Search found 707 matches

by StevieG72
Thu Apr 19, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4098

Re: Are you keeping more in cash?

Sounds reasonable.

It was smart to move to bonds when Money Market was next to nothing.

If the rates are rising to a level where you feel more comfortable keeping your cash reserves go for it!
by StevieG72
Wed Apr 18, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house... does this make sense?
Replies: 24
Views: 2233

Re: Expensive house... does this make sense?

Ummm no, you can’t afford it. It is great to own a home, however they come with plenty of problems. Have you budgeted for home repairs? How does the math look when the HVAC system needs a major repair or needs to be replaced? If you decide to buy a house, purchase one you can easily afford on your i...
by StevieG72
Wed Apr 18, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 7979

Re: Should we save for our son's college?

Save for the kids education, just let them know that there is no free lunch. I told my daughter that I will help her with college expenses IF she gets good grades. Otherwise she is going to have to figure it out on her own. My income is much less than yours and I set aside money for the kiddos colle...
by StevieG72
Tue Apr 17, 2018 9:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 257
Views: 23697

Re: Post your Financial Milestone Announcements Here

StevieG72 wrote:
Tue Apr 17, 2018 9:42 pm
cfs wrote:
Tue Apr 17, 2018 9:11 pm
Inactivity here. Anyone hitting two comma level, anyone paying off the mortgage, anyone, anyone . . . Gracias por leer / cfs
Mehh, it’s crunchtime for procrastinators, tax deadline is looming.
by StevieG72
Tue Apr 17, 2018 9:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 257
Views: 23697

Re: Post your Financial Milestone Announcements Here

Only multiple commas I have are in sentences...
by StevieG72
Tue Apr 17, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Child in college w/$500 income on W-2 - File taxes?
Replies: 27
Views: 2241

Re: Child in college w/$500 income on W-2 - File taxes?

Looking at this link it appears she does not need to file a return..... https://www.irs.gov/publications/p929 While others say great learning experience which is true, it is crunch time and I would not bother. In addition you may have to use a separate software to file federal and state for free. Mo...
by StevieG72
Sun Apr 08, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 38
Views: 3072

Re: Toyota 4 Runner

I own a 2017 4Runner SR5. I have wanted one for over 10 yrs. my previous vehicle was totaled so I pulled the trigger on the 4Runner, didn't even test drive it! 1st impressions were that it drove like a truck and the handling felt loose, however once I got accustomed to the handling it no longer feel...
by StevieG72
Wed Apr 04, 2018 5:09 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5370

Re: 2018 Camry. What's wrong with me?

Do not be alarmed, the BMW set you up for failure. This can be overcome! Drive around a beater for 6 months. No AC, aftermarket radio from 1990, squeeling belts when you start it, car diesals for a solid minute after turning it off, seats feel like bleachers, manual everything etc. Then go drive the...
by StevieG72
Sat Mar 31, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5338

Re: New car on lot for 102 days. Concerns?

I purchased a vehicle at the end of the model year.

Only issue was some vibration in the steering wheel that was probably incorrectly attributed to flat spots in tires from the vehicle sitting for so long.

At any rate the problem worked itself out before first service at 5,000 miles.
by StevieG72
Sat Mar 31, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3090

Re: Online meals, anyone do these?

I use Hello Fresh and really enjoy the variety and simplicity.

I may order once or twice a month. Pay about $60 for 3 meals 2 servings each.

The food is fresh, portions are adequate, and I am eating slightly healthier.
by StevieG72
Sat Mar 31, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3250

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

Let Geico handle it...

They will also,recover your deductible as part of the claim, they conveniently leave that part out...
by StevieG72
Thu Mar 29, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8915

Re: Not going to be buying chicken for a while...

I had some chicken this evening.

Nothing abnormal about the bird.

I have not experienced this phenomenon.
by StevieG72
Thu Mar 29, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 2770

Re: How many are using Automatic contributions?

