Search found 905 matches

by Quickfoot
Wed Jul 19, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 2008 auto carry collision with 1K deductible?
Replies: 9
Views: 555

Re: 2008 auto carry collision with 1K deductible?

Nissan Maxima 2008 in good condition and 52K mileage, internet look up says it may be worth $5-$6 thousand tops battery, brakes, standard maintenance are the main expenses car used for local driving, no long distance trips anticipated, our only vehicle, expecting/hoping to last maybe 5+ more years ...
by Quickfoot
Wed Jul 19, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2179

Re: 18 year old first credit card recommendations

I'd recommend she get a secured credit card with a limit of not more than $500. That way if she goes crazy the card can be closed and paid off with the deposit, many credit unions also will do secured loans against a CD with VERY low interest that help build credit.
by Quickfoot
Wed Jul 19, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Car Wash Pass worth it?
Replies: 15
Views: 849

Re: Car Wash Pass worth it?

Car wash passes can make a lot of sense in several situations: #1 You have a dark colored car that needs frequent washing #2 You want your car to look clean and impressive at all times #3 You get 3+ washes in a month, basic unlimited passes are usually about the price of 3 regular washes #4 It REALL...
by Quickfoot
Tue Jul 18, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Family Tents
Replies: 10
Views: 930

Re: Family Tents

Get an 8 to 10 person tent, they size them basically shoulder to shoulder in sleeping bags and do not account for air mattresses or personal space. Regarding brand how often will you use it and in what weather? If it's once or twice a year in summer heat it probably doesn't matter what brand you get...
by Quickfoot
Tue Jul 18, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1291

Re: Car braking on downward slopes

What is the definition of riding the brakes? I thought it would be when you are on a road with a lot of curves (such as SF's Lombard Street) and you keep hitting the brakes often is what it means; however, if I am going down one long incline and I brake once and keep the brake pressed to stop the c...
by Quickfoot
Tue Jul 18, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1291

Re: Car braking on downward slopes

The computer isn't going to let RPM get to a harmful range for the transmission, it's better to let the transmission control your speed because continually breaking down a hill can overheat brakes, cause premature wear and even cause braking failure, this is especially true when people "ride&qu...
by Quickfoot
Sun Jul 16, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 13857

Re: Roll call Warren Buffet 90/10 portfolio

I always find it interesting that threads like this always seem to pop up when the market is at new highs. I'll take my hat off to the person that espouses their 90/10 portfolio when we are in the jaws of a bear market plummeting down -50%. The Dow is consistently opening at a -500 and the news is ...
by Quickfoot
Sun Jul 16, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 13857

Re: Roll call Warren Buffet 90/10 portfolio

Just curios if any of you are doing the Warren Buffet 90/10 S&P 500 & Short-term Government Bond portfolio or at least something equivalent. For myself, I do the Vanguard 500 for the stock section, but for the other part I just do High Yield Savings Account/iBonds/No Penalty CD's. What abou...
by Quickfoot
Sun Jul 16, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 6618

Re: 90:10 AA - what don't you believe about it?

Buffett's concept of risk is different from folks like us who don't have that long a timeframe and, as many in this thread have pointed out, the behavioral disposition. Here's an excellent article on this issue: Contradicting Warren Buffett: When Volatility is Risk . Buffet also has the ability to ...
by Quickfoot
Sat Jul 01, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12798

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

If 10 years is too old, how often do people buy new cars? Mine is approaching 10 years and shows no sign of age other than a nick or two. It only has 80,000 miles on it - I figure it is good for another 80K easily. yes, we already have a 9+ year old (53,000 miles) that can (we hope) do another 5 ye...
by Quickfoot
Sat Jul 01, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12798

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

I completely disagree with this. Almost nobody should buy a ten-year-old car, unless fixing it is a hobby and downtime doesn't matter. You do realize the vast majority of cars built in the last 10 years are going to easily do 10-15 years without major problems right? Ford for example expects the po...
by Quickfoot
Tue Jun 13, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Experience with HTTPS Everywhere?
Replies: 10
Views: 916

Re: Experience with HTTPS Everywhere?

It basically just makes sure you load the encrypted version of a website if HTTPS is available and the extension knows about the site. Websites could load a small amount slower as there is a little overhead in HTTPS encryption, mostly on the server side but most large websites have hardware that acc...
by Quickfoot
Mon Jun 12, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5836

Re: Have you canceled cable?

