Search found 395 matches

by Mrxyz
Wed Jan 13, 2016 1:01 am
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11556

Re: Tough Frugal Decisions

A propos , I can tell which posters in this thread have truly “been there” and which ones haven’t. The ones who have truly been there -- who have once felt the hot knife of insecurity at their necks -- are sharing their stories. The ones who haven’t are giving advice or otherwise lecturing. No one ...
by Mrxyz
Sat Jan 09, 2016 9:57 pm
Forum: Investing - Theory, News & General
Topic: Buying opportunity - Blow EF and buy??
Replies: 17
Views: 1602

Re: Buying opportunity - Blow EF and buy??

It is indeed wise to have bonds in IRA's and stocks in taxable, but not exclusively. I leave enough stocks in IRA's to re-balance when appropriate without any tax effect, and enough bonds in taxable so I never have to think about touching my emergency fund when there is a buying opportunity. I don'...
by Mrxyz
Thu Jan 07, 2016 11:03 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11556

Re: Tough Frugal Decisions

Not sure if this belongs to this list. Delete it if its not appropriate. There was not enough money to go around - so skipped meals so that I could save money to buy medicine for poor people who could not afford medicine in a 3rd world country. Usually skipped dinner as you can drink water and feel ...
by Mrxyz
Thu Jan 07, 2016 10:06 pm
Forum: Investing - Theory, News & General
Topic: Buying opportunity - Blow EF and buy??
Replies: 17
Views: 1602

Re: Buying opportunity - Blow EF and buy??

It is indeed wise to have bonds in IRA's and stocks in taxable, but not exclusively. I leave enough stocks in IRA's to re-balance when appropriate without any tax effect, and enough bonds in taxable so I never have to think about touching my emergency fund when there is a buying opportunity. I don'...
by Mrxyz
Thu Jan 07, 2016 9:34 pm
Forum: Investing - Theory, News & General
Topic: Buying opportunity - Blow EF and buy??
Replies: 17
Views: 1602

Re: Buying opportunity - Blow EF and buy??

How about you wait for an actual decline before you back up the wagon. I don't think a couple down days qualifies This is so true. The 5% down in January is less than the 2-day drop back at the end of August. Did the emergency fund get used up back then? Trudat! (as any kid would say) I was busy wo...
by Mrxyz
Thu Jan 07, 2016 9:24 pm
Forum: Investing - Theory, News & General
Topic: Buying opportunity - Blow EF and buy??
Replies: 17
Views: 1602

Re: Buying opportunity - Blow EF and buy??

Your emergency fund has a purpose, and that purpose is not maximizing returns; leave it intact. However, if you want to buy more stock (and that might not even be a market timing decision; you might need to rebalance after the recent decline), you can do this; sell some bonds in your retirement acc...
by Mrxyz
Thu Jan 07, 2016 8:48 pm
Forum: Investing - Theory, News & General
Topic: Buying opportunity - Blow EF and buy??
Replies: 17
Views: 1602

Buying opportunity - Blow EF and buy??

Hi, I view the current downturn to buy more taxable and wonder if I can use my EF for it. Is this market timing or opportunity chasing? I don't know. I can easily 'refund' my EF in the next 3 months or less. OTOH, I can access funds from lots of other sources (other than my EF) if there is a true em...
by Mrxyz
Mon Jan 04, 2016 11:17 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7612

Re: Waste of money? [High-end home theater]

Hi, I got a home theater setup last November after spending (read 'wasting') around a year of time. I spent $8G instead of the 11G I planned for. Klipsch speaker, sony projector, Dalite 106 inch screen, smart remote.......... AND it's awesome!! I am glad I spend that money and got what I wanted. Mon...
by Mrxyz
Sat Nov 28, 2015 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 8826

Re: Heading toward divorce- what to look out for?

Hi all, Just an update. Things have worked out between us and family is intact! Which is a good victory but lots of misunderstanding and stress which has and still needs to be resolved. Thanks to all for their comments/suggestions/recommendations. I appreciate it. Glad to hear it. If you don't mind...
by Mrxyz
Sat Nov 28, 2015 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 8826

Re: Heading toward divorce- what to look out for?

Hi all,
Just an update.
Things have worked out between us and family is intact!
Which is a good victory but lots of misunderstanding and stress which has and still needs to be resolved.
Thanks to all for their comments/suggestions/recommendations.
I appreciate it.
by Mrxyz
Wed Oct 28, 2015 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 8826

Re: Heading toward divorce- what to look out for?

Thanks for all your replies. Strangers are better than internet resources. Never thought I will need to reach/resolve this stage. I am alone in this country - immigrant for >20 years. So no direct family help. I am not looking for any greener grass. Just need peace and quiet for me and kids - this i...
by Mrxyz
Wed Oct 28, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 8826

Heading toward divorce- what to look out for?

