Search found 430 matches

by StevieG72
Fri Apr 28, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 31
Views: 3043

Re: Stay Out Of REITs?

While you don't want to chase performance.

If you have decided REITs should be part of your portfolio then make it happen captain!
by StevieG72
Thu Apr 27, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 30
Views: 2396

Re: Why I'm tempted to fix things myself; it's not about the money

I have some of the same issues. I had hail damage to my house, the company my insurance company recommended came out to provide an estimate. They got back with me concerning replacing siding damaged by hail only. ( this is what insurance company would pay for) I asked for an estimate for doing the e...
by StevieG72
Wed Apr 26, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4443

Re: $300+ to remove a racoon. Really?

It cost my brother $4,000 to remove a bat from his neighbors attic.

He was bitten by the bat and needed rabies vaccination.

Nurse's name was Robin.... I can't make this stuff up!
by StevieG72
Wed Apr 26, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Anyone know what this auto repair tool is?
Replies: 5
Views: 838

Re: Anyone know what this auto repair tool is?

Windshield removal tool.
by StevieG72
Wed Apr 26, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Hi all! Help a newbie
Replies: 7
Views: 488

Re: Hi all! Help a newbie

Welcome to the forum!

Bogleheads by the way, not Bodleheads!

You should max out your 401k before doing any other investing!
by StevieG72
Sun Apr 23, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?
Replies: 13
Views: 1364

Re: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?

I would just ask coworkers.

Most folks can easily grasp the concept of "free" money.

Maybe recommend a financial seminar to educate everyone about the options available.

I am very thankful that someone informed me and followed up on me openening my first 401k many years ago.
by StevieG72
Sun Apr 23, 2017 7:26 am
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 34
Views: 4156

Re: How inefficient is it to hold Total Bond Index in a taxable account?

I had the same issue and purchased Vangaurd High Yield Tax Exempt bond fund.
by StevieG72
Sun Apr 23, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: End of car lease calculation
Replies: 7
Views: 619

Re: End of car lease calculation

Obviously you like the vehicle.

I would pull the trigger on the lease purchase.

Probably not much difference between the model years.
by StevieG72
Sat Apr 22, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Hi I'm going to open up a taxable account
Replies: 10
Views: 1105

Re: Hi I'm going to open up a taxable account

The general rule for tax efficiency is to have mostly stocks in taxable, bonds & REITs in tax sheltered accounts. This reduces the tax burden. Rules are made to be broken, and some situations may warrant bomds in taxable. I have had bonds in my taxable account, but used high yield tax exempt to ...
by StevieG72
Sun Apr 16, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: Just for Fun... Let's Pick a Daily Over / Under
Replies: 9
Views: 1133

Re: Just for Fun... Let's Pick a Daily Over / Under

Over for 4/17....

Is this actionable?

IBTL?
by StevieG72
Sun Apr 16, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 3913

Re: Will - what is complicated?

For more examples of what is complicated, read "Beyond the Grave, Revised and Updated Edition: The Right Way and the Wrong Way of Leaving Money to Your Children (and Others) " By Jeffrey Condon. I just bought the Kindle version on Amazon for $1.99 BTW. You don't have to have a kindle to r...
by StevieG72
Sun Apr 16, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: Any avid users/haters of the Acorns platform?
Replies: 9
Views: 1491

Re: Any avid users/haters of the Acorns platform?

A friend asked me to check it out as he was looking for a referral bonus.

I saw the fees and decided against it.
by StevieG72
Sat Apr 15, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Grass is always greener!
Replies: 16
Views: 2814

Re: Grass is always greener!

I have the same problem....

I tried once to get some grass growing but nothing sprung up in my front yard.

Some grass grew years later in the side yard and it looks nice.

My weeds are green and I mow them.... not sure its worth the effort or expense to try again.
by StevieG72
Fri Apr 14, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 1986

Re: Washer/dryer suggestions?

I think the front load washers and dryers are overrated. They are expensive, and typically most people purchase a base to set the machines on so they are not too close to the floor. ( these are not cheap either) My mom has had one for a couple of years. Leaving the door open and wiping the seal dry ...
by StevieG72
Fri Apr 14, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4027

Re: What do you do with your coins?

I take mine to my bank which has a free (for members) counter that makes quick business of the coins.

My house was broken in to a few years ago, jars of coins are one thing stolen.

Rarely use cash anymore so much less change to deal with.
by StevieG72
Fri Apr 14, 2017 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6511

Re: Dealership rejecting rebate after contract signed

Its not your problem! You showed up looking to buy a new car and worked out the best deal with the salesperson. The salesperson must have told you that you were eligible for this rebate. Contract signed, deal is done. Dealership needs to work this out on their end and leave you alone. I would at bes...
by StevieG72
Thu Apr 13, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 15671

Re: Tesla Model 3 or Chevy Bolt?

BMW i3

Late model used ones are in the $20,000 range.
by StevieG72
Thu Apr 13, 2017 5:44 am
Forum: Investing - Help with Personal Investments
Topic: looking for some confirmation
Replies: 7
Views: 504

Re: looking for some confirmation

100% stocks is fine at your age, just don't freak out and sell at the bottom if prices drop significantly.
by StevieG72
Wed Apr 12, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4497

Re: Car Breaks Down on Long Road Trip

Pull the plates off of the SUV and walk away.

Everyone splits up and finds there own way to the hotel. Last person to arrive buys dinner for everyone.

