Search found 1162 matches

by Khanmots
Wed Jun 08, 2016 9:00 pm
Forum: Personal Consumer Issues
Topic: The cost of a root canal?
Replies: 38
Views: 2801

Re: The cost of a root canal?

Also, consider having the tooth extracted and getting an implant+crown. Implants are definitive treatment, and may be cheaper in the long run as compared to a root canal+crown (much higher failure rate and need for re-treatment). ~shai As someone with both, I would not suggest that. The implant is ...
by Khanmots
Mon Mar 07, 2016 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Ever successfully appealed a property tax asssement?
Replies: 27
Views: 2459

Re: Ever successfully appealed a property tax asssement?

Got a pretty good chunk off last time I appealed. Not as much as I tried for, but reduction from 180 to 150 or so. Here they have to tell you what properties they used to base their assessment off of. I took that list then visited Zillow and snagged listing photos of the various upgrades and such th...
by Khanmots
Tue Jan 26, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: any retirees in the Seattle area open to a couple hours of driving?
Replies: 23
Views: 2356

Re: any retirees in the Seattle area open to a couple hours of driving?

So this vehicle is such a good deal that you will recover the cost of the flight, the car rental, the gas to drive your purchase back to the rust belt? Not to mention hotel(s) and meals during your travels. Depending on the car it could well be... I have a coworker who flew 800 miles or so to get a...
by Khanmots
Mon Jan 25, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Trip to Oregon
Replies: 43
Views: 2647

Re: Trip to Oregon

If you're willing to go a bit further south than crater lake into the northern bit of California the redwoods are amazing. There's also a little place off the coast "fern canyon" that's just spectacular. At the northern end you can spend days exploring the Columbia gorge. If you're thinkin...
by Khanmots
Fri Jan 22, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 10813

Re: What age does LBYM (being a big saver) pay off?

One of my uncle's approach to life is that "It's not a problem if money can fix it." Which, *if you have money* is a quite rational way to look at life. You can focus on the real problems, an aunt with cancer, the friend who just had their SO bail on them, etc. Things like your car breakin...
by Khanmots
Wed Jan 20, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 106
Views: 9083

Re: Here We Go Again: SWR 2.5% or 5.5%?

JonnyDVM wrote:I feel sorry for those who insist on calculating a SWR of 3% or less. You're going to die with a load of unspent money you worked a lifetime to earn.


Depends on how many years you want to be prepared for in retirement. Once you start getting up near 50, a 2.5% SWR starts making a lot more sense.
by Khanmots
Mon Jan 18, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat??
Replies: 39
Views: 4980

Re: Wifi Thermostat??

I've got the ecobee smart si. Love the thing. As for smart thermos, the question is what kind of smart are you looking for? 1) A thermo that will figure out what your patterns are and set temps accordingly. You just tweak the thermo up or down and it'll figure out your schedule from that. 2) A therm...
by Khanmots
Sun Jan 10, 2016 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: SIL looking at a MLM "opportunity" - how to protect her?
Replies: 18
Views: 2728

Re: SIL looking at a MLM "opportunity" - how to protect her?

I am on the "MLM is evil". I am sure that there are exceptions but I have seen too many people get sucked up into these. In the end they wind up with a large high interest credit card bill and lots of inventory in the garage. I would point out to your SIL in law that this is a exciting ac...
by Khanmots
Sat Jan 02, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: SIL looking at a MLM "opportunity" - how to protect her?
Replies: 18
Views: 2728

Re: SIL looking at a MLM "opportunity" - how to protect her?

mpowered wrote:...almost all SBA loans require personal guarantees from those owning a substantial portion of the company.

Good to know. Given that, any reason to take a 0% introductory rate for the business rather than self-fund?
by Khanmots
Sat Jan 02, 2016 1:49 am
Forum: Personal Finance (Not Investing)
Topic: SIL looking at a MLM "opportunity" - how to protect her?
Replies: 18
Views: 2728

Re: SIL looking at a MLM "opportunity" - how to protect her?

