Search found 393 matches

by StevieG72
Sun Mar 19, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 37
Views: 1713

Re: Do you purposely spend with companies in your investment portfolio?

No, the impact would be negligible.

I think more folks do what a previous poster mentioned which is buy stocks of companys that they like.

This practice can really put a drag on your portfolio, I imagine there could be a homerun occasionally.

The average investor will trail the market doing this.
by StevieG72
Sat Mar 18, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 65
Views: 6359

Re: Citi card Nightmare

This seems far from a nightmare, but I understand your irritation with the sequence of events. As far as the payment goes, I would not be too concerened. If the late payment charge is your biggest concern I have never had a problem getting the fee waived, refunded. Interest charge is a different ani...
by StevieG72
Sat Mar 18, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 43
Views: 2778

Best place to get eyeglasses / no vision insurance

Where do Bogleheads recommend getting eyeglasses? Not interested in contacts.

No vision insurance. My employer doesnt provide it :( , self employed :D .

Leaning towards Costco or America's Best.

I have never had glasses before but am coming to the realization that I likely need them.
by StevieG72
Sat Mar 18, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: First time Cruise trip to Carribean
Replies: 6
Views: 527

Re: First time Cruise trip to Carribean

Try this site.... http://www.parksleepfly.com/park-and-cruise I use this site or similiar to find hotels that have a shuttle service, then cross-reference with Tripadvisor for hotel reviews, and lastly cross-reference with expedia, hotels website for the best pricing. + 1 on Cruise Critic, lots of g...
by StevieG72
Sun Mar 05, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3097

Re: Where do you order checks from?

I can't remember the last time I used a personal check.
by StevieG72
Sun Mar 05, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Keep Financial Advisor or move to 3 Fund Portfolio?
Replies: 48
Views: 3648

Re: Keep Financial Advisor or move to 3 Fund Portfolio?

Drop the advisor.

You want your money working for you, if you use an advisor your money is working for two.
by StevieG72
Sat Mar 04, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Need advice for a beginner investor
Replies: 5
Views: 425

Re: Need advice for a beginner investor

Target Retirement is the way to go.

It will adjust itself to a more conservative portfolio as you get closer to retirement age.

The life strategy is a fixed portfolio. Life Strategy Growth 80% stocks / 20% bonds may fit your needs now, but may be too agressive 15 years from now.
by StevieG72
Sat Mar 04, 2017 6:40 am
Forum: Investing - Help with Personal Investments
Topic: adding a small cap fund on Brokerage
Replies: 3
Views: 409

Re: adding a small cap fund on Brokerage

You can't really go wrong with any of them.

They all have a low ER.

Just dont pick the one with the best past performance, for that reason alone.
by StevieG72
Fri Mar 03, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 2360

Re: How to ask back the book I lent to a Director?

#1

Sometimes you just have to let it go...
by StevieG72
Fri Mar 03, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 3866

Re: Family Hounding me to Purchase SUV or Minivan

How many miles do you want to get out of that Ford?

I was aiming for 200,000 out of mine. It was totaled in an accident at 143,000 miles. :(

Reliability would be my only concern.
by StevieG72
Fri Mar 03, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Typical baptism gift as a Godparent?
Replies: 9
Views: 647

Re: Typical baptism gift as a Godparent?

How old is the child?

Maybe something a little more personable?
by StevieG72
Fri Mar 03, 2017 4:33 pm
Forum: Forum Issues and Administration
Topic: Notifications frequency
Replies: 2
Views: 297

Re: Notifications frequency

I believe it is all or nothing.

I do not like notifications, prefer to just review my posts periodically for replies.
by StevieG72
Thu Mar 02, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: I am calling a market bubble right now.
Replies: 27
Views: 2704

Re: I am calling a market bubble right now.

I am calling bravo sierra.
by StevieG72
Thu Mar 02, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is Certified Pre-owned Car worth it?
Replies: 16
Views: 1947

Re: Is Certified Pre-owned Car worth it?

