Search found 492 matches

by NateH
Fri Aug 19, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 1807

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

The Pilot is most like the Toyota Highlander, which are both the same sized large SUVs based on car platforms. The 4runner is based on a truck platform and rides differently. The much smaller RAV4 is the toyota version of a Honda CRV. They are all good cars. All my friends with children regret gett...
by NateH
Wed Jun 15, 2016 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: 30 y/o Looking to Rebalance
Replies: 5
Views: 622

Re: 30 y/o Looking to Rebalance

With only a 5% discount, i would stop any future contributions to the ESPP entirely.

this helps you accelerate building the emergency fund and reduces your % allocation to your company stock at the same time.
by NateH
Sun May 01, 2016 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on getting my daughter started with investing
Replies: 16
Views: 1664

Re: Suggestions on getting my daughter started with investing

ccualumni wrote:Thank you all for such great advice. I was more focused on getting her started than looking more at the big picture.


you could always give her a present
http://www.amazon.com/Coffeehouse-Inves ... 159184584X
by NateH
Sun May 01, 2016 11:46 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 9478

Re: Selling in May and Walking Away?

I wonder what Sudhi is up to these days... this character is from before my time (going back to the diehards days), so i couldn't resist a little folkloric research. s/he showed up here after the move and started a couple of... interesting threads: The markets are in their unfavorable season! The p...
by NateH
Thu Apr 28, 2016 11:16 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 9478

Re: Selling in May and Walking Away?

I wonder what Sudhi is up to these days...
by NateH
Mon Apr 11, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 15343

Re: Are Bogleheads too conservative?

I would argue that a 100% stocks is something a lot of people can handle once they understand the risk and the expected downturns. Many posters can attest to that. Many poster can also attest to the opposite. It's a personal choice. You would recommend 80/20 to the same individual I would recommend...
by NateH
Mon Apr 11, 2016 12:05 am
Forum: Personal Consumer Issues
Topic: Pay TV channels - streaming only
Replies: 15
Views: 2108

Re: Pay TV channels - streaming only

i was able to watch all of the NCAA college baseball tournament on Sling without Cable. it was awesome, and i have since canceled.

have you tried Amazon prime?
we've been using it for years and have been satisfied customers.

kids programming, movies for mom & dad; happy.
by NateH
Sun Apr 10, 2016 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 76
Views: 10480

Re: Friend is an Edward Jones financial advisor -- should I drop him?

Mixing friendship and money generally leads to regret. You don't need advisor ; just stick to Bogleheads tenets and manage your own finances. I love how the answer is ALWAYS "you don't need an advisor". That wasn't his question. He's already explained that he found value in having someone...
by NateH
Sun Apr 10, 2016 11:30 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 15343

Re: Are Bogleheads too conservative?

On median, yes. I believe we do new and young investors a disservice by advising them to accommodate their weakness rather than by equipping them to be strong. +1, the young investor needs the growth. Agreed. I am 31 and I even feel 20% bonds is conservative. I couldn't agree more. In my opinion th...
by NateH
Sun Apr 03, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: I buy $275 of stock 2x / week. Is such frequent buying bad?
Replies: 18
Views: 1982

Re: I buy $275 of stock 2x / week. Is such frequent buying bad?

It all depends on what you consider to be a 'huge problem" you have a large pile of tax records to keep, possibly for a very long time. Might want to ask VG how many lots their software will let you sell at one time without having a melt-down. You may be placing multiple sell orders all afterno...
by NateH
Sun Apr 03, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Ameriprise
Replies: 5
Views: 403

Re: Question on Ameriprise

You are correct, unless the friend wants to set up another way to pay the advisor for their advice and invest through the Ameriprise Brokerage Platform or some other investment provider.
by NateH
Tue Mar 15, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Pantry and fridge inventory solution
Replies: 17
Views: 1912

Re: Pantry and fridge inventory solution

We use Out Of Milk, and it works very well. Nice for shared grocery lists and tracking when things are out of stock... https://play.google.com/store/apps/details?id=com.capigami.outofmilk I'm another out of milk user. works for us. if we use something up, just scan the bar code and its on the list ...
by NateH
Mon Mar 07, 2016 12:15 am
Forum: Personal Finance (Not Investing)
Topic: How much should a 40 year old have saved for retirement?
Replies: 41
Views: 7690

Re: How much should a 40 year old have saved for retirement?

you should be approaching a million bucks.

