Search found 583 matches

by StevieG72
Sun Dec 10, 2017 8:02 am
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 18
Views: 1501

Re: Thank you Admins

+1

This site would not be what it is without the diligent, oftentimes thankless work of the moderators.
by StevieG72
Fri Dec 01, 2017 1:44 am
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 4520

Re: Are plasma TV's gone forever?

As an added benefit they will heat your home!

These should be a no brainer in cold climates...
by StevieG72
Wed Nov 29, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 147
Views: 15115

Re: A good friend has nearly $1M in BitCoin what do I tell him?

Roulette story I like roulette stories. Here is mine. I went into a casino only mildly wanting to gamble. Played $100, got down to $10 or so. Put it on two numbers, one of them being black 26 which my friend called. It hit, I then had $200. I decided to walk away up. My friend said to stay on black...
by StevieG72
Wed Nov 29, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Scammed by Enterprise Car Rental
Replies: 35
Views: 4196

Re: Scammed by Enterprise Car Rental

I would push back harder. Don't give up too easily. Email the corporate office, not the local branch, with specific details of your interaction with the branch. Let them know you feel that the branch was misleading and you expect a refund. You could pursue a credit card charge back, but it may not b...
by StevieG72
Wed Nov 29, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9364

Re: Why should I donate to my alma matter?

It's ok to stop donating if you no longer get warm and fuzzy feelings from doing so.

Once you donate once to any charity they will hit you up every year for eternity.
by StevieG72
Fri Nov 24, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Car on last legs - need advice on transferring tag ...
Replies: 20
Views: 1006

Re: Car on last legs - need advice on transferring tag ...

If you are getting a new car, get new tags to go with it.

Those old tags likely look old!
by StevieG72
Tue Nov 21, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4439

Re: Replace TVs with Smart Tvs or not?

Streaming device is the way to go if you are otherwise happy with your TVs.
by StevieG72
Tue Nov 21, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1112

Re: Daycare Parting Gift

Yeah, I would pass on that one.

While your heart is in the right place, some of the other gift suggestions would be better suited.
by StevieG72
Tue Nov 21, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1411

Re: FIOS contract up - Price Increase

I have passed on Fios for this reason. Price is reasonable until all of the discounts expire. Not crazy about adding more equipment to the exterior of my house either. Just got rid of an old landline phone box, utility company peak service power saver contraption, and cleaned up the old cable box. .
by StevieG72
Tue Nov 21, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1566

Re: Car Accident- challenge getting funds for repairs by responsible party/insurer

File a claim with Geico.

They will attempt to recover $ from responsible party, including your deductible.

If they are unable to do so, you likely would not have been able to either.
by StevieG72
Tue Nov 21, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned parent :(
Replies: 56
Views: 7329

Re: Concerned parent :(

My kiddo is 13. I just opened a Va. 529 this year. Funded $4,000 so far. May fund as much as $10k this year which is deductable from Va income tax return --> 3 different accounts 4k VTI, 2k International, 4k bond. Easy 60/40 portfolio. I plan on having her take out student loans and will help repay ...
by StevieG72
Sun Nov 19, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: iPhone vs Android longevity
Replies: 9
Views: 1006

Re: iPhone vs Android longevity

IPhone 6S here, always update software.

No issues with performance.

My last iPhone was replaced due to a hardware failure vs. software issues.

YMMV.
by StevieG72
Sun Nov 19, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 45
Views: 2945

Re: service life of (walk behind) lawn mower?

I surmise from this thread and others like it that the secret to lawn mower longetivity is to never change the oil. I bought a Honda HRX (great mower) this spring and have already changed the oil once or twice. This doesn’t bode well for me. I have a Ryobi that is 16 years old. I have changed the o...
by StevieG72
Fri Nov 17, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 2012

Re: RE sale: long close vs. bird-in-hand

And I have spent some time with and like the prospective buyers (don't know the others). Red flag. Business is business. "Bird in Hand" Every day, all day, every time. Take the win. j :D + 100 I was scrolling looking for Sandtrap’s reply. Considering his background in real estate, I would weigh his...
by StevieG72
Fri Nov 17, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15210

Re: Why pay cash for a car?

I paid cash for my last few vehicles for simplicity.

Had a cashiers check in hand to make the purchase, based on the out the door price negotiated prior to stepping foot in the dealership.

No finance charges, no extended warranty, no gap coverage, & no accessories.
by StevieG72
Mon Nov 13, 2017 7:50 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3449

Re: What's your weighted average expense ratio?

.06

I am trying to convince my friend with a larger portfolio than myself that fees matter. He is in denial.