We are in the market for buying a used car for our DD (17 years old). Our budget is between $10,000-$12,000. We have never purchased a used car till date. The cars we own are 18 years old but we don't want to give any of those cars to DD due to safety concerns. My questions are - 1. What is the bes...
by StevieG72
Thu Mar 02, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 3866

Re: Family Hounding me to Purchase SUV or Minivan

The safety features of a new car are considerably better than an 11 year old car. Once she got pregnant, I forced my wife to sell her 10 year old Accord and get a new SUV because of the safety features. Also, she drives a lot for work so I didn't want her to get stranded somewhere either. We got a ...
by StevieG72
Wed Mar 01, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Advise 98 yr old with 95% equities?
Replies: 33
Views: 3538

Re: Advise 98 yr old with 95% equities?

aristotelian wrote:Advise him? I would be asking for his advice. He made it to 98 in good health and with money to spare. He must know what he's doing.


+1
by StevieG72
Tue Feb 28, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 4931

Re: Don't pay full price for cable TV

That reminds me of a funny story.

My friend called to cancel in hopes of getting a lower rate. The cable company simply agreed to cancel his service with no retention offer. He then had to back pedal snce he really didn't want to cancel.

Of course YMMV....
by StevieG72
Fri Feb 24, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax importing Vanguard funds
Replies: 6
Views: 700

Re: TurboTax importing Vanguard funds

Once you import it will transfer over to state tax form along with the rest of the federal tax return calculations / information.

Easier to import and avoids error, especially if you have multiple funds.
by StevieG72
Fri Feb 24, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 7878

Re: BH thoughts on Time shares

I don't care for them personally, however my family owns many of them! My biggest heartburn is the ever increasing maintenance fee. And then there is the "special assessment" for large expenditures. My thoughts on these are if they were managing the property as they should then these shoul...
by StevieG72
Fri Feb 24, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 2876

Re: Credit Card Debt Question (Separation)

Best advice that I got when going through a similar situation was to shore things up financially while my soon to be ex was more interested in her fling. I put in my seperation agreement that there would be no overnight stays by a nonfamily member of the opposite sex with my daughter in the home. In...
by StevieG72
Thu Feb 23, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: 31 yo Boglehead - portfolio check-in
Replies: 2
Views: 425

Re: 31 yo Boglehead - portfolio check-in

Nice simple portfolio. Less is more!

I would not bother to tilt, especially since you are 100% equities.
by StevieG72
Thu Feb 23, 2017 11:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10407

Re: Vanguard opens special offices for $1 million clients

I would prefer a coffee mug once my account reaches $1 million.
by StevieG72
Thu Feb 23, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7731

Re: New Boglehead Millionaire

Lunch is on Newbie!
by StevieG72
Thu Feb 23, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3569

Re: Ethical dilemma involving birthdays and wine..

It may continue in hopes you will do business with them again or recommend their service.

What type of wine are they sending? It is a nice gesture above the normal card most businesses send out.
by StevieG72
Thu Feb 23, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7731

Re: New Boglehead Millionaire

Congrats, that is an awesome milestone at your age.

You must have a healthy income!

Keep up the good work, and take time to enjoy the fruits of your labor along the way.
by StevieG72
Wed Feb 22, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1357

Re: How to help a friendly business with office space?

StevieG72 wrote:Probably best for them to lease some office space, from someone other than yourself!

Solid lease agreement for a short renewable term is the way to go.

Why do you want to get involved?
by StevieG72
Wed Feb 22, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to help a friendly business with office space?
Replies: 23
Views: 1357

Re: How to help a friendly business with office space?

Probably best for them to lease some office space, from someone other than yourself!

Solid lease agreement for a short renewable term is the way to go.

Why do you want to get your involved?
by StevieG72
Wed Feb 22, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 3969

Re: Retirement savings: Lots of $, job prospects weak

Go all in (100% equities) in a total market index fund with low fees.

VTSAX
by StevieG72
Wed Feb 22, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2412

Re: Amazon Coupon Code

I just placed an order a couple of hours ago, and then I see this....

Story of my life, day late & a dollar short.
by StevieG72
Wed Feb 22, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: What are they trying to sell me here?
Replies: 27
Views: 2792

Re: What are they trying to sell me here?

warowits wrote:
blurryvision wrote:
I'm wondering if anyone knows what the "Opportunity to make tax-deductible contributions to a retirement plan in addition to your 401K contributions" is?


My money is on a whole life insurance policy, dressed up to look like something it isn't.