NateH-Age 41.
by NateH
Fri Feb 26, 2016 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: personal finance class for teen
Replies: 6
Views: 718

Re: personal finance class for teen

Nothing better than learning by doing - Open an on-line savings account with him at Ally Bank, have him put as much money in every month as he can, Ally pays monthly 1% interest and he can see it grow every month by logging in on line :greedy :moneybag Now it's true, it won't be much money, but he'...
by NateH
Fri Feb 26, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Going to 30/70 (Target Retirement Income Fund) at age 33?
Replies: 44
Views: 5502

Re: Going to 30/70 (Target Retirement Income Fund) at age 33?

I think I will follow the advice to slowly taper down and see how I feel, but 50/50 might actually be the sweet spot for me, 30/70 may be a bit too drastic. 50/50 is as low as I could recommend for someone 33yo, who has taken the 2016 losses this far without selling. I'd say you are taking a though...
by NateH
Thu Feb 04, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 7794

Re: Sibling's destination wedding?

If being a boglehead means virtual hand-wringing over cracking open the piggy bank a bit to see your sibling get married, then I'm not sure i want to be a boglehead anymore.

live to save or save to live ?
by NateH
Thu Feb 04, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 7794

Re: Sibling's destination wedding?

will there be an open bar? :sharebeer
by NateH
Tue Feb 02, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 3462

Re: Manual can opener recommendation

I really like the Zyliss. After closing down on the can, it locks on and you can lift it off the surface without any effort or worry that it could slip off and fall . I also bought one for my elderly parents who were used to the traditional style (the really old ones, plus the style that came out i...
by NateH
Tue Feb 02, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Babysitter not providing SSN
Replies: 74
Views: 8876

Re: Babysitter not providing SSN

She understands it is her liability to declare her income to IRS etc. Au contrair mon fraire. Presumably you will pay her more than $2000 in 2016, and then it becomes your responsibility to withhold and remit FICA taxes. I believe you will also need to submit a W3 and provide her with a W2. Check o...
by NateH
Thu Jan 28, 2016 1:11 am
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 1237

Re: Water softener water overflow issue

Thanks @NateH So, when out of town with water off, should I unplug it or do something else? Thanks! Blitzer - It doesn't matter. With no water pressure, the softener cannot do anything. It will not soften water than is not flowing through it & it cannot recharge without pressure to pull the bri...
by NateH
Wed Jan 27, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Anyone driven Oregon to Chicago in Jan-Feb?
Replies: 25
Views: 1802

Re: Anyone driven Oregon to Chicago in Jan-Feb?

Speaking for the Minnesota & Wisconsin part of I90 / I94, you will have no issues. Just be aware of the weather and match your speed to the conditions. Millions of us live around here, and we do drive our vehicles in the winter. :wink: Bring a good pair of polarized sun glasses. Driving through ...
by NateH
Wed Jan 27, 2016 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Re-buy after TLH? First timer!
Replies: 12
Views: 1357

Re: Re-buy after TLH? First timer!

I wouldn't rush to get back, unless you don't mind the tax paperwork of sales every 31 days until the international market turns around.
They basically track one another 100%.
by NateH
Wed Jan 27, 2016 10:20 pm
Forum: Investing - Theory, News & General
Topic: Entire Portfolio Expense Ratio
Replies: 41
Views: 2510

Re: Entire Portfolio Expense Ratio

0.107%
by NateH
Thu Jan 21, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Screwed up tax loss harvesting
Replies: 17
Views: 1285

Re: Screwed up tax loss harvesting

pduan87 wrote:
So just wondering what others have done in this situation.


do an Exchange instead of a Sale.
by NateH
Thu Jan 21, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 8573

Re: What was your biggest unexpected home expense?

cheese_breath wrote:Needed to replace the dishwasher. That's not the unexpected part.