[Updated thread. Check the OP's update below and posting dates before responding. - admin alex] Hi all, Despite many many efforts by me, I am so, so tired of my marriage and cannot hold up any longer without serious consequences. Of course, both are at fault, but more importantly, I cannot take it ...
by Mrxyz
Sun Sep 27, 2015 12:57 am
Forum: Personal Consumer Issues
Topic: Best portable basketball hoop?
Replies: 2
Views: 320

Best portable basketball hoop?

Hi,
Any suggestions/ recommendations on the best portable basketball hoop? Will be used by kids alone - who just want to have fun on the driveway and will not make it to their school basketball team.
Thanks
by Mrxyz
Mon Sep 21, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Small Milestone!
Replies: 29
Views: 2630

Re: Small Milestone!

sawhorse wrote:Fantastic, congratulations!

Your main achievement isn't the number itself. It's the fact that you have demonstrated that you've established good financial habits. Well done!



Well said!!
by Mrxyz
Sat Sep 19, 2015 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 2318

Re: Out of I-bond emergency fund and into .... what?

In this case I would keep at least a month's worth in a local bank, no matter how low the interest. For the next part, what is your spouse comfortable with? If it is just a place you can walk into, maybe your local banks and credit unions need to be considered, even with no returns. If she is comfo...
by Mrxyz
Sat Sep 19, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 2318

Re: Out of I-bond emergency fund and into .... what?

If you don't like i-Bonds, a CD ladder at Ally bank would be where I'd go. I would keep the government bonds. Mike I am sorry if I did not make it clear, but I like I-bonds (state tax deferred, can be used for educational fund for kids if they are in parent's name etc), it is the access to them, wh...
by Mrxyz
Sat Sep 19, 2015 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 2318

Out of I-bond emergency fund and into .... what?

Hi, After many failed attempts to teach DW about our I-bond emergency fund (50G), I plan to move them to a different account for easier access. CD at Ally Bank? Vanguard fund? (Basically, I do not think I will need to access these funds (fingers crossed) as I can get access to money from family on a...
by Mrxyz
Sat Sep 19, 2015 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Small Milestone!
Replies: 29
Views: 2630

Re: Small Milestone!

Congratulations to you and your family!!
by Mrxyz
Mon Sep 07, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Mac Book Pro- do I need antivirus software?
Replies: 26
Views: 2991

Re: Mac Book Pro- do I need antivirus software?

Do you need AV on a Mac? Maybe..... Who is using it? You, to read BH? or the kids, to download the latest whatever? You *can* get a virus on a Mac. It's not that common, however. What is common recently is search engine hijackers/adware/crapware. These usually make their presence known by making th...
by Mrxyz
Mon Sep 07, 2015 1:06 am
Forum: Personal Consumer Issues
Topic: Mac Book Pro- do I need antivirus software?
Replies: 26
Views: 2991

Re: Mac Book Pro- do I need antivirus software?

Do you need AV on a Mac? Maybe..... Who is using it? You, to read BH? or the kids, to download the latest whatever? You *can* get a virus on a Mac. It's not that common, however. What is common recently is search engine hijackers/adware/crapware. These usually make their presence known by making th...
by Mrxyz
Sun Sep 06, 2015 1:02 am
Forum: Personal Consumer Issues
Topic: Mac Book Pro- do I need antivirus software?
Replies: 26
Views: 2991

Mac Book Pro- do I need antivirus software?

Hi, I have a MBP which is around 4 -5 years old - used by me and kids with no problems until recently. It slows down when you try to open some of the regular programs. I am not sure if the kids downloaded somethings they should not have. What options do I have to 'check' my laptop? Do I need to use ...
by Mrxyz
Sat Sep 05, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Please confirm steps for backdoor Roth
Replies: 6
Views: 641

Re: Please confirm steps for backdoor Roth

http://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html

Have you looked at this site?
I hope it helps.
And also look up the forum questions/answers by scrolling.
by Mrxyz
Sat Sep 05, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 65
Views: 6455

Re: New SUV, $50G, Pilot/Highlander/Other

50k gets you nice 3 year old used Cayenne in my hood. But whenever you start talking about porsches, BMWs, Mercedes, and to some extent even lexus make sure you know what you are in for maintence/repair wise Funny you should mention Porsche. I just saw this earlier today: Who's got the best CPO in ...
by Mrxyz
Sat Sep 05, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 65
Views: 6455

Re: New SUV, $50G, Pilot/Highlander/Other

Get a Crv-EXL or touring model and have about 15-18k left to "invest" :D :D http://www.crvownersclub.com/forums/14-problems-issues/63138-2015-honda-cr-v-vibration-idle.html Thanks Been there done that. Own a 2015 CRV-EXL purchased Nov.2014 ,flawless. My brother inquired about the same iss...
by Mrxyz
Fri Sep 04, 2015 11:08 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 65
Views: 6455