We are mid thirties and haven't had a land line for eight years and cable for four and haven't missed either. I absolutely hate TV and view it as the biggest waste of life that we have invented (so far) however my wife really enjoys TV. We've used HULU and Netflix with Apple TV and Roku (the family ...
by Quickfoot
Mon May 15, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1581

Re: Quality decline in off-brand alkaline batteries?

Consumer Reports tests and grades batteries, Duracell is generally best, but Kirkland is also very good and at a great price point.
by Quickfoot
Sun May 14, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 3951

Re: Costco Kirkland Signature Cookware vs Calphalon?

We have the Costco Signature Cookware and have been very pleased, they are very high quality for the price and have stood up well to being put through the dishwasher. Costco generally requires at least as high as quality as the leading competitor for branded products. If anything I would say the Cos...
by Quickfoot
Sun Apr 23, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2906

Re: Alaska cruise advice

The SO and I are looking at taking a cruise to Alaska this year. She's been on several cruises; this would be my first time. We haven't been to Alaska before. Searching the board, it looks like there are quite a few experienced Bogleheads who may be able to help with some questions: 1. Cruise line ...
by Quickfoot
Sun Apr 23, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 32
Views: 5959

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

I've always found GoFundMe to be somewhat tacky. They do take a cut of all donations in exchange for the ease of donations and collecting via CC. It bothers me when people set them up without the permission of family. We had several police officers killed in our area and these things popped up taki...
by Quickfoot
Sun Mar 12, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: Asset Placement Turned Upside Down, Bonds in Taxable?
Replies: 51
Views: 4374

Re: Asset Placement Turned Upside Down, Bonds in Taxable?

I've actually thought about this a lot, I think if you are comfortable with tax exempt bond funds it can make a lot of sense.... OK depending on your state and federal tax rate and if you are unconcerned with negative correlation with equities in times of stock market stress. Federal tax rate doesn...
by Quickfoot
Sun Mar 12, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: Asset Placement Turned Upside Down, Bonds in Taxable?
Replies: 51
Views: 4374

Re: Asset Placement Turned Upside Down, Bonds in Taxable?

I've actually thought about this a lot, I think if you are comfortable with tax exempt bond funds it can make a lot of sense. Tax exempt bond funds throw off respectable yields AND their NAV doesn't increase very much so if you had to sell capital gains would be pretty minimal. They also tend to be ...
by Quickfoot
Sun Mar 12, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 49
Views: 4008

Re: $200 Emergency Visit Copay Waiver?

Thanks for proving my point. As I said before, hospital costs are greatly under-estimated by the general public. BTW, Non-profits can make a profit. Same for health insurance, people like to think health insurance companies are raking in money but since ACA most have been losing money and in a good...
by Quickfoot
Sun Mar 12, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 7828

Re: About to retire and need to realize 5%/year to live on.

Sounds like you should consider a SPIA, even in today's environment you should be able to get about 6% guaranteed for the rest of your life. At a minimum calculate the minimum you need and get a SPIA for 20-25% more than that (don't go for inflation adjusted it typically isn't worth it) and invest t...
by Quickfoot
Fri Mar 10, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 6982

Re: 2017 Honda Civic not recommended by Consumer reports

Instead of looking at reliability of a single year / model of car which is unreliable look at the long term reliability of the brand as a whole. Dodge /Chrysler / Jeep are horrible, Ford & Chevy are decent, Honda / Toyota are well above average and Audi then Lexus are generally at the top. I wou...
by Quickfoot
Tue Mar 07, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5872

Re: Car engines. Turbo vs no turbo

Any modern car should easily make 100k miles, it just isn't very many miles. Over all brands the average before major problems few years ago was 150k for cars and 200k for trucks and that's probably gone up. The general rule is simpler designs last longer and have fewer problems and that extends to ...
by Quickfoot
Tue Mar 07, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: How long does car lasts and for how long should I build a CD ladder
Replies: 25
Views: 1977

Re: How long does car lasts and for how long should I build a CD ladder

On average well maintained passenger cars go 150k miles without major power train problems and trucks do 200k. That's an average of all brands, Lexus has best reliability generally but Toyota and Honda also have above average and could be expected to do more a lot more than 150k if taken care of.
by Quickfoot
Tue Mar 07, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Farmers vs GEICO
Replies: 5
Views: 688

Re: Farmers vs GEICO

Geico is outstanding, I've been with them for 16 years for auto coverage and had several claims including hitting a deer, backing into my truck, and being hit by other people. Farmers is also pretty good, I had renters insurance through them for a while and never had a claim but customer service has...
by Quickfoot
Tue Mar 07, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 8524

Re: How much do you spend on food in a year?