Weekly to taxable, set it and forget it....
by StevieG72
Thu Mar 29, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9003

Re: How Do You Value Your Home for Net Worth Purposes?

Zestimate from Zillow.

I do not subtract out mortgage initially, since that is listed as a liability.

I keep a balance sheet that is updated monthly.

Net worth is slightly north of nothing....
by StevieG72
Sat Mar 24, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 2599

Re: What car should I get

Buy the Camry, great car will last many years.
by StevieG72
Sat Mar 24, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21659

Re: Anyone Deleting Facebook?

I have a fake account that I use to screen job applicants. Good tool, I have passed on many applicants based on information from FB. Side note, if we are going to classify Bogleheads as social media I want everyone to know that I had Lucky Charms with vanilla icecream for dinner last night. Sorry, f...
by StevieG72
Sun Mar 18, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 4274

Re: Vanguard Personal Advisory Services Fees

I believe VPAS overcharges for what they offer. Basically a LS Fund broken into smaller parts for 30 basis points. That being said, My wife knows to call VPAS immediately upon my death and sign up. The alternatives to VPAS are much worse. Regards, John This is the simplest solution. Have a brief co...
by StevieG72
Sun Mar 18, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Purchasing 1st Car under 3K
Replies: 33
Views: 2260

Re: Advice on Purchasing 1st Car under 3K

Good luck....

My last search for a car in the $5,000 range was fruitless.

Ended up purchasing a car from Hertz still under warranty for about $11,000.

Everything in the $5,000 range was beat to death with a gazillion miles on it.
by StevieG72
Sun Mar 18, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 8194

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

Pass on the opportunity to over complicate things. 16 is not better than 6, less is more. He could likely have you invested in illiquid assets such as thinly traded REITs etc. .25% is just his fee, you will pay fund expenses on top of that. Also he can be compensated via the funds he chooses to inve...
by StevieG72
Sun Mar 11, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4394

Re: Men's Cologne

bloom2708 wrote:
Sat Mar 10, 2018 10:47 am
Drakkar Noir. Timeless. 1987 wants back in. :wink:

I prefer good clean soap smell.

No cologne at work.
😂

What is truly timeless is Old Spice original scent. Your application for SS will be expedited if you wear this!
by StevieG72
Wed Mar 07, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo as security device
Replies: 11
Views: 1364

Re: Amazon Echo as security device

Reminds me of a habit I had of leaving a radio playing while away. I was gone for a weekend. Radio was on loud enough to hear from outside of the front door, but not crazy loud. I returned home and my neighbor informed me of the police visiting my house at 2am over a noise complaint. I was not home ...
by StevieG72
Wed Mar 07, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: What's that smell?
Replies: 41
Views: 6088

Re: What's that smell?

We can be a nervous bunch on this forum.

Stocks are doing well, the bottom must be getting ready to fall out.

Stocks are tanking, the world is coming to an end as we know it.

We are the Goldilocks of investors! Market is up? Too hot!
Market is down? Too cold!

Stay the course? Just right!
by StevieG72
Tue Mar 06, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 150
Views: 11942

Re: What big item (>20k) are you saving up for?

bargainhuntingking wrote:
Tue Feb 13, 2018 12:38 pm
Early retirement
+1
by StevieG72
Tue Mar 06, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: In-law advice?
Replies: 24
Views: 2537

Re: In-law advice?

Sounds like you have a good plan.

Good idea to not recommend any specifics.

I had a friend that had his brother in law invest $10,000 just prior to 2008. Stocks tanked, he sold at the bottom and told the whole family about his loss blaming it on the brother in law.
by StevieG72
Tue Feb 27, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 2657

Re: Mobile Deposit Bank Fraud

Sounds like the bank should take care of this type of fraud unless too much time has passed. I do not have paper checks associated with my checking account, haven’t for many years. Also do not have a debit or ATM card either. When I occasionally need a check for a purchase I stop by the bank and get...
by StevieG72
Tue Feb 27, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Personal rules for buying in a down market?
Replies: 55
Views: 3998

Re: Personal rules for buying in a down market?

