Search found 471 matches

by StevieG72
Sun Jun 25, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: "Disruptive" life insurance
Replies: 3
Views: 425

Re: "Disruptive" life insurance

Get a term polucy that meets your needs. Steer clear of Whole Life. Fabric insurance starts with AD&D coverage which will not pay if you have a heart attack for example. It will pay if you get hit by a bus. It is not that difficult to secure a term policy. Just go ahead and get the ball rolling,...
by StevieG72
Fri Jun 23, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2182

Re: Anyone have a habit of checking the market all day?

Just once a day for me after 6pm when Vangaurd updates my portfolio balance.

I have a friend who checks it multiple times per day.

He once told me he was down bigtime on a federal holiday. I had to remind him that the market was closed.
by StevieG72
Sun Jun 18, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Question after reading Bogleheads Guide to Investing
Replies: 4
Views: 967

Re: Question after reading Bogleheads Guide to Investing

Welcome to the forum! Yes the 80/20 portfolio could have just 2 funds and that would be perfectly simple. With investing less is more. Bonds & REITs should be in tax advantage accounts / stocks in taxable. Check out the Wiki for more suggested reads. Bogleheads Guide to Investing is one of my fa...
by StevieG72
Sun Jun 18, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Roof Replacement - options
Replies: 6
Views: 827

Re: Roof Replacement - options

If you have soffit vents, the ridge vent is the way to go. Ditch the whirlybirds. I was apprehensive at first but like the cleaner look of the ridge vent. It will give your home an updated look as it seems all new construction homes use ridge vents ( in my area anyways). I figure if all of the new c...
by StevieG72
Sun Jun 18, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1209

Re: Which motorcyle?

Motorcycles are fun!

5 kids though? I would not recommend.

Too many distracted drivers on the road.

Get a sports car if you need to get away from the minivan occasionally, much safer.
by StevieG72
Sun Jun 18, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: State Farm to Geico
Replies: 13
Views: 1114

Re: State Farm to Geico

I would switch in a heartbeat given those numbers!

Geico customer here, been with them for many years. Had a fender bender, no rate increase. Hail damage claim was paid quickly. Overall a happy customer!
by StevieG72
Sun Jun 18, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why do we need an emergency fund?
Replies: 70
Views: 4006

Re: Why do we need an emergency fund?

I don't have one, but I do have access to an open ended credit account that would easily cover 6 months of my living expenses. Some may argue that if I lose my job I could lose that line of credit which is true, however I could just pull money from taxable investments if that happened. I think the e...
by StevieG72
Sun Jun 18, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Roof Replacement - options
Replies: 6
Views: 827

Re: Roof Replacement - options

As long as the document you signed with the roofer was not a contract to do business with him then you are free to use whoever you would like. Just make sure you are using a reputable contractor and understand the scope of work and possible additional charges. (most roofers will include 1 or 2 sheet...
by StevieG72
Sun Jun 18, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Mixed purpose inheritance
Replies: 6
Views: 532

Re: Mixed purpose inheritance

Sounds like a reasonable plan.

Sure beats a money market account for the "safe" money!
by StevieG72
Sun Jun 18, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1136

Re: Office Chair

I was in the same boat a few years ago and bought this chair.....

http://www.ikea.com/us/en/catalog/products/00103102/

Very comfortable, just enough features etc.
by StevieG72
Sun Jun 18, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 2434

Re: Happy Fathers Day - got me a used Weber grill!

Congrats on the great find! Nothing wrong with saving a few bucks and buying used. Now if you dumpster dive behind the grocery store for steaks you need an intervention! As far as the rust goes aluminum foil is the way to go! Use a bit of oil and scrub the rusty areas with the foil, works like a cha...
by StevieG72
Thu Jun 15, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: New Roof
Replies: 5
Views: 709

Re: New Roof

If it is safe to do so, get on the roof and check for soft spots where roof decking needs to be replaced.

Once job is complete make sure roof is solid in those areas. Also check any replaced pipe collars etc.