I knew it wasn't my fault! :twisted: It literally isn't, to make behavioral change you have to eliminate the opportunity to make a bad decision. That's why dieting doesn't work if you still have unhealthy food in the house, and why balanced funds are often better choices (for nearly everyone). For ...
by Quickfoot
Tue Mar 07, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 8524

Re: How much do you spend on food in a year?

Can you share your tips? I've got a family of 5 (my kids are about 3-4 years younger than yours) and I can't get under $1,000. Thanks! #1 choose what you think is reasonable for your food budget and get a prepaid debit card or setup a checking account JUST for groceries and transfer money into it e...
by Quickfoot
Tue Mar 07, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 5686

Re: Buying a rental car.. Any new experience?

Over the first 20-30K that's often true but the next 20-30 not so much and you'd be surprised how few people change their oil regularly. Manufacturers recommend very little maintenance these days in general but that doesn't mean it isn't necessary. In addition to doing the maintenance rental compani...
by Quickfoot
Tue Mar 07, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9545

Re: Is the Vangaurd Balanced Index Fund all you need?

If the 60/40 asset allocation is right for you then yes, otherwise consider the 40/60 balanced fund or another balanced fund with an asset allocation that works for you. For the average American a balanced fund is ideal. It automatically rebalances which protects people from not having the "gut...
by Quickfoot
Tue Mar 07, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 2138

Re: Need help picking term life policy

The twenty year policy is probably the better choice, at 34 I replaced my 30 year policies with 20 year policies and was able to significantly increase coverage and save a little money. I have a 1.5M policy benefiting my wife (would replace about 11 years income) and a 750K benefiting my 9 year old ...
by Quickfoot
Tue Mar 07, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 8524

Re: How much do you spend on food in a year?

We are a family of five (two adults and 9, 10 and 13 year old children) and have a $500 a month food budget, we use a little less than that most months. Dining comes out of the general budget and we probably spend about $800 a year on general dining out which is almost always just my wife and I. Occ...
by Quickfoot
Tue Mar 07, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: What degree of stock market decline would tempt you to deviate from your AA?
Replies: 87
Views: 6572

Re: What degree of stock market decline would tempt you to deviate from your AA?

A 30-40% crash would tempt me to deviate from my AA but not in the way most people would, instead of becoming more conservative at around a 40% drop I'd become more aggressive if I were in the saving phase. If I were in retirement I would not change asset allocation at any amount of decrease, though...
by Quickfoot
Tue Mar 07, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 5686

Re: Buying a rental car.. Any new experience?

I just purchased a CPO that was originally a rental car so my warranty comes from the manufacturer. Buying rental cars is a good overall strategy because the rental companies maintain their vehicles much better than most private owners do. Remember more than likely you'll have an electronics failure...
by Quickfoot
Wed Jun 22, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying or leasing new car
Replies: 2
Views: 498

Re: Buying or leasing new car

Leases are available up to 20k miles per year though at that mileage buying can make more sense. Most manufacturers allow you to get a lease calculation on their own website.
by Quickfoot
Wed Jun 22, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 3117

Re: An actual book on LastPass?

In the future we won't have to deal with this problem anymore as authentication will be all biometric. This is doubtful, biometric is extremely insecure, easily hacked and doesn't increase security but it does increase the rate of dismemberment. Multi-factor authentication is becoming more prevalen...
by Quickfoot
Wed Jun 22, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 3117

Re: An actual book on LastPass?

I agree a book isn't necessary, it's basically a browser extension that auto populates form fields and stores the passwords in the cloud, encrypted by your master key. The nice thing about it is that it allows you to use different strong passwords for each website so if a data breach occurs ONLY tha...
by Quickfoot
Wed Mar 30, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Refinancing to 30 years ?
Replies: 5
Views: 787

Re: Refinancing to 30 years ?