I am hoping he will see the light soon. His portfolio is underperforming due to excessive cash holdings.
He quotes returns based on the 57% invested in stocks, ignoring the 43% in cash.
by StevieG72
Tue Nov 07, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2888

Re: DIY vs work extra and pay a pro

Some things I simply have to do myself because the task is so easy and it is too expensive to hire out. Brake job on car for example was $300 plus when it was a simple job, disc breaks all the way around. Part cost maybe $60 & job took about 30 minutes. I just replaced the faucets in my shower this ...
by StevieG72
Mon Nov 06, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 5677

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

1. Because if not enough people vote, they'll have to do it all over again (legal requirement). Next time, it will be even harder to motivate people to vote, so they'll have to spend even more money & be even more annoying . This will drive our costs up & chase investors away. 2. I voted. 3. I'd ra...
by StevieG72
Sun Nov 05, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: How to Label Plastic Boxes
Replies: 15
Views: 979

Re: How to Label Plastic Boxes

It could be the texture of the plastic that is not allowing the tape to adhere.

Try a permanent marker?
by StevieG72
Sun Nov 05, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Holding a mortgage for someone else - options?
Replies: 35
Views: 2339

Re: Holding a mortgage for someone else - options?

My advice would be don't do it.

Are you going to evict & take possession of this property if the family member doesn't pay?

It seems that you do want to be repaid, even upon death.

Do you really want the stress of dealing with this in your later years of life?

No good deed goes unpunished.
by StevieG72
Sun Nov 05, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: Contract on Home Question
Replies: 14
Views: 937

Re: Contract on Home Question

Is she using a Realtor? If so, this should be explained and advised upon by the Realtor. This is not a big deal, offers contingent on the sale of current home are common. While they are common, it adds unnecessary complexity for the seller. As a previous poster mentioned simply decline this offer. P...
by StevieG72
Sat Nov 04, 2017 3:08 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6302

Re: Spam calls to cell phone...

i have had success with actually listing to the message, many are robo calls and typically at the end there is an option to be removed from the call list. One particilarly annoying tactic is for charities to call random numbers and ask for a specific person. When you reply that they have the wrong n...
by StevieG72
Sat Nov 04, 2017 2:59 am
Forum: Personal Consumer Issues
Topic: Cruise to Bermuda in 2018 from Baltimore
Replies: 13
Views: 1067

Re: Cruise to Bermuda in 2018 from Baltimore

Maybe it came down to expectations for me. My first cruise was on Carnival and I expected little but was really surprised by the service and quality of food. When I sailed Royal Carribean, I expected more but was disappointed. That’s interesting - I have sailed two or three times on RC and generall...
by StevieG72
Fri Nov 03, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Cruise to Bermuda in 2018 from Baltimore
Replies: 13
Views: 1067

Re: Cruise to Bermuda in 2018 from Baltimore

I took the Grandeur of the Seas to Bermuda a few years ago. There was nothing grand about that ship. The ship, service, food, & amenities all fell short of my expectations. Hopefully the recent remodel / refurbishment improved the ship & amenities. Did you go from Baltimore? I cannot remember the s...
by StevieG72
Thu Nov 02, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Cruise to Bermuda in 2018 from Baltimore
Replies: 13
Views: 1067

Re: Cruise to Bermuda in 2018 from Baltimore

I took the Grandeur of the Seas to Bermuda a few years ago. There was nothing grand about that ship.
The ship, service, food, & amenities all fell short of my expectations.
Hopefully the recent remodel / refurbishment improved the ship & amenities.
by StevieG72
Wed Nov 01, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3581

Re: Car battery?

I like Optima batteries. Advance always has discounts for ordering online. A trickle charger is not a bad idea, I used one on my last vehicle especially when it was really cold. You can install a connector to the battery and just plug in the charger when needed. i just plugged mine in when we had se...
by StevieG72
Tue Oct 31, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Parked Car Hit and Need Advice
Replies: 16
Views: 2134

Re: Parked Car Hit and Need Advice

I think new cars attract damage! My new vehicle that I purchased in January has already had windshield replaced, hail damage, & most recently hit and run parking lot damage. Report it to your insurance company, they may file it under uninsured motorists coverage which typically has a lower deductibl...
by StevieG72
Thu Oct 26, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not discharging PMI?
Replies: 15
Views: 1958

Re: Bank not discharging PMI?

I would push back for them to follow the contract.
by StevieG72
Sun Oct 22, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: I believe one can beat the market with a simple contrarian strategy. Am I a fool?
Replies: 32
Views: 4078

Re: I believe one can beat the market with a simple contrarian strategy. Am I a fool?

Welcome to the forum. Your post is interesting, thank you for posting. The financial professionals that have dismissed your strategy may be underperforming the market! "It is difficult to get a man to understand something, when his salary depends on his not understanding it." - Upton Sinclair It sou...
by StevieG72
Mon Oct 16, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 3626

Re: Joined the 1 comma club today!!!

Congrats on reaching your goal!
by StevieG72
Sun Oct 15, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 2127

Re: contributing to friend's non-profit?