I scraped 10k together and pulled the trigger Feb 8th.

Its ok to buy when stocks decline, just don’t sell!

Be greedy when others are fearful!
by StevieG72
Tue Feb 27, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 7876

Re: Physical cash

As little as possible < $100.

Cash can be lost or stolen.

A few thousand in a safe deposit box seems counterintuitive since safety deposit boxes are in the bank.
by StevieG72
Tue Feb 27, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Interesting article about VIX and other alternative investments
Replies: 1
Views: 263

Interesting article about VIX and other alternative investments

Intersting article.... https://www.msn.com/en-us/money/markets/the-next-big-bad-bet-might-be-lurking-on-wall-street-—-and-we-just-got-a-glimpse-of-it/ar-BBJEKli?li=BBnbfcN Found this amusing... “When I bought XIV at $95 today, I received a warning from my broker along the lines of, ‘Either you are r...
by StevieG72
Mon Feb 26, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 6945

Re: Strategies for getting out of a car dealership quickly?

I was not very popular at the dealership when I bought my last car.

Negotiated price prior to stepping foot in dealership.

Brought a check for agreed upon price.

Skipped accessories, financing, and warranty.
by StevieG72
Thu Feb 22, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 58
Views: 3001

Re: Auto insurance damage claim

Insurance company is being fair. The condition of the vehicle at the time of the accident is factored in to the payout. Geico is a large insurance company. They follow standard procedures. You would have likely had similiar results with any other insurance company. I have had some minor damage to my...
by StevieG72
Tue Feb 20, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 2668

Re: Trade my BMW?

Don’t get a 4Runner if you want better gas mileage.

Mine seems to get just under 19 mpg regardless of how I drive it.
by StevieG72
Sat Feb 17, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: buying around dividend time
Replies: 11
Views: 1019

Re: buying around dividend time

It doesn’t matter if you purchase prior to dividend or after dividend is distributed.

There is no benefit nor is there a detriment either way.
by StevieG72
Sat Feb 17, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Questions to ask a siding contractor...what are 'red flags'?
Replies: 8
Views: 531

Re: Questions to ask a siding contractor...what are 'red flags'?

Prices will vary greatly. Prices for a recent job on my home ranged from $25,000 to $6,100. My siding was replaced last year and I am thrilled with the price and end results. I had a small contractor with minimal overhead costs do the job. A neighbor had good results using a local builder in the are...
by StevieG72
Sat Feb 17, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1242

Re: Older iPhone slowdowns - tips or considering switching?

Download the Battery Life app to see if your battery is the issue. DIY replacememts for around $29 are worth a shot. If the battery is not the issue, try turning the phone completely off occasionally. I have a 6s and will likely replace my battery in December while the $29 battery is still available...
by StevieG72
Thu Feb 15, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a new account
Replies: 6
Views: 543

Re: Starting a new account

Open account with Vangaurd.

Buy $500 of VTI.
by StevieG72
Thu Feb 15, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 17667

Re: Number at which to stop worrying

5 million...

The uncertainty of Health Care premiums is my biggest worry for retirement expenses.
by StevieG72
Wed Feb 14, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Buying Iphone X with AT&T
Replies: 16
Views: 887

Re: Buying Iphone X with AT&T

Sprint user here.... I am disappointed with the recent changes. Sprint has lowered their plans by $10 for those that are no longer under a contract. ( This is money that was previously used to subsidize the phone purchase) You may want to check with AT&T to see if they did something similar. Sprint ...
by StevieG72
Wed Feb 14, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: Help me get my friends started
Replies: 6
Views: 588

Re: Help me get my friends started

Maybe Millionare Next Door would be a good read...

