Search found 545 matches

by Helo80
Fri Feb 16, 2018 6:04 pm
Forum: Investing - Theory, News & General
Topic: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Jack'
Replies: 17
Views: 1012

Re: Article on Bogleheads in Philly.com--The Bogleheads celebrate 20 years of low-cost index funds with patron 'Saint Ja

In the last 20... two market crashes, and a very long bull-run as of late... makes me wonder what the next 20 years will be like?
by Helo80
Fri Feb 16, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262197

Re: U.S. stocks in freefall

lostdog wrote:
Fri Feb 16, 2018 12:46 pm
Anyone here admit to emotional selling during that dip?
I emotionally bought some TSM... not a huge amount, but how often does the dow fall 1000 points? Might as well market time a bit.
by Helo80
Fri Feb 16, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment new tires
Replies: 15
Views: 663

Re: Wheel alignment new tires

Couple of thoughts... 1. From pure observation, it seems BMW puts on some factory negative camber on some of their models for the rear tires. For whatever reason, it is especially noticeable to me on their SUVs (larger tire) 2. Factory car tires seem to have gotten especially sucky in the last decad...
by Helo80
Fri Feb 16, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2484

Re: USAA 41% More For Car Insurance

I had USAA auto insurance for about 25 years. I'd compare costs with other companies periodically and USAA had always been competitive. About 2-3 years ago, I noticed regular >10% increases every 6 months. Last year I had enough and checked around. Now paying Geico for a similar policy for <40% of ...
by Helo80
Fri Feb 16, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2484

Re: USAA 41% More For Car Insurance

Your best bet is to shop around for car insurance and grab different quotes. What USAA does not make clear in their commercials is there are several underwriters under the USAA house brand depending on your affiliation (officer, dependent of officer, senior enlisted, junior enlisted, grandson/daught...
by Helo80
Fri Feb 16, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 82
Views: 5926

Re: Honda vs. Toyota: Which has more bang for the buck?

I generally prefer Honda over Toyota, but another thread reminded me about the costly Honda transmission problems some owners have been stuck with, so I'm hesitant to consider them equivalent on reliability. Choose Honda for performance and style, or choose Toyota for quieter ride and reliability. ...
by Helo80
Wed Feb 14, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 82
Views: 5926

Re: Honda vs. Toyota: Which has more bang for the buck?

Thanks so much for all your replies! So much useful information here. I think I'm going to go look at Camrys. Not sure what trim level - it looks like all the levels have the safety features I want. Another related question - I am in the dark ages music technology-wise since my car is old - it just...
by Helo80
Tue Feb 13, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 24
Views: 2222

Re: Costco 'Goodyear' wiper blades

I am amazed by those who report 1 to 3 years wiper blade life. I've never been able to get more than about 6 months before the blades begin to streak so bad that night driving in mist or rain becomes intolerable - pretty much no matter what brand blades I use and I've tried most of them over many y...
by Helo80
Mon Feb 12, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 24
Views: 2222

Re: Costco 'Goodyear' wiper blades

This is the first positive review I've read on the Costco Goodyears. In other parts of the interwebs, we're a bit perplexed why Costco sells Goodyear brand as people buy and then return them because they streak. Then again, Costco does enough business that they would drop said blades if they were a ...
by Helo80
Sun Feb 11, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2730

Re: The value of car body repairs/upkeep of older cars?

It's a 9.5 year old car. While it's a great car to you, it has zero sentimental value to anybody else and will be compared against other Maxima's (and similarly equipped makes) of that era. You're unlikely to get much of the repair work back when it comes to dealer trade in or private sale. I person...
by Helo80
Sun Feb 11, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6394

Re: Does it ever make sense to buy a new car?

Basically, my point is that the mathematically best decision is much more complicated than people make it out to be (here or anywhere). If you are generally being responsible with your purchases, the level of nuance is probably more than it is worth worrying about. You had a great post that I reall...
by Helo80
Sun Feb 11, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6394

Re: Does it ever make sense to buy a new car?

Thanks for the advice and analysis of the residual price. You seem to have a great understanding of the car market. Have you worked in the auto sales industry? Also, in your opinion is it worth spending the time and energy to try and find a potentially better used Camry deal if I was to just return...
by Helo80
Sun Feb 11, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6394

Re: Does it ever make sense to buy a new car?