Appreciate the feedback so far. I had not thought of the business insurance route, will mention it to her. And BL, she has asked. I was running through her math with her and pointing out areas she needed to do further research in. Limiting liability is one of those areas and I told her I'd ask for t...
by Khanmots
Fri Jan 01, 2016 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: SIL looking at a MLM "opportunity" - how to protect her?
Replies: 18
Views: 2728

SIL looking at a MLM "opportunity" - how to protect her?

MLM = multi-level marketing. I know, she should be avoiding this, and that it's doubtful that she'll make any money, and so forth. I've gently pushed that to her. However, she can afford to lose the money, and I'm not going to endanger the relationship by trying harder to talk her out of it. What I'...
by Khanmots
Fri Dec 11, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: We have a major bedding issue. Yes, bedding.
Replies: 43
Views: 4994

Re: We have a major bedding issue. Yes, bedding.

71! :shock: i would freeze to death. wife and i finally compromised on 72-73 with a fan on. my comfort zone is 73-75 at night, but i'm a gulf coast native. i'm assuming most of you are northerners. keep in mind OP is in GA which is hot and steamy so their default thermostat levels may be a bit warm...
by Khanmots
Wed Dec 02, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 6741

Re: What am I missing ? ... Smart Phones $100 vs. $600

I have an expensive phone, was $600 new... could get for maybe half that now. Gotta love the speed of tech! :twisted: I got it instead of something less expensive for multiple reasons. It was one of the first to have band 12 support... one of I think 3 that were available when my old phone broke. Ba...
by Khanmots
Wed Nov 25, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Which Michelin Tire?
Replies: 19
Views: 1357

Re: Which Michelin Tire?

I find tirerack.com to provide the best research. They do pretty extensive testing and comparisions between different tires that I have found very useful. Sometimes I'll buy from them, sometimes from a local retailer... all depends on the prices at the time I need to replace tires. That said, don't ...
by Khanmots
Tue Nov 17, 2015 8:15 pm
Forum: Personal Consumer Issues
Topic: Yeti cooler - Worth the money?
Replies: 29
Views: 4259

Re: Yeti cooler - Worth the money?

I do a lot of fishing over here in Tennessee... and it gets plenty hot here. I was shopping for a new cooler this summer at BPS and was looking for a soft cooler (fishing from a kayak, the soft coolers make less noise).. That was my first experience with the Yetti brand. I saw one and looked it ove...
by Khanmots
Mon Nov 16, 2015 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Handling high CC debt
Replies: 64
Views: 3776

Re: Handling high CC debt

Can you tap the equity in the house? Either with a equity loan or a cash-out refinance?
by Khanmots
Wed Oct 14, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Financing a new car and investing the saved money?
Replies: 81
Views: 4971

Re: Financing a new car and investing the saved money?

Unless there's something you're not telling us, you should not be buying a $25k car at this point in your life. Why not? I've not seen any information he's provided that leads me to believe he's making a mistake. He might or might not be, but I'll give him the benefit of the doubt. Desire for liqui...
by Khanmots
Mon Oct 12, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Headlights & car safety
Replies: 48
Views: 4057

Re: Headlights & car safety

K......appreciate the feedback. Guess I'll keep thinking positively. Some(most?) of the Amazon feedback was not as positive.....will mentally write it off as technique not as thorough/careful as ours :happy . .....still.......crossing fingers. Personally I remind myself that replacing the headlight...
by Khanmots
Mon Oct 12, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Headlights & car safety
Replies: 48
Views: 4057

Re: Headlights & car safety

Just used the Sylvania headlight restoration kit (supposedly recommended by Popular Mechanics). Seems to work well for now. The question in my mind is the durability of the coating. What lifetime have folks experienced? Supposedly there is a lifetime warranty if you register . Has anyone attempted ...
by Khanmots
Mon Oct 12, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: Explain the Risk Premium
Replies: 28
Views: 1969