Unless the house is seriously underwater or it is not practical to sell do NOT get into a negative cash flow rental situation. Historically house appreciation BARELY keeps up with inflation and there are long periods of time it doesn't even do that. Rentals generally ONLY make sense when they are ca...
by Quickfoot
Wed Mar 02, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Financing new car
Replies: 28
Views: 3199

Re: Financing new car

At 1.49% interest I'd finance the whole thing, you are almost guaranteed to exceed that with any reasonable asset allocation and the overall interest cost is minimal. It doesn't make sense to pay things off or pay cash in full until you are above 4-5% interest with no tax deduction or even maybe 6-8...
by Quickfoot
Wed Mar 02, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Statement
Replies: 3
Views: 664

Re: Social Security Statement

During 2011 and 2012 there was a temporary decrease of social security tax for employees but not employers, during this time employees only paid 4.2% and employers continued paying 6.2% so that could account for some of the difference. The social security tax decrease was meant to be an economic sti...
by Quickfoot
Wed Mar 02, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Computershare
Replies: 20
Views: 3630

Re: Computershare

It might depend on the plan or perhaps I just got lucky. Last week I old some shares from a stock purchase plan I forgot I'd participated in that was run by Computershare, the sale executed within an hour of requesting the sale.
by Quickfoot
Mon May 18, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: Teaching 8 year old about stock market...
Replies: 22
Views: 2246

Re: Teaching 8 year old about stock market...

Use a 1 month one or 1 week one and a 10 year one. It shows that over long term growth tends to be positive but in the shorter term there can be a good amount of volatility. So long as the investments are well diversified and you don't immediately need the money short to medium term price movements ...
by Quickfoot
Mon May 18, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: Teaching 8 year old about stock market...
Replies: 22
Views: 2246

Re: Teaching 8 year old about stock market...

Do a well diversified index fund instead of a single stock, you can buy ETFs from iShares that allow you asset allocations similar to Vanguard's LifeStrategy funds and ETFS don't have a fund minimum. My now 7.5 year old has owned stocks / bonds since she was 4. She has also understood what they are ...
by Quickfoot
Fri May 08, 2015 11:52 am
Forum: Investing - Theory, News & General
Topic: If you worry about a correction, you shouldn't own stocks
Replies: 50
Views: 7612

Re: If you worry about a correction, you shouldn't own stocks

Completely agree not everyone should be invested in equities. Worry might not quite be the right word, we all worry as evidenced by various asset allocations and personal risk tolerance. I think if the possibility of a correction causes abnormal anxiety you either shouldn't hold equities or you shou...
by Quickfoot
Fri May 08, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: If you worry about a correction, you shouldn't own stocks
Replies: 50
Views: 7612

Re: If you worry about a correction, you shouldn't own stocks

Worry might not quite be the right word, we all worry or we wouldn't take risk tolerance quizzes and hold various asset allocations. I think if the possibility of a correction causes anxiety you either shouldn't hold equities or you should adjust your asset allocation. Definition of anxiety: "a...
by Quickfoot
Thu May 07, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do Updates to Home Increase Market Value?
Replies: 32
Views: 3636

Re: Do Updates to Home Increase Market Value?

A poor comp is just based on age of house, bedrooms and square feet. A good comp is going to be against comparable homes which means if yours has been upgraded the properties it is compared against should be as well. They also should tell you how many days those properties stayed on the market, if y...
by Quickfoot
Thu May 07, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do Updates to Home Increase Market Value?
Replies: 32
Views: 3636

Re: Do Updates to Home Increase Market Value?

Remember it's easier to accept less money than ask for more. The big thing is you don't want to price buyers out of even wanting to look at your home and you don't want to have to drop the price too quickly because that will show desperation. There's nothing wrong with asking for 185 or 190K and hav...
by Quickfoot
Thu May 07, 2015 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bad time to buy bonds?
Replies: 15
Views: 3398

Re: Bad time to buy bonds?

It also matters what are you are using them for and what stage of life you are in: if you are trying to live off yield you are in a very different situation than someone like me who primarily owns them because they behave differently than equities. Only 20% of my portfolio is in bond funds and that ...
by Quickfoot
Thu May 07, 2015 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bad time to buy bonds?
Replies: 15
Views: 3398

Re: Bad time to buy bonds?

So many people being worried about buying bonds actually encourages me to buy them. My asset allocation is 80/20 and I'll keep that allocation regardless of what bonds or equities do or what people are afraid they might do (they are usually wrong anyway). I've also not shortened my bond duration and...
by Quickfoot
Thu May 07, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: why is my android phone full?
Replies: 20
Views: 4416

Re: why is my android phone full?

Misc files includes the system image, it has 16 gb of memory and a portion of that is used for Android, anything the manufacturer pre-loads, etc. The same thing happens with Microsoft and Apple devices and yes even Cyanogenmod (I've run it for years) it just reports the usage differently and Cyanoge...
by Quickfoot
Thu May 07, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: What to do with 1940's refrigerator that still works?
Replies: 37
Views: 8448

Re: What to do with 1940's refrigerator that still works?

The fridge is probably worth far more than $50. I'd have it appraised and see what it can be sold for.

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