If you hired a reputable contractor, shouldn't be too much to worry about.
by StevieG72
Wed Jun 14, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Penn Mutual Class Action Lawsuit
Replies: 0
Views: 267

Penn Mutual Class Action Lawsuit

I got notice in the mail today.... not sure why as I only purchased term and the lawsuit seems to apply to whole life. Possibly because the insurance salesman originally tried to sell a whole life policy. https://blog.itm21st.com/2017/05/11/penn-mutual-pays-110-million-settlement-in-class-action-law...
by StevieG72
Tue Jun 13, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 2976

Re: Highlander vs. Pilot

Highlander

Toyota will depreciate slower. See this article https://www.edmunds.com/car-reviews/bes ... -cars.html

Significantly fewer complaints over at carcomplaints.com as well.

Disclaimer, I am a Toyota fan owning a 2016 4Runner.
by StevieG72
Mon Jun 12, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Overcharged for tax returns
Replies: 28
Views: 2639

Re: Overcharged for tax returns

Tax preperation fees are really high, I have seen folks charged over $200 for a 1040EZ. I have also seen clients bring in a shoebox of reciepts with no organization whatsoever for their tax preparer to sort through. You used the services of an accountant which was serious overkill for your situation...
by StevieG72
Mon Jun 12, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Proof for estimated tax payments
Replies: 19
Views: 1413

Re: Proof for estimated tax payments

There is no proof you sent it to them.

I imagine you will be hearing from them if your numbers don't jive though.

I like using EFTPS for my estimated tax payments, you can set them up for the entire tax year and be done with them.
by StevieG72
Mon Jun 12, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Life Insurance as an Investment Vehicle
Replies: 39
Views: 2244

Re: Variable Life Insurance as an Investment Vehicle

I second the don't do it, you will regret it!

Almost got caught up in one of these myself.

I am SO GLAD I did not make this mistake.

Hope you dodge the bullet....
by StevieG72
Mon Jun 12, 2017 7:25 am
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6430

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

I am sure many people have thought "if only I invested $ in"

The problem is for every homerun there is 1000 strikes.

Even those that did invest likely wished they invested more.
by StevieG72
Mon Jun 12, 2017 6:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat June 10
Replies: 3
Views: 407

Re: Sacramento Area Bogleheads ~ Meeting 10:30 AM Sat June 10

Sounds like an enjoyable and productive meeting.

Wish we had a chapter on the east coast!

Maybe we will have virtual meetings one day with folks from around the country.
by StevieG72
Sat Jun 10, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 2741

Re: Overpaid Big Time On Warranty

You got fleeced.

Toyota care is included for the first 2 yrs. & nothing is going to go wrong with the Toyota within the first seven years other than normal wear and tear.

When I bought my 2016 4Runner I paid cash and declined all extras.

If you can cancel you should.
by StevieG72
Sat Jun 10, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Home heating oil capped price plan
Replies: 16
Views: 910

Re: Home heating oil capped price plan

I imagine this proposition is more profitable for the oil company vs. customer.
by StevieG72
Sat Jun 10, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2120

Re: Naming boat

I like "Stay the Course"
by StevieG72
Sat Jun 10, 2017 6:33 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6685

Re: 100% Stocks For A Late Starter?

If it is a small portfolio I would invest 100% stocks.

Small being less than $100,000.
by StevieG72
Fri Jun 09, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 4936

Re: best way to buy tires

Sam's club has the best price and service in my area.

Michelin tires are hard and last a long time. My last set had a 60,000 mile warranty. I was surprised by how well they held up.
by StevieG72
Fri Jun 09, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 115
Views: 13557

Re: Dealership rejecting rebate after contract signed

I think I saw the OP riding his bicycle!

Looks like the car was returned.