Purchase a new SUV to drive home, forget about the old one... piece of junk, left you stranded on vacation!
by StevieG72
Wed Apr 12, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Car waxing/sealant for a newb (not for high level detailing)
Replies: 10
Views: 1096

Re: Car waxing/sealant for a newb (not for high level detailing)

Spray on waxes have come a long way and are as good as paste waxes nowadays.

Pick a high quality spray on wax. Wash, dry, wax, repeat when water doesnt bead off car anymore.

The above steps will protect the paint. You may need to wash more frequently if tree sap is getting on car.
by StevieG72
Wed Apr 12, 2017 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Tax preparer charging for past tax PDF's copies
Replies: 49
Views: 3409

Re: Tax preparer charging for past tax PDF's copies

Considering what the majority of tax preparers & accountants charge, I think it is excessive.

However, if they already provided you with a hard copy and you are requesting a pdf file of multiple years then a charge may be justified.
by StevieG72
Wed Apr 12, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school tuition
Replies: 42
Views: 3223

Re: Can we afford private school tuition

It looks like you can afford it. Investing in the kids is always a good idea, set them up for success! My kiddo goes to private school, my observations from her experiences.... The curriculum from public to private for the same grade may not line up, think math and english. They do placement testing...
by StevieG72
Wed Apr 12, 2017 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Milestone reached.
Replies: 14
Views: 2323

Re: Milestone reached.

Congratulations! Impressive results, my goal is to reach 7 figures by 50 yrs old. Maybe I am not being agressive enough! I think I will officially update my goal to add paying off mortgage by 50 as well. Are you setting any new goals? What is your current AA? I anticipate rolling back to 60/40 as I ...
by StevieG72
Mon Apr 10, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 2664

Re: Backyard shed, wood or plastic?

Thanks for the suggestuons. I am looking at an 8' x 10'. Current metal shed is VERY unsightly. No foundation in place. Anyone have a plastic shed for many years? While I think a wood shed is better looking, I was thinking a plastic one may last longer & require no maintenance. I do like the sidi...
by StevieG72
Sun Apr 09, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 2664

Backyard shed, wood or plastic?

Where is the best place to get a backyard shed? Wood or plastic? The Lifetime plastic sheds seem like a good option. Looking fo something for around $1,000. Can instal it myself. The plastic seems to be more durable with less maintenance. Wooden shed with shingles will need paint, could suffer from ...
by StevieG72
Thu Apr 06, 2017 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Insights Regarding Used Kia Sedona
Replies: 4
Views: 405

Re: Insights Regarding Used Kia Sedona

Check carcomplaints.com, they have good information about any issues owners are having.
by StevieG72
Wed Apr 05, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8465

Re: Buying expensive car, how to keep payments low?

I got the "fancy car itch" taken care of and will be buying a really nice used Lexus next time. I found the stress from worrying about my kids' bikes scratching my "fancy" car, and other such things, not worth it. +1 I bought the vehicle I have wanted for years. While I am pleas...
by StevieG72
Mon Apr 03, 2017 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 4261

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

I am 45 and don't think too much about SS.

Live below my means, save a huge portion of my income.

Anything from SS will be icing on the cake.
by StevieG72
Mon Apr 03, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Screwed over by the airlines...
Replies: 42
Views: 4765

Re: Screwed over by the airlines...

I can feel your frustration.....

Sounds like my luck! You did everything you could & would have been better off if you had done nothing!

Report back on your credit card coverage, hopefully you will find relief there.
by StevieG72
Sun Apr 02, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 6448

Re: Cost of Booze on a Cruise

Drink prices are similiar to what you would find in bars with the exception being sometimes imports (as we know them) are cheaper than domestics. Unless you are a heavy drinker I don't think the drink packages are worth the expense. I had a drink package as a booking bonus and using it freely and of...
by StevieG72
Sat Apr 01, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 157
Views: 9554

Re: When do you plan to die?

For retirement planning I will use a conservative age 92.5 years.
by StevieG72
Sat Apr 01, 2017 5:29 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 594
Views: 81224

Re: High Earners - What's Your Profession?

Self employed / small business owner.
by StevieG72
Thu Mar 30, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3303

Re: Divorcing and handling shared and split assets after divorce

The whole "nesting" idea is for the birds! While it is admirable to try to do what you feel is best for the kids, I think you will soon find that "nesting" is not practical. Kids are resilient, they can deal with mom and dad living in two different homes. Shared custody ( 50/50 )...
by StevieG72
Wed Mar 29, 2017 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 9934

Re: Not opting for 529... anyone else?

I have opted out siding with the conventional wisdom that you can get a loan for education, not so much for retirement. However, I am thinking about funding $4,000 each year starting this year. College is about 6yrs out for my kiddo. My state offers tax savings for 529 contributions & this is mo...
by StevieG72
Sun Mar 26, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 42
Views: 2907

Re: Child Planning Checklist

Spend time reinforcing the marraige.
by StevieG72
Fri Mar 24, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: The Sweet Spot for Yearly Car Costs
Replies: 54
Views: 3878

Re: The Sweet Spot for Yearly Car Costs

Its all relative to income / assets. If one has disposable income and chooses to spend on cars, no big deal. I decided to get the car that I have wanted for many years after an accident last year that totaled my vehicle. While I could have got a less expensive new vehicle that would meet my needs in...
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: 42
Views: 2357

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: 75
Views: 8334

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: 3210

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: 576

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: 3576

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: 3871

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: 463

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: 461

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: 2882

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: 4144

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: 719

Re: Typical baptism gift as a Godparent?

How old is the child?

Maybe something a little more personable?

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