these specific elusive Boglehead standards? I would say living by retired nuns would be much more ...
by G12
Thu Aug 11, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Does playing in WNBA make fiscal sense
Replies: 41
Views: 2722

Re: Does playing in WNBA make fiscal sense

But coaching at a major school is a good guaranteed gig. I believe UCONN assistants are in the 150 -200K range. But of course you have to win. Ha! I'm laughing about assistant coaches salaries once one is out of the top 10 women's programs. Those coaches probably make less than $50K a year and coul...
by G12
Mon Aug 01, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with excise tax on new cars?
Replies: 13
Views: 945

Re: Anyone familiar with excise tax on new cars?

In GA the annual ad valorem tax formerly owed at annual tag renewal was converted to a one time up-front tax at the time of purchase in 2013. Think it started at 6% and will max out at 7% and applies whether purchased from dealer or an individual, new or used vehicle. I'm not a fan of the new system...
by G12
Mon Jul 25, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 11290

Re: Car totaled, no collision insurance

I don't see how it makes sense for a college student going to school out of state to have her own insurance in that state. I'm pretty certain that nearly all parents do it the same way I am: Insure the car here at home under the parent's policy. Am I missing something? I think you are right about t...
by G12
Mon Jul 25, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: Buying a VW?
Replies: 30
Views: 2536

Re: Buying a VW?

My wife has a 2012 2.0 Turbo Beetle with DSG transmission. She has put over 70k miles on it. We had some issues with the sunroof as it was the first year post "New Beetle" model changeover, that was all fixed under warranty. Mechanically, the only real thing that comes to mind was a module...
by G12
Mon Jul 04, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Looking for option for uninvested Roth
Replies: 19
Views: 1221

Re: Looking for option for uninvested Roth

I'm feeling kind of lazy today. Looking at your current AA why not invest in something with a similar AA in a target date or LS fund and not have to sell/rebalance anything in your existing portfolio, etc. I would probably put it in admiral Wellesley VWIAX and carry on although I understand the inde...
by G12
Sat Jul 02, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 8124

Re: Living off dividends/interest in retiremeht

Thus, I suddenly came to the realization that I can easily live off dividends and interest if I structure my portfolio to maximize dividends instead of total return. My question is whether there are any Bogleheads retirees that do so? I have been retired for 6 years, retired at 47. My wife still wo...
by G12
Wed Jun 29, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: Lending Club
Replies: 32
Views: 2979

Re: Lending Club

I agree with all of that, AND I understood it from my first investment. Thus the reason that despite the awesome returns, apparent minimal volatility in returns, and very low correlation with my equities, that I only invest 5% of my portfolio in it and recommend others also limit their investments ...
by G12
Fri Jun 24, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 6156

Re: Dog attacked by another dog

That's crazy. But then again you probably have a jerk cop in every city. But there are also great ones who would more than likely handle the situation appropriately. I was at my city park playing frisbee with my dog one time...he was off leash and I of course knew full well it's technically against...
by G12
Thu Jun 23, 2016 6:24 pm
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 214
Views: 30214

Re: How Much To Tilt To Small Value?

My portfolio is ~ 42% value, primarily due to LCV exposure and some individual holdings, then again I am not a Boglehead purist. I have always invested with a tilt to value and historically had significant small cap holdings, YMMV. I recall RZV, due to it being a much more "value" focused ...
by G12
Wed Jun 22, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Sell Condo or Become Landlord in Chicago
Replies: 14
Views: 1610

Re: Sell Condo or Become Landlord in Chicago

I recently sold a rental property we owned for 6 years, we never occupied the property. Did well on rental income, tenants, sold for a gain, etc but the depreciation recapture and its tax impact, plus capital gains, etc and I would take the tax free sale in a heart beat. If you have not researched t...
by G12
Mon May 23, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a soon-to-be MLB draftee
Replies: 68
Views: 10758

Re: Advice for a soon-to-be MLB draftee

Is he a pitcher or position player? Odds are obviously slim of making and sticking in MLB, he is probably making the right decision to go as a junior as seniors have zero leverage regarding money. If the parents are not financially experienced they could do far worse than speaking with the Vanguard ...
by G12
Wed Apr 27, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: Mohnish Pabrai launches ETF channeling Charlie Munger
Replies: 24
Views: 5188

Re: Mohnish Pabrai launches ETF channeling Charlie Munger

This is clearly supposed to be an important and non-obvious principle. But is he saying look carefully at the cannibals so you can concentrate on holding them, or is he saying look carefully at the cannibals so you can avoid them? Perhaps he is implying stay away from companies that buy back stock ...
by G12
Sat Mar 05, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant said our investment funding priorities were wrong, confused
Replies: 11
Views: 1957

Re: Accountant said our investment funding priorities were wrong, confused

What your accountant is telling you is that $118k modified adjusted gross income is the cap to take deductions for traditional IRAs, and that you and your spouse should contribute either to 401k/403b instead in order to get below the $118k limit and reduce your taxes that way. The 401k/403b contribu...
by G12
Thu Mar 03, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 9068

Re: Cast Iron Frying Pans

My wife bought a Martha Stewart enamel covered cast iron dutch oven on sale a few years ago, it has held up very well and requires no maintenance. We had a variety of other cast iron cookware we use occasionally, I consistently have to go behind her to re-season the skillets and keep them in good co...
by G12
Thu Nov 05, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Potential Energy Downside?
Replies: 27
Views: 2878

Re: Potential Energy Downside?

Who besides me was buying when the streets were red with blood back in late August? Lately, the lemmings have been showing up en masse to the party, guess they were too busy down at the beach to notice the bargains then. My average cost for VDE is somewhere near $85. I am not sure whether to sell o...