When we replaced it we discovered the color was being phased out, so naturally DW said we have to replace the stove and fridge too so everything would match. :oops:


been there :oops:
by NateH
Thu Jan 21, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 1237

Re: Water softener water overflow issue

I am not sure I understand how the water softener works. I never saw one before I moved into my new house last year. I would appreciate any insights and solutions. I have water overflow from the brine tank almost every day. I see a pool of water around the softeners. Even though the water level in ...
by NateH
Thu Jan 21, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 1237

Re: Water softener water overflow issue

I had once replaced my watersoftener with one at Sears. Everything worked fine several years. When 6 years old it stopped and I read the manual, got it working again, had an expert come, etc. Finally a group of experts said it was OK, but it was not using up the salt. So I shut it off and had hard ...
by NateH
Thu Jan 21, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 1237

Re: Water softener water overflow issue

I don't want to hijack this thread, but my question probably doesn't warrant its own thread. I'm leaving my house for an extended period of time and will turn the water off. Can I just unplug the water softener and that's it? There should be a bypass valve on the softener. By switching it over, it ...
by NateH
Wed Jan 20, 2016 11:17 pm
Forum: Personal Consumer Issues
Topic: frost on windows - any experts (or people who have dealt with this)? Images inside!
Replies: 27
Views: 3314

Re: frost on windows - any experts (or people who have dealt with this)? Images inside!

I don't think you have anything to worry about. turn up the thermostat if it really bothers you. If those rooms have ceiling fans, turn them on to circulate the air a bit more. I have a large picture window that forms an egg shaped condensation in the center of the glass, on the inside when the temp...
by NateH
Mon Jan 18, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 87
Views: 13721

Re: Memory foam mattresses - any insight?

Don't know if its available in your area, but we have been very satisfied with our Original Mattress Factory Serenity foam bed. After a few years on it, my chiropractor appts have gone down and we sleep great. no problems with sleeping too hot. we 'tested' all of the Tempurpedic models and found the...
by NateH
Fri Jan 15, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 6041

Re: What's your company 401k contribution

Last year I put in 6% and the company put in 10% for a total of 16%. Half of that company contribution is in exchange for not joining the pension plan when i was hired (5% of salary each year). Instead i get to manage it myself. Unfortunately, they just moved the plan from Vanguard to AON. :( My spo...
by NateH
Mon Jan 11, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: my final look at 2015 sure things
Replies: 11
Views: 1862

Re: my final look at 2015 sure things

good stuff - thanks for keeping track of these year after year.
Any hints what the "Sure things of 2016" are?
by NateH
Thu Oct 29, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Heart pacemaker patient forum
Replies: 3
Views: 432

Re: Heart pacemaker patient forum

http://www.pacemakerclub.com Our purpose is to help cardiac pacemaker, implantable cardioverter defibrillator (ICD) and cardiac resynchronization therapy (CRT) recipients meet, share information and support each other. Membership is free and over 26,000 pacemaker, ICD and CRT patient and loved-one s...
by NateH
Fri Sep 11, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Features for a new toilet
Replies: 33
Views: 3451

Re: Features for a new toilet

American Standard Champion Series, Elongated, Comfort Height. The best :dollar200 I spent 5-6 years ago. The thing to look for is a toilet with a simple flush, ours has the old school flapper but its like 3" round, works like champ, it came from Home Depot. Its a two piece, if they have a sing...
by NateH
Thu Sep 03, 2015 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: is it worth buying ESPP?
Replies: 30
Views: 2522

Re: is it worth buying ESPP?

no look-back + mandatory 1-year holding period = pass

buy TSM.
by NateH
Wed Aug 05, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 4338

Re: Comcast wants me to buy a new modem (I think)

They want you to upgrade because its easier on them/their system. If you aren't paying for the super blazing mega fast hair-on-fire service, you won't get any benefit by upgrading your modem. I had a Doc3.0 modem but fried it during a lightning strike outside the house. switched back to my old modem...
by NateH
Wed Aug 05, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 71
Views: 6243

Re: Frustrated with low raise

Tell boss man that you want a promotion.
Demonstrate that you have performed at the next level.