It should be pointed out that leasing has tax advantages for some business owners that buying does not. A blanket statement that "leasing is for suckers" is not correct for some here. There are a number of advantages that leases afford, but when you mix cars + leasing + financial forum, it's usuall...
by Helo80
Sun Feb 11, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6394

Re: Does it ever make sense to buy a new car?

It does for me. I drive about 23,000-25,000 miles a year. Right off the back a lease would not work for me with all the miles I put on a car. My last car went around 270,000 miles, which is probably about 18 years for a person driving normal miles. I also get an extended warranty which has usually ...
by Helo80
Sun Feb 11, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6394

Re: Does it ever make sense to buy a new car?

Also, do hybrids not hold their resale value well? For whatever reason the Camry Hybrids I've looked at in my area look like they are holding their value just as well as the gas counterparts. I have stupidly always viewed them as a better decision but I tend to drive only 8-9k miles a year. If you'...
by Helo80
Sun Feb 11, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6394

Re: Does it ever make sense to buy a new car?

This didn't play out in my case. I know this is the standard advice, but in my case, I was able to get the a 2013-2016 model year Civic ( last generation's) when the 2017 redesign came out. A new LX, the cheapest model, was going for around $18,000. I got a low mileage model off of a 3-year lease f...
by Helo80
Sun Feb 11, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6394

Re: Does it ever make sense to buy a new car?

Good question, it’s a 2015 Camry XLE currently 20k miles and the residual is 16.9k maturing in July. According to my research it’s right below market value assuming you bought a similar car from a dealer and I return it with around 23-24k miles based on how my mileage is tracking. Ok, thanks for th...
by Helo80
Sun Feb 11, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6394

Re: Does it ever make sense to buy a new car?

If I buyout my lease I’ve eliminated car payments and have a low mileage 2015 Camry with a residual that should be just under market value. If I'm not mistaken, nobody has actually asked what the RV on your '15 Camry is right now. To me, that would be a huge factor in whether to keep the car moving...
by Helo80
Sat Feb 10, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why would people buy condos/SFH in Texas?
Replies: 61
Views: 5688

Re: Why would people buy condos/SFH in Texas?

Again, I am not sure why people would buy condos or SFH if they were single and needed to work/live in Texas. Let's say there is a 1-bedroom, 1-bath condo in Texas selling for $200,000 in downtown Houston. The property taxes would be a little over $5,200/yr (2.6%) and the HOA fees might be somethin...
by Helo80
Sat Feb 10, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6598

Re: Day trading for a living/career?

n/m, I see what was being said.
by Helo80
Sat Feb 10, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6598

Re: Day trading for a living/career?

Day trading is easier to do when the market's are going up. When they're going down or are very volatile, those are the true tests of day traders and then it starts to look more like gambling.
by Helo80
Sat Feb 10, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 29
Views: 1888

Re: Good Hotel in DC

In all honesty, the Trump hotel. 1. It's on Pennsylvania Ave (same as White House) 2. Next to the IRS building 3. One block away from the FBI building 4. The hotel is the old post office building (historic architecture) 5. One block away from the National Mall and Smithsonians 6. 2 blocks away from ...
by Helo80
Tue Feb 06, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 68
Views: 5621

Re: Washer/Dryer longevity ?

I believe dryers haven’t changed much over the years. They are basically a heating element and a spinning tub. Washers on the other hand have progressed quite a bit. Many now have moisture sensors which prevent clothes from getting cooked. I was going to mention this as well. I have a 3 year old dr...
by Helo80
Tue Feb 06, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5156

Re: Want a Safe Car, Feel Guilty

I bought my 2007 Lexus IS 350 when it was 5 years old. Prior to that I had a used Infinity. And in my younger days I bought a brand new Avalon. At some point I realized buying new isn’t necessarily better. Ok, and I admit I still want somewhat of a “sexy” car. . . Look at the '18 Camry and Legacy. ...
by Helo80
Tue Feb 06, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8844

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Quicken management: "How do we turn a bonehead IT screwup into a nice business opportunity?" As I said before, "shrewd business move by Quicken.". :moneybag If I were at Quicken, I personally would have pushed for 6 months to try and get people into and hooked on their product. For 60 days, it's no...
by Helo80
Tue Feb 06, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5156