Re: New SUV, $50G, Pilot/Highlander/Other

Hi, I have $50G to spend on a new SUV. What recommendations you may have? Pilot/Highlander/Others. I am looking at the 2016 model, and am in no rush to buy - can wait for 6 months to buy something. Thanks This is literally like every other thread on "which car should I buy" on bogleheads....
by Mrxyz
Tue Sep 01, 2015 4:27 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 65
Views: 6455

New SUV, $50G, Pilot/Highlander/Other

Hi,

I have $50G to spend on a new SUV. What recommendations you may have? Pilot/Highlander/Others. I am looking at the 2016 model, and am in no rush to buy - can wait for 6 months to buy something.
Thanks
by Mrxyz
Sun Jun 28, 2015 2:58 am
Forum: Personal Consumer Issues
Topic: Under the sink reverse osmosis water filter recommendations?
Replies: 20
Views: 2463

Re: Under the sink reverse osmosis water filter recommendations?

Just curious what the opinions are of reverse osmosis vs a regular water filter under the sink (or in the fridge). I know arsenic is one of the contaminants that can be an issue. But even with reverse osmosis you can't remove all contaminants, e.g. some pesticides will still stay. The biggest issue...
by Mrxyz
Sun Jun 28, 2015 2:42 am
Forum: Personal Consumer Issues
Topic: Under the sink reverse osmosis water filter recommendations?
Replies: 20
Views: 2463

Re: Under the sink reverse osmosis water filter recommendations?

I have a Kinetico system in both of my houses, connected to drinking water faucet in sink plus ice maker. Works great, low maintenance. Has a pressure tank to insure constant flow of water. I highly recommend. Thanks! The sink and ice makers are not next to each other........ the Kinetico system pl...
by Mrxyz
Sun Jun 28, 2015 1:06 am
Forum: Personal Consumer Issues
Topic: Under the sink reverse osmosis water filter recommendations?
Replies: 20
Views: 2463

Under the sink reverse osmosis water filter recommendations?

Hi all, I wonder if you can recommend a good under the sink RO water filter? Is it better to have whole house water filter or under the sink for drinking water? Also, I have read some of the forum posts on drinking water and they mention NOT having a tank option for the under the sink water filter a...
by Mrxyz
Mon Jun 22, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Best iphone monitoring software/app
Replies: 0
Views: 564

Best iphone monitoring software/app

Hi all,
Any recommendations for the best iphone monitoring software/app ? This is for my kids and please, this is not a question on whether or not I should monitor anyone's iPhone especially my kids. Thanks
by Mrxyz
Wed Jun 17, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 8
Views: 1576

Re: New Garage Doors

Hi, There is water damage on my sectional roll up garage doors, which are now no longer manufactured. I have a 2 and 1 car garage doors whose bottom edge has rot from water contact. The doors are contractor grade and old (>10 years). The are masonite covered with polystrene inside. I have cleaned o...
by Mrxyz
Wed Jun 17, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 8
Views: 1576

New Garage Doors

Hi, There is water damage on my sectional roll up garage doors, which are now no longer manufactured. I have a 2 and 1 car garage doors whose bottom edge has rot from water contact. The doors are contractor grade and old (>10 years). The are masonite covered with polystrene inside. I have cleaned ou...
by Mrxyz
Wed Jun 10, 2015 1:14 am
Forum: Investing - Help with Personal Investments
Topic: I need to be group shamed
Replies: 28
Views: 5415

Re: I need to be group shamed

Join the club!
I always buy on Fridays knowing the market always dips on Fridays! :D
That does not qualify as market timing right???

I now have changed to having monthly automatic money transfers to taxable accounts on the 1st of the month. Way easier and no stress of 'checking' anything!
by Mrxyz
Sat May 30, 2015 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics over income?
Replies: 23
Views: 3437

Re: Ethics over income?

Are you questioning their ethics? Or are you actually wondering where your own ethics stand? The fact that you have to post this question, - means your ethics are affected AND you have a conflict. Figure out what you believe in first and stand by it. THEN, you have nothing to lose!
by Mrxyz
Thu May 28, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: All cash now ($1M) - need advice on entering this lofty market
Replies: 96
Views: 10429

Re: All cash now ($1M) - need advice on entering this lofty market

. BUT, we don't want to reenter the market now, only to be back where we were in 2009. So how do you know what will happen? That is trying to time the market, right? :happy Many ways to get back. Figure out where you want to place the funds and go in 50% and the rest DCA over the next x months OR j...
by Mrxyz
Wed May 27, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: Need bike hitch and rack for Honda Odyssey 2011
Replies: 8
Views: 539