I would skip the fundraising event. If this person is a friend worth keeping, declining to contribute to this venture will have no impact. Often times giving once to any particular charity gets you on the list to be contacted for future donations. I have experienced the same thing, and feel the same...
by StevieG72
Sun Oct 15, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 36
Views: 2237

Re: Storing Lawn Tractor over the Winter

-Fuel stabilizer is the easiest option. I would recommend running it a bit after adding the stabilizer so that the carburetor has stabilized fuel in it. If the tractor has a fuel valve, you can turn it off, stabilize the fuel in the tank, and run the fuel out of the carburetor. It will be good to go...
by StevieG72
Sun Oct 15, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 4095

Re: HSA’s: What level of risk do you prefer?

I look at all of my investments as a whole.

Bonds are in my HSA for tax efficiency.
by StevieG72
Sat Oct 14, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1390

Re: Happy Consumer Story (Backpacking Tent)

Bennett trim tabs on my boat, I bought the boat used and had no clue when they were installed.

I had a problem with the control module and they sent me a new one.

They have a solid reputation for taking care of their customers.
by StevieG72
Sat Oct 14, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3666

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

S&P 600

Hindsight is 20/20, chasing performance is a good way to lose money.
by StevieG72
Sat Oct 14, 2017 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2401

Re: Selling Tradelines

Sounds very sketchy. Since you are adding them as an authorized user, what prevents them from charging on the card? They never receive a card. My concern would be a call to the card issuer from the authorized user to request card number or a physical card. I am assuming the card issuer will only do...
by StevieG72
Sat Oct 14, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 12
Views: 1284

Re: Auto Transport From Florida to Oklahoma.

My condolences for your loss. If you don't have any emotional/ sentimental attachment to this vehicle it may be best to donate it and take the tax deduction. If you really want it just do your due diligence on the brokers. A friend of mine purchased a sports car on Ebay sight unseen and had it trans...
by StevieG72
Fri Oct 13, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7745

Re: How many miles/years do you keep your car?

:sharebeer Just thinking about how much one can save from buying used car vs. new. I guess new car smell, instant gratification (new tech), luxurious feeling might be enough for some people to pay extra. I bought my first new vehicle this year. I had limited time since my previous car was totaled. ...
by StevieG72
Fri Oct 13, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Part time Job
Replies: 5
Views: 692

Re: Part time Job

Sounds like you are stretching yourself thin.

School, FT job, PT job, & 2 young kids, makes me tired just thinking about it!

I would give up the PT job and spend more time with the kids, they grow up fast!
by StevieG72
Fri Oct 13, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to diversify investments
Replies: 9
Views: 957

Re: Looking to diversify investments

Welcome to the forum! Sounds like a good target percentage for international. Vangaurd recommends 30-50% international. 40% may be the sweet spot. VGTSX is a good option. Some folks like to break international in to 3 sectors - Europe, Pacific, & Emerging Markets. I have done this previously but hav...
by StevieG72
Fri Oct 13, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2401

Re: Selling Tradelines

Sounds very sketchy.

Since you are adding them as an authorized user, what prevents them from charging on the card?
by StevieG72
Fri Oct 13, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7745

Re: How many miles/years do you keep your car?

I am shooting for 300,000 miles on my 2016 Toyota 4Runner! I will report back im a few years....

Was aiming for 200,000 on my last vehicle. Was totaled at 145,000 miles.
by StevieG72
Wed Oct 11, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2853

Re: Social Security Card - Should I get a Replacement

I too have been missing mine for decades.

No plans to replace it.
by StevieG72
Sun Oct 08, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 2168

Re: Most expensive gel car battery or cheapest? How often?

I think the Optima batteries are worth the extra money. Purchased an Optima Red for my SUV, it was a great battery and lasted many years. You can find coupons / discounts from Advance Auto. Order online for best pricIng. I typically wait until the battery dies before replacing, but was a little more...
by StevieG72
Sun Oct 08, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Selling gold jewelry
Replies: 17
Views: 1623

Re: Selling gold jewelry

Any recommendations on where to sell a gold ring with diamonds?
by StevieG72
Sun Oct 08, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1672

Re: What do you do with your empty inkjet cartridges?

I take mine to the kiddos school.

They have a box to collect them. Never asked about the specifics as to what they do with them.

It is better than dropping in the trash, and benefits the school somehow.
by StevieG72
Sun Oct 08, 2017 7:32 am
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 21
Views: 2375

Re: individual stock taxable account emotions

What percentage of your portfolio Is invested in these stocks?

#4 sounds like a good idea. How much money would you still have invested if you did this?
by StevieG72
Thu Oct 05, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4466

Re: How much worth house should one buy?

I bought a house I could easily afford on one income 17 years ago.

Still live in the same house even though my income is 5X what it was 17 years ago.

On track for FI sooner vs. later...
by StevieG72
Tue Oct 03, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Similar to: Can I Afford it?
Replies: 8
Views: 1364

Re: Similar to: Can I Afford it?

I like the can I afford it segments too.

Some of the posts on Bogleheads could be simplified to "Can I afford it".

And of course, if you have to ask, the answer is probably no!