Re: Want a Safe Car, Feel Guilty

Coming from a Lexus, a loaded Camry may not appear like much of an upgrade. Check out the ES, let your stomach churn some more when you see the price tag, and when you get back to the Camry, you'll be fine. Or you may like the upgrade. Agreed --- A top of the line '18 Camry (with V6, leather, nav, ...
by Helo80
Tue Feb 06, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5156

Re: Want a Safe Car, Feel Guilty

...V6 (my husband’s request)... I understand that it's your husband's request, but why? The V6's of yesteryear are comparable to the 4 cylinder engines we have today. The advances in engineering, CAD, and fuel ignition visualization are producing the best engines we have ever seen. Honda has droppe...
by Helo80
Tue Feb 06, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7818

Re: "Bitcoin is my potential pension"

I don't think this is particular to cryptos. Check out WallStreetBets subreddit where some people have been maxing credit to buy 3X leveraged ETFs and option trade. High risk and play money is very different from responsible index investments. The problem becomes if this is the meat and potatoes of...
by Helo80
Mon Feb 05, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7818

Re: "Bitcoin is my potential pension"

bhsince87 wrote:
Mon Feb 05, 2018 7:21 pm
Reminds me of a relative who spent $20k on Beanie Babies back in the 90's.

He literary said the same thing," This will be my pension in 20 years."

The Beanie Baby collector I knew said "This will pay for my college"
by Helo80
Mon Feb 05, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262197

Re: U.S. stocks in freefall

WOW. I wanna buy and Vanguard won't let me in to their site! Anybody else have same issues? If I understand timing correctly, it's past 4 PM EST now.... so you have until 4 PM EST tomorrow to place your buy order. You would have had to have the order in 16 minutes ago, but as others mentioned and I...
by Helo80
Mon Feb 05, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262197

Re: U.S. stocks in freefall

onourway wrote:
Mon Feb 05, 2018 4:00 pm
This is a reason I'd not considered before for having multiple brokerages. Could not place an order at Vanguard. Went to my account at Schwab and did it there instead.

Excellent point about not keeping all your eggs in one basket. Probably a good learning point and takeaway for us all today.
by Helo80
Mon Feb 05, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262197

Re: U.S. stocks in freefall

eye.surgeon wrote:
Mon Feb 05, 2018 3:51 pm
vanguard.com is down....I'm guessing a lot of sellers. I'd like to think it's too many buyers, but the markets suggest otherwise.

Wow.... I submitted a buy order for TSM.... glad I did not wait to the last minute on this.
by Helo80
Mon Feb 05, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262197

Re: U.S. stocks in freefall

Is 4 PM EST the trading deadline for today's valuations at Vanguard?
by Helo80
Mon Feb 05, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262197

Re: U.S. stocks in freefall

I would care less, but just did a small buy on S&P500 one week ago today in my taxable. But, it's all good. Can't time the market, but who the heck thought we'd be seeing a 1000 pt drop this week!?!?
by Helo80
Mon Feb 05, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262197

Re: U.S. stocks in freefall

Wow.... we knew a day like this was coming....
by Helo80
Mon Feb 05, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7818

Re: "Bitcoin is my potential pension"

I definitely appreciate OP for putting this story on my radar --- the comments are hilarious on the article.

That being said, I think threads that turn into a bash fest/mockery of these "investors" plight tend to lead to a locked thread.
by Helo80
Mon Feb 05, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7818

Re: "Bitcoin is my potential pension"

You read these articles, and begin to feel badly the sheer level of foolish that people have with money. Invariably, somebody is going to lose a home, car or something else (if it has not already happened), because Wall Street and "The man" screwed them over on bitcoins. "Wall Street bought low, sol...
by Helo80
Mon Feb 05, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7818

Re: "Bitcoin is my potential pension"

HomerJ wrote:
Mon Feb 05, 2018 12:33 pm

I read a book on how to play craps and count cards at blackjack. I seriously thought I was going to be a professional gambler.


HomerJ --- Have you tried acting or creating a sitcom about your family life?
by Helo80
Sun Feb 04, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on my financial situation
Replies: 21
Views: 1364

Re: Need some advice on my financial situation

Since a lot here are concerned about your commute, even though you're not asking for our personal advice per-say, you're switching up your personal living situation for what sounds like a financial reason. If your goal is to save every penny and retire at 40 or 45, then by all means, save the $12 gr...
by Helo80
Sun Feb 04, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on my financial situation
Replies: 21
Views: 1364

Re: Need some advice on my financial situation

tRacer4201 wrote:
Sun Feb 04, 2018 6:22 pm


Appreciate all the advice. I do already have VTIAX in my portfolio. Is that a good balance with VTSAX?