He may have left Bogleheads to hang out with the MMM gang.
by StevieG72
Fri Jun 09, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Air Conditioning unit / fix or replace
Replies: 14
Views: 1144

Re: Air Conditioning unit / fix or replace

OP update.... Compressor was replaced & unit was converted to R410. I did not know this was an option, total cost was around $2100. Ironically in the meantime my AC went out. Low on R22, just topped it off, checked for leaks, and replaced plastic caps that cover shrader valves with brass caps fo...
by StevieG72
Wed Jun 07, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 1582

Re: E*Trade Account Closure fees

Its normal, most brokerages have a closer fee. I made a pitstop at TradeKing to pick up a bonus & they paid account closer fee from Sharebuilder. Next stop is Vangaurd, I may leave 1 share in to avoid closer fee. I will double check to see if they have minimum balance requirments etc. to avoid f...
by StevieG72
Wed May 31, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5177

Re: Do I deserve it? [A new car]

Single?

You will likely stay that way driving that 06 Taurus and living with your parents!

Get your own place and buy a less expensive car.
by StevieG72
Thu May 25, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Air Conditioning unit / fix or replace
Replies: 14
Views: 1144

Air Conditioning unit / fix or replace

Opinions please.... GF has 17yr old R22 AC unit. Compressor failed ( 17 yrs isnt a bad run!) Selling house this summer. Would you replace compressor only? ( first estimate came in at $2600 for just compressor) or replace the entire central air system $5500 I am aware of the phasing out of R22 and in...
by StevieG72
Mon May 22, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 109
Views: 17067

Re: TDBank promo just started easy $600

TDBank has some issues with its website.

While some had no issues, others had many.

If your intial funding attempt does not go through, do not try again! Each time you try it creates a new account.
by StevieG72
Fri May 19, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 115
Views: 13557

Re: Dealership rejecting rebate after contract signed

Is OP riding the bus now?

No time to update the post?

I am curious as to how things worked out, hopefully in OP's favor.
by StevieG72
Thu May 18, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5969

Re: Convince me to get back into stocks!

That is a small amount of money, and you are 27.

Invest it in stocks and forget about it for 30 yrs. you will be glad you did!

Shouldering too much risk or not enough risk is a mistake you don't want to make.

Good Luck!
by StevieG72
Thu May 18, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Roof depreciation on insurance and replacement cost help
Replies: 2
Views: 304

Re: Roof depreciation on insurance and replacement cost help

The adjuster should have explained the recoverable depreciation. Basically they have "paid" $4000 on the claim minus your $2500 deductable you got a check for $1500. Now if you replace the roof you can recover everything paid over $4000 up to $10,000 for your new roof. So basically they wi...
by StevieG72
Fri May 12, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Afraid I may have been hacked
Replies: 18
Views: 2769

Re: Afraid I may have been hacked

boater07 wrote:Is there anything else I should do??


You should return the keys!
by StevieG72
Fri May 12, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3252

Re: Price for brakes and rotors?

Way too much!!! I do my own breaks. I replaced my rotors and pads on my 06 Ford Escape last year, just before it was totalled :annoyed . My mom was qouted hundreds of dollars for a simple brake job on her van. I did the job for her, I believe parts were around $120.00 for 2 sets of premium pads. Loo...
by StevieG72
Sat May 06, 2017 5:46 am
Forum: Investing - Theory, News & General
Topic: value stocks in taxable
Replies: 8
Views: 557

Re: value stocks in taxable

If you desire value stocks as part of your AA, there is nothing wrong with putting them in your taxable account.
by StevieG72
Fri May 05, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Curb Impact Car Doesn't Go
Replies: 13
Views: 1217

Re: Curb Impact Car Doesn't Go

Sounds like possible damage to the axle from the impact.
by StevieG72
Fri May 05, 2017 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Pre-buying $10K TSM so it can be available as a future Tax Harvest partner fund for S&P?
Replies: 16
Views: 1168

Re: Pre-buying $10K TSM so it can be available as a future Tax Harvest partner fund for S&P?

The time to buy the alternate fund is when you tax loss harvest. No need to by it in anticipation of tax loss harvesting.
by StevieG72
Fri Apr 28, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4656

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: 38
Views: 3984

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: 5061

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: 936

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: 13
Views: 1160

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: 1450

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: 40
Views: 5626

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: 676

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: 1204

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 ...

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