Re: Explain the Risk Premium

small_index wrote: The risk/reward relationship was uncovered through study and measurement, not reasoning. There might be no "per se" reason for it, but research papers found it and continue to confirm it. The issue I was getting at was whether the "risk/reward relationship" wa...
by Khanmots
Thu Oct 08, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: Trouble with family thinking we have more money than we do
Replies: 87
Views: 9436

Re: Trouble with family thinking we have more money than we do

I find it interesting the different perspectives on expectations for helping ones parents. Personally, my parents believe that obligation flows from parent to child. Adult children do not have an obligation to the parents. Interactions, be it social, monetary assistance, or whatever, should be based...
by Khanmots
Wed Oct 07, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Headlights & car safety
Replies: 48
Views: 4057

Re: Headlights & car safety

yes, headlights have improved. there are aftermarket projector kits for older cars but the quality is often poor. if your headlights are oxidized (cloudy), polishing them with a plastic polish or headlight restoration kit might improve the situation, though the effect won't be profound. Can be a hu...
by Khanmots
Thu Oct 01, 2015 5:32 pm
Forum: Personal Consumer Issues
Topic: Dental savings discount plans for implants?
Replies: 16
Views: 1405

Re: Dental savings discount plans for implants?

My dentist submitted an implant proposal to MetLife federal dental, high option; they covered practically nothing and I never went though with it. Actually, there are so many exceptions in the plan (and MetLife is considered one of the better ones) I don't know why I hold on to it. There are one or...
by Khanmots
Wed Sep 30, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: What is your car buying strategy?
Replies: 84
Views: 5720

Re: What is your car buying strategy?

In any negotiation you need to try to determine what the other person's position is based on; without some basis for their cost you don't have a clue what to offer. With cars you've really only got three choices that I'm aware of: MSRP; so-called invoice; or trying to guess based on analysis of use...
by Khanmots
Tue Sep 29, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: What is your car buying strategy?
Replies: 84
Views: 5720

Re: What is your car buying strategy?

If all you cared about is a quoted OTD price, then you have absolutely no idea how much money they are making off of you. Yes, you are correct, that finding the invoice price is misleading, because it doesn't necessarily reflect the actual dealer's cost of the vehicle (incentives and holdback can t...
by Khanmots
Mon Sep 28, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: What is your car buying strategy?
Replies: 84
Views: 5720

Re: What is your car buying strategy?

An alternative to hunter's approach that worked well for me. 1. Is exactly the same as him... decide exactly what car you want. 2. Once you decide what you want, go online. Start researching car forums and finding out what others have paid recently. Go hunt up the "invoice" price. Go look ...
by Khanmots
Thu Sep 17, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 62501

Re: upgrade to Windows 10?

the reason I reverted to windows 7 was that there is NO option to NOT install updates This is the primary reason I've not gone to windows 10. They force driver updates on you as well as security patches. I'm purposely *not* upgrading my video-card drivers to avoid conflicts with one of the games I ...
by Khanmots
Thu Sep 03, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 59
Views: 6418

Re: Tire rotation

Might poke around tirerack.com a bit and read tests and reviews... $500 a set is a lot more palatable than $1000+ I'm able to get 4 Michelins installed for about $550 via Costco in my area. For some reason, there aren't a lot of tire choices. A bit jealous, a relative got his truck to 75k miles wit...
by Khanmots
Mon Aug 31, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 59
Views: 6418

Re: Tire rotation

My Mazda is close to wearing out a second set of OEM Michelin tires at 75k miles. It's a bit expensive, but I suppose that's the price you pay for the zoom zoom? Depending on which tires I get, I get somewhere between 15-25k miles on a set. That said, I'm not selecting my tires for longevity... :D ...
by Khanmots
Tue Aug 18, 2015 12:42 pm
Forum: Investing - Theory, News & General
Topic: Should you "weight" pre-tax and post-tax money differently when you AA?
Replies: 55
Views: 3074

Re: Should you "weight" pre-tax and post-tax money differently when you AA?