My mistake... missed that. Yup, VTIAX is a great international fund.

Are you maxing your 401k? I see you're maxing your Roth IRA.
by Helo80
Sun Feb 04, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on my financial situation
Replies: 21
Views: 1364

Re: Need some advice on my financial situation

- My biggest expense is my rent ($2,500). It's insane... I know. It's the cost of being close to my work (walking distance). My lease expires soon, and I am moving an hour away. I will save another $1K a month. Why? Yeah, $2500 is high, but you're earning $120k and are within walking distance. Ther...
by Helo80
Sun Feb 04, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1101

Re: T-Mobile Coverage in Rural Areas

I subscribed to T-Mobile for 10+ years as they had the best bang for the buck for a long, long time. When I was in densely populated areas and lived 95% of my life in said areas, service was fine -- no issues with dropped calls or overloaded cell towers. However, when I moved to a more rural area, (...
by Helo80
Sun Feb 04, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: shall I buy Toyota prepaid maintenance service for 2018 Camry
Replies: 37
Views: 3086

Re: shall I buy Toyota prepaid maintenance service for 2018 Camry

BMW USA includes free maintenance for the first 3 years / 36000 miles (used to be 4 years and 50000 miles). Nothing to negotiate, it is just included, you can obviously argue that you paid for it with your purchase already but it is still something to consider when comparing to other brands especia...
by Helo80
Sun Feb 04, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 37
Views: 2162

Re: Need help - first major career choice (fed. gov.)

An SES or related technical position would be at the very low end of that range but I can't think of any situation where such a job would go to a recent Ph.D. Might be possible in state or local government in a very high cost of living area but I'd be very surprised if such a position could be had ...
by Helo80
Sun Feb 04, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 37
Views: 2162

Re: Need help - first major career choice (fed. gov.)

At the bottom of the list (among large agencies), year after year, is DHS. Even with the cushy federal benefits, people are miserable enough at DHS to where there is a surprising degree of turnaround among the staff. TSA falls under DHS, and it would not surprise me if TSA weighs down a lot of that...
by Helo80
Sun Feb 04, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 37
Views: 2162

Re: Need help - first major career choice (fed. gov.)

(If someone is curious, another career that seems viable is tenure track prof. job in LCOL, starting at ~$65k/year. ~$65k/year seems hard to make a budget work while saving ~>1k/month for retirement.) No, you don't want to do that unless you have the hookups or knowledge to work the academic system...
by Helo80
Sun Feb 04, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 9318

Re: How risky is Med school student loan debt?

Here are a couple of thoughts on that from my own viewpoint: 1. Very few people would take on the debt and education time to become a physician if it paid social worker salaries in the end. I believe the people you are referring to are called "Veterinarians" :D LOL... you win. Never considered vets.
by Helo80
Sun Feb 04, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8844

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Heads up --- it sets your "Auto-Renew" to On --- It's easy to turn off auto-renew in your profile settings though.
by Helo80
Fri Feb 02, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5034

Re: Choosing which room to sleep in

fulltilt wrote:
Fri Feb 02, 2018 2:33 pm
Helo80 wrote:
Fri Feb 02, 2018 7:44 am
dm200 wrote:
Wed Jan 31, 2018 7:50 pm
I have seen "studies" on health that recommend doing only 1 or 2 things in the bedroom. The one is sleep. The other is ... (not reading or watching TV or using an exercise machine ... )

Posting on Bogle Heads ?
Getting dressed.

Oh, duh! How could I miss that obvious one...
by Helo80
Fri Feb 02, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: shall I buy Toyota prepaid maintenance service for 2018 Camry
Replies: 37
Views: 3086

Re: shall I buy Toyota prepaid maintenance service for 2018 Camry

"any" is a strong word. While it is generally true that wear items are not included under maintenance plans, there are some plans that do. I've gotten a full set of brake pads and multiple sets of wiper blades out of the 4/50 maintenance included with both of my BMWs. Fair enough... I honestly do n...