If hes smart, he'll realize you can get the promotion internally or externally.
by NateH
Mon Aug 03, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX for Emergency Fund
Replies: 10
Views: 1382

Re: VBILX for Emergency Fund

I hold the intermediate-term muni fund, VWITX in taxable for part of my 'emergency funds'. I would expect VBILX to be similar.
It's worst annual return was -1%. I figure that I can absorb a 5% or 10% loss if that day came, so it works for me.
by NateH
Mon Jul 13, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Voyageurs National Park Vacation
Replies: 11
Views: 1378

Re: Voyageurs National Park Vacation

http://www.nps.gov/voya/planyourvisit/b ... torage.htm

Black Bears mostly wreck stuff, looking for food.
by NateH
Fri Jun 26, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 22639

Re:

nisiprius wrote:We buy our cars at issue and hold them to maturity, and I don't think the price fluctuation in between matters much.


This is awesome. <slow clap>
by NateH
Fri Jun 26, 2015 8:46 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 6199

Re: Did 2008 change your investing strategy?

It may have temporarily changed my fund balances, but no change to strategy at all.
by NateH
Fri Jun 26, 2015 8:43 am
Forum: Investing - Theory, News & General
Topic: Has anyone noticed the Japanese stock market lately?
Replies: 15
Views: 2668

Re: Has anyone noticed the Japanese stock market lately?

It can't keep going down forever. Guess that's true. Once it reaches zero, the market closes and never re-opens. :D :beer Clearly, you are not familiar with an Asymptote https://en.wikipedia.org/wiki/Asymptote to OP, i noticed that i had had to dump less money into PAC index this year during re-bal...
by NateH
Thu Jun 25, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 36
Views: 3393

Re: Home renovation funding

"This time is different"...
by NateH
Tue Jun 23, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 50
Views: 9659

Re: 30 years old / Missed the bull run

2) what sort of emergency fund does everyone recommend to cover market conditions to ensure I never touch my money? thanks everyone! Not knowing what your definitions of Spending and Expenses are, i would guess 6-months worth of something between .333 and .667. In an emergency, you can always cut s...
by NateH
Tue Jun 23, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 31148

Re: What was the 2008 crash like in real time?

This wasn't a part of the stock market crash, but related. Families selling or moving up in the housing market got trapped as they home equity evaporated. Some unlucky ones could have sold their home for a profit early in the decline, but - hoping for a few thousand more - followed the housing marke...
by NateH
Mon Jun 15, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: Momentum across time and asset classes
Replies: 40
Views: 5858

Re: Momentum across time and asset classes

It must be harder than it sounds. Source: Morningstar Blue, Vanguard Total Stock Market Index Fund, VTSMX Orange, AQR Large-Cap Momentum Fund, AMOMX http://s4.postimg.org/q5nql727x/Captura_de_pantalla_2015_06_14_a_las_9_28_59_AM.png Maybe the problem is large-cap, let's try a small-cap momentum fun...
by NateH
Mon Jun 15, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 24659

Re: How/where to get rid of old gasoline

Cities might have a 1X per year clean-up, but if you call the county or state, you might find a facility that is open all year.
by NateH
Wed May 13, 2015 11:22 pm
Forum: Personal Consumer Issues
Topic: Can a room with only a toilet be considered a bathroom?
Replies: 28
Views: 3455

Re: Can a toilet alone in a room be considered a bathroom?

It could be listed as a 1/4 bath, but it is probably not vented correctly, so no one has claimed it as a proper plumbing fixture. The code on wet venting toilets are not what they used to be.

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