I don't consider taxes when deciding what my AA should be. I do consider taxes in determining what the future value of each dollar is. My AA is then implemented in terms of future dollars. I do this because nominal dollars today isn't what matters... it's dollars at the time I need to spend it. It's...
by Khanmots
Wed Jul 29, 2015 7:52 am
Forum: Investing - Theory, News & General
Topic: What do you know... (that no one else knows)?
Replies: 11
Views: 1743

Re: What do you know... (that no one else knows)?

A closely related topic is the Dunning Kruger effect

If you've ever had a company do an assessment where they ask their employees to self-assess their expertise in various skills I'm sure you've seen this in action. Amazes me that companies do such a thing. :oops:
by Khanmots
Fri Jul 24, 2015 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Do you take taxes into account when deciding your AA?
Replies: 6
Views: 807

Re: Do you take taxes into account when deciding your AA?

I want to emphasize a subtle difference. I don't consider taxes when deciding what my AA should be. I do consider taxes in determining what the future value of each dollar is. My AA is then implemented in terms of future dollars. I do this because nominal dollars today isn't what matters... it's dol...
by Khanmots
Mon Jul 13, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Removing PMI: get appraisal or pay down mortgage?
Replies: 17
Views: 1253

Re: Removing PMI: get appraisal or pay down mortgage?

Depends on what kind of liquidity you have. If $4k isn't going to make you lose sleep over a lack of liquidity, then I'd go that route. It's not lost as a fee and a HEL could potentially pull the cash back out if necessary. That said, make very sure that removal of PMI does not require an appraisal ...
by Khanmots
Fri Jul 10, 2015 8:20 am
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 10213

Re: New tires - where to buy, how to get a good deal?

Note, some have talked about considering total price of mount+balance+tire disposal, etc... most definately! When I purchase from tire rack I found that prices for those other services differed drastically between different chains (from like $10 or 15 a tire all the way up to around $35 a tire!). Ma...
by Khanmots
Wed Jul 08, 2015 8:30 am
Forum: Personal Consumer Issues
Topic: Productivity Apps that you pay for
Replies: 21
Views: 1976

Re: Productivity Apps that you pay for

Fences a desktop organizer.
Also use PostBox for my email.
by Khanmots
Mon Jun 29, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 10213

Re: New tires - where to buy, how to get a good deal?

Use tirerack for research and to establish a baseline price. Then check out some of the places you mentioned. Personally I'll order from tirerack unless somewhere local gave me good service in the past and is cheaper simply because I really appreciate the quality research resource that tirerack prov...
by Khanmots
Wed Jun 17, 2015 9:33 am
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 5592

Re: Non-Bogleheads approach to changing cars?

2005 - bought first car new for $23k - Acura RSX-S. The years I spent at uni in Austin I survived with public transport and a bicycle. Used parents old clunker when I was at home for summers and working. Got a car right after I got my real job. I'm not a fan of buying used because I don't know how t...
by Khanmots
Tue Jun 16, 2015 4:50 pm
Forum: Investing - Theory, News & General
Topic: Not Buying a Home Could Cost You
Replies: 36
Views: 8325

Re: Not Buying a Home Could Cost You

If it was cheaper to rent than buy there wouldn't be landlords.

That said, you shouldn't be buying as an investment.
by Khanmots
Tue Jun 16, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1342

Re: Proving address to credit bureaus

Some options that may require paying a fee... Call your bank/CC and ask for a paper copy of your most recent statement to be sent. May also see if you can request a replacement drivers license with an up-to-date address. Maybe report it lost? XD For a bit larger fee... but useful in lots of situatio...
by Khanmots
Tue Jun 16, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Add-On Items: Can you buy without spending $25?
Replies: 19
Views: 4492

Re: Amazon Add-On Items: Can you buy without spending $25?