+1

Thats what I was thinking...
by StevieG72
Wed Feb 22, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Drones in arizona
Replies: 39
Views: 3385

Re: Drones in arizona

I imagine a bunch of cigarette smoking drone operators could ruin a peaceful day enjoying nature!
by StevieG72
Wed Feb 22, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 822

Re: How efficiently are my investments working?

You say all earnings are reinvested, but then say income is $25,000. Are you referring to $25,000 in dividends that were reinvested? What are you invested in? $5,000 would have little impact on the time weighted return. Read up on money weighted vs. time weighted returns to better understand calcula...
by StevieG72
Wed Feb 22, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Drones in arizona
Replies: 39
Views: 3385

Re: Drones in arizona

Kohaku wrote:I wonder how people would feel if the drones weren't so loud.


Exactly the same I am guessing, because they are NOT loud!

They sound like a swarm of bees when close to the ground, once they reach cruising altitude you can't even hear them.

These things are battery powered folks.
by StevieG72
Tue Feb 21, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help please on estimated tax payments
Replies: 4
Views: 441

Re: Help please on estimated tax payments

Direct pay if you are not incorporated.

EFTPS if you are incorporated.

No need to file 1040 ES.
by StevieG72
Mon Feb 20, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: Flagship? [T. Rowe Price retirement funds]
Replies: 20
Views: 2233

Re: Flagship?

“Imitation is the sincerest form of flattery that mediocrity can pay to greatness.”

― Oscar Wilde
by StevieG72
Sun Feb 19, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on current situation?
Replies: 4
Views: 381

Re: Advice on current situation?

Might not be the kind of advice you are looking for but realistically I think the best thing you could do is pursue a job or career where you are making more income. The specifics of what you invest in are secondary to that. +1 As far as the stock picking goes, hindsight is 20/20. At your age just ...
by StevieG72
Sun Feb 19, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2606

Re: Re-applying for same job?

99 percent chance of it not working out. But what do you have to lose to find out more and then contact them? +1 Some companies have unwritten policies about rehires. I am currently on the "no" rehires wagon since the last two were rehired and then terminated within a short period of time...
by StevieG72
Sun Feb 19, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Novice hotel billing question-Chase Sapphire rewards credit
Replies: 6
Views: 545

Re: Novice hotel billing question-Chase Sapphire rewards credit

Yes, if you charge it to the room it will be eligable for the travel credit.
by StevieG72
Sun Feb 19, 2017 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Questions to ask Parents.
Replies: 5
Views: 706

Re: Questions to ask Parents.

They have been proactive and covered the basics.

I would not ask them anything in regards to finances etc.

The only thing I ask my mom, somewhat jokingly, is what she wants me to do with her dog.
by StevieG72
Sat Feb 18, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 65
Views: 4089

Re: New cars or Pool?

I vote for new cars.

Pool will be a headache & a liability.

Selling home may be more difficult if pools are not popular in your area.
by StevieG72
Sat Feb 18, 2017 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 2876

Re: Credit Card Debt Question (Separation)

Sorry to hear about the seperation, been there done that lost my tshirt! Are they joint cards? You should probably be working on some damage control in regards to additional charges being made on these cards. You need to shut down new charges on all 3 cards, the interest rates are too high you shoul...
by StevieG72
Sat Feb 18, 2017 6:03 am
Forum: Investing - Help with Personal Investments
Topic: Mutual fund vs etf question
Replies: 8
Views: 500

Re: Mutual fund vs etf question

You need to tell EJ to hit the highway.....
by StevieG72
Sat Feb 18, 2017 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy on kids - prudent?
Replies: 35
Views: 2072

Re: Life insurance policy on kids - prudent?

My friend did this, I tried to talk him out of it. His financial "guy" told him that wealthy folks buy WL for their kids.

Policies have since lapsed, his new "guy" told him it was not a good idea.

WL is a great idea if you are the salesperson. Commisions are huge!
by StevieG72
Sat Feb 18, 2017 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3932

Re: Vanguard Web Site Down?

I missed all of the excitement, slept in yesterday.
by StevieG72
Fri Feb 17, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 59
Views: 3536

Re: Long Day Trip: Drive Old Car or Rent Car?

Rent a car, and drive it like its stolen!

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