Re: Need bike hitch and rack for Honda Odyssey 2011

Peterjens wrote:Do you have a Rack Attack by you. They may have a solution.
http://www.rackattack.com/store-locations.asp


No, nothing near me!
Thanks
by Mrxyz
Wed May 27, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Need bike hitch and rack for Honda Odyssey 2011
Replies: 8
Views: 539

Re: Need bike hitch and rack for Honda Odyssey 2011

I bought a hitch from etrailer.com. I would recommend looking at the options and watching the install videos. It took me about 45 minutes to install on a prius, which was actually a more complicated install as I had to cut a rubber underbody panel. http://www.etrailer.com/hitch-2011_Honda_Odyssey.h...
by Mrxyz
Wed May 27, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Need bike hitch and rack for Honda Odyssey 2011
Replies: 8
Views: 539

Need bike hitch and rack for Honda Odyssey 2011

Any suggestions or recommendations? Planning for 2 inch size Not sure if I need to to thru dealer who quotes $400 for parts and $200 for labor Not sure if any warranty issue at stake - the dealer said no - but not sure as some site mention that the transmission warranty is void if the hitch is not i...
by Mrxyz
Wed May 27, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 3427

Re: Window replacement -- Renewal by Andersen?

Try Milgard windows if possible. They have lifetime warranty for the first owner at least.
by Mrxyz
Thu May 21, 2015 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Apply Medical school advice
Replies: 17
Views: 2057

Re: Apply Medical school advice

As an interviewer, I wonder if he is prepared to answer the question of how playing computer games improves his application as compared to the next applicant who has no experience. In my personal view, with the increasing involvement of informatics in medicine, I think it is a positive atribute and ...
by Mrxyz
Fri May 15, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Ibond vs Van.Inter.term.tax.exempt.fund(VWITX) for Efunds
Replies: 9
Views: 1029

Re: Ibond vs Van.Inter.term.tax.exempt.fund(VWITX) for Efunds

I've just now bought a version of VWITX, but wouldn't use it for Efund. Duration is 4.8 years, which gives you more principal risk than I'd want in emergency fund. There is no way to avoid low rates and keep principal safe. Online savings accounts maybe best way to go. I just accumulate more in che...
by Mrxyz
Fri May 15, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ibond vs Van.Inter.term.tax.exempt.fund(VWITX) for Efunds
Replies: 9
Views: 1029

Ibond vs Van.Inter.term.tax.exempt.fund(VWITX) for Efunds

Hi, I have I bonds for my E fund and found it practically impossible to teach DW to access the account in trial runs!! So I was looking for other options. Is VWITX a good option? I am trying to keep it simple but do not want the low rates offered at banks. On the other hand, with my (investable/liqu...
by Mrxyz
Tue Apr 28, 2015 12:55 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 3782

Re: Quietest garage door and opener

ralph124cf wrote:The R value can matter a lot--but only if you have a heated garage that is also insulated.

Ralph


My garage is not heated but definitely the doors gaps on the sides need to be sealed.
by Mrxyz
Tue Apr 28, 2015 12:54 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 3782

Re: Quietest garage door and opener

Bypass the whole chain vs. belt debate and go straight to the jackshaft approach. A bit more expensive, and doesn't work on all garage doors (needs torsion bar, maybe other restrictions), but it's the quietest one I've ever had. All you hear is the clickety-clack sound of the rollers on the track, ...
by Mrxyz
Mon Apr 27, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 3782

Re: Quietest garage door and opener

It is almost time to replace and I am looking for the quietest garage door and opener available. I have reviewed prior posts but none specifically talk about lowest noise levels. I concur with others. Go with the belt driven doors rather than chain driven doors but you give up comfort for longevity...
by Mrxyz
Sun Apr 26, 2015 11:20 pm
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 3782

Quietest garage door and opener

Hi I have 3 car garage with the 2 car garage door which needs replacement. The current version is very noisy and creaky despite oiling. The door itself has rot at the bottom which I have repaired and kept it working. It is almost time to replace and I am looking for the quietest garage door and open...
by Mrxyz
Fri Mar 27, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Best portable mattress/bed?
Replies: 12
Views: 1420

Re: Best portable mattress/bed?

Aerobed makes a high quality queen size with an attached headboard which prevents yours pillows from falling off. Costco carries this item. Comes with self-contained electric pump. http://reviews.costco.com/2070/11621583/aerobed-aerobed-comfort-anywhere-18-air-mattress-with-headboard-design-reviews...
by Mrxyz
Fri Mar 27, 2015 8:06 am
Forum: Personal Consumer Issues
Topic: Best portable mattress/bed?
Replies: 12
Views: 1420

Best portable mattress/bed?

Hi,
We are looking for portable bed/mattress to use when family comes over. Something which can be folded/ rolled over would be nice but also it needs to be comfortable enough for adult use. Any suggestions or recommendations?

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