Most add-on items I've been interested in there's been a different listing for the same item that's not an add-on... and usually at a lower price. I assume you've already searched for this?
by Khanmots
Mon May 11, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 9020

Re: International - Who really is at 40%

Been at roughly 55% since I took over from my "advisor" roughly 4 years ago. I didn't think about changing it when it was under-performing US, likewise I'm not thinking about changing it now. My allocation isn't based on performance, so recent events aren't tempting me to change it.
by Khanmots
Tue Mar 31, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: New Car Tires from Discount Tire
Replies: 23
Views: 4193

Re: New Car Tires from Discount Tire

I would not buy from Discount Tire. I live in Colorado and have had bad experiences with Discount Tire. They consider a tire unusable after several years, I'm not sure of the exact time limit, even if there is good tread left. Rubber compounds degrade over time regardless of use (although heat and ...
by Khanmots
Thu Mar 26, 2015 1:16 pm
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 134
Views: 17669

Re: Wise move to move some $ to cash before bear market?

What everyone else has said. And... if this author was such a good predictor of market movements, why is he writing for a living? Why hasn't he put his skill to use, made his fortune, and be currently hanging out on a beach somewhere with a large number of beauties of the appropriate sex? Maybe it's...
by Khanmots
Thu Mar 19, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 72
Views: 6049

Re: Do you have and auto loan?

No, never. We always pay cash for our automobiles. Auto loans are a huge mistake. If you cannot pay cash then buy a bicycle and save up. Didn't need a car at uni. Did need a car once I graduated and had a job. I got a loan for a car. No mistake made. I'll also likely get a loan when it's time to re...
by Khanmots
Sun Mar 01, 2015 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 27075

Re: Do you consider mortgage payments as savings?

Intellectually I consider paying down the mortgage faster than "normal" as bonds with a maturation date equal to the payoff date at the time I put the extra towards the mortgage. This accounts for the X months that I'll be saving (i.e., making) interest on the extra principle. When I have ...
by Khanmots
Wed Jan 28, 2015 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 3826

Re: Amazon Prime - good deal or calculated conditioning

Caducues, I've been surprised at how much of a difference the expedited shipping has made in my purchasing habits. Broken toilet seat? I can live with that for 2 days and save $30 over buying the replacement at the local home improvement store (and amazon has a far larger selection!) Pre-prime days ...
by Khanmots
Tue Jan 06, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: Price of Oil Dropping Good or Bad?
Replies: 15
Views: 1190

Re: Price of Oil Dropping Good or Bad?

I am amazed at the certainty market observers assign to reasons why the market is going up or down. Who knows what is behind some of it? Good point. I accepted that recent drops were because of oil prices because the media told me so. But maybe it was coincidence? Or maybe oil didn't drop as much a...
by Khanmots
Sun Dec 28, 2014 11:30 am
Forum: Personal Consumer Issues
Topic: Home Thermostat Wiring
Replies: 15
Views: 2664

Re: Home Thermostat Wiring

You may also want to look at your central air system; mine has a wiring diagram on it that helped me make sure that I had things connected right.
by Khanmots
Tue Dec 09, 2014 10:01 am
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 6003

Re: Harvey paper says re-balancing adds risk

I make no claim to knowing what is best but ... Intuitively to me it has always seemed that rebalancing into stocks after a crash is definitely adding risk. That's it's likely to pay off eventually is another thing... Rebalancing is about managing risk. Say you were at 50/50 equity/FI and that matc...
by Khanmots
Mon Sep 15, 2014 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 8210

Re: EJ Gadflies [Edward Jones]

I have previously ranted on this site that my stepdaughter's husband's twin is now an EJ "broker." When she came for a visit recently, we had a fairly long discussion about finances and I advised her not to make any investments with him. She is just starting out in her career, but will pr...

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