Instant gratification trumps a fully funded 401k for most people.

I have given up on trying to convince my friend that he should dump his FA.
by StevieG72
Tue Feb 13, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 53
Views: 6157

Re: Accountant not doing taxes while you are there

Fairly standard procedure unless your taxes are so simple that you should not be using a CPA. Your paperwork should be organized and complete. The CPA will contact you if any additional information is needed. If I paid a CPA I would not want to sit with them while they did my taxes, however I would ...
by StevieG72
Tue Feb 13, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 34817

Re: What's your U.S. : International ratio?

15% of stocks.

Target is 20%, I will get there eventually.
by StevieG72
Tue Feb 13, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 17667

Re: Number at which to stop worrying

cfs wrote:
Mon Feb 12, 2018 6:19 pm
SQRT wrote:
Mon Feb 12, 2018 5:40 pm
Worriers never stop worrying.
Ding, ding, ding, we have a winner !!!

Wishing all the worriers a good evening.

Gracias por leer ~cfs~
Thanks, and a good evening to you as well!
by StevieG72
Tue Feb 13, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 1682

Re: Obligation to use car insurance proceeds?

No obligation to fix the car.

You can do as you please with the money.

The insurance company doesn't care if you fix it or not.

You are not defrauding the insurance company by not fixing the car. The car is damaged and is worth less now, the insurance company paid the claim to make you whole.
by StevieG72
Tue Feb 13, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6835

Re: Should I claim chapter 7 bankruptcy? debt 110k

No advice on bankruptcy, however I did see this while looking up SVXY. https://www.girardgibbs.com/proshares-short-vix-short-term-futures-etf-svxy-lawsuit/?utm_campaign=proshares&utm_medium=ppc&utm_keyword=%2Bsvxy&gclid=CjwKCAiAtorUBRBnEiwAfcp_Y-GeVyXQuT-rPPnhx_mqvJXZVmLU8XxL3cw7aQfOqtozjh07I8XUwBoC...
by StevieG72
Tue Feb 13, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 150
Views: 11942

Re: What big item (>20k) are you saving up for?

CppCoder wrote:
Mon Feb 12, 2018 7:55 pm
Early retirement...
+1

You beat me to it...
by StevieG72
Sat Feb 10, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 12254

Re: Anybody else Age - 10 in bonds, rest in stocks

Age minus 15

80/20 is too aggressive, 60/40 is too conservative. I split the difference and am currently at 70/30.

This closely matches Vangaurds target retirement fund for someone wanting to retire in 15yrs, which I do.
by StevieG72
Sat Feb 10, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 6956

Re: Suggest coffee maker please

oh, and i've found the water source is a big influence on flavor (I prefer the spring water coming out the hill down the road over my reverse osmosis system....must be all the healthy "contaminants") I prefer melted glacier ice myself. You might be interested in chapter two of this book even though...
by StevieG72
Thu Feb 08, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10395

Re: RBD alert [Really Bad Day]

as per the rules of a RBD: 1. drop of 2.5% of more 2. drop greater than 4th largest drop in the previous 150 days 3. not a friday we had two RBDs this week. did anyone action on monday? and if you did, did you action today? I purchased 10k of VTIAX, thought I missed the opportunity when the market ...
by StevieG72
Sat Feb 03, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 16309

Re: Blood in the water- buying?

I rebalanced two weeks ago since I had drifted 8% from my target AA. I was too heavily weighted in stocks. I am still just under 1% off so I will continue to buy bonds with my weekly automatic investment. If the bleeding continues and my stock allocation drifts away from my target I will switch up t...
by StevieG72
Sat Feb 03, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 17629

Re: For BHs who actually like cars - what is your daily driver?

2016 Toyota 4Runner.

I have always wanted one even before becoming a Boglehead.

Also want a 2013 Camaro SS, they changed the taillights in 2014 forward which I do not care for. The Boglehead on my shoulder is saying don’t do it!