Search found 487 matches

by StevieG72
Tue Aug 15, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Hail protection for new car?
Replies: 11
Views: 769

Re: Foam padding to protect car -- what am I looking for?

Do you get an excessive amount of hail in your area? My new vehicle, bought in January, suffered hail damage in Febuary. I was NOT happy. Problem is you never know when it will strike. You could have it protected nicely in your driveway and then get caught in a storm while driving. Your idea of a so...
by StevieG72
Sat Aug 12, 2017 3:41 am
Forum: Personal Finance (Not Investing)
Topic: Do I really need a trust?
Replies: 48
Views: 3884

Re: Do I really need a trust?

I am leaning towards a trust myself.

Like the idea of protecting assets from some of life's inevitable things.

Particularly find peace in being able to protect assets from the ever so common divorce.

Bought Beyond the Grave book based on recommendations here, look forward to reading it soon.
by StevieG72
Sat Aug 12, 2017 3:33 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 143
Views: 7092

Re: How far would you travel to see The Eclipse?

My backyard.... more likely will watch it from my couch on tv.

I would like to see the Northern Lights and will likely travel to do so at some point.
by StevieG72
Fri Aug 04, 2017 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9734

Re: Do you count vehicle equity in net worth?

No, cars depreciate so quickly it doesn't make sense to me.

Plus I don't like to think about how much money I spent on my vehicle!
by StevieG72
Fri Aug 04, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Mr handyman?
Replies: 14
Views: 1992

Re: Mr handyman?

You may want to look at doing the aluminum maintenance free trim.

I did mine years ago and have been really pleased with the results.

It is not terribly expensive, and will last much longer.
by StevieG72
Sun Jul 30, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 54
Views: 3660

Re: About to buy a rental car, any advice?

While YMMV I can offer the following. Be prepared for delays. Hertz needs to pull the car out of the fleet, transport it to the sales sight, get the oil changed and state inspection ( if applicable) & remove any propreitery equipment such as aftermarket navigation. There will likely be dents , d...
by StevieG72
Fri Jul 28, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 29
Views: 2228

Re: Need advice - Job

1 hour each way drive time vs. working at home?

While that 17% increase sounds nice, much of it will be spent on transportation costs.
by StevieG72
Thu Jul 27, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: If you were under 30 and had $3000 to invest, what would you do?
Replies: 14
Views: 1175

Re: If you were under 30 and had $3000 to invest, what would you do?

JBTX wrote:Vanguard total market index. As you accumulate more perhaps you consider some international (or perhaps not! ). But for now keep it simple.


+1
by StevieG72
Wed Jul 26, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 70
Views: 6846

Re: Best place to get eyeglasses / no vision insurance

OP update..... Got a comprehensive exam at Costco ( not a member) and left with my prescription. $55 Only hiccup was that PD was not noted on my script. No big deal as it is easy to measure. I will ask next time, however I imagine it doesn't change much. Ordered a pair of glasses with progressive le...
by StevieG72
Sun Jul 23, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Would you chase down this possible hit and run lead?
Replies: 31
Views: 2888

Re: Would you chase down this possible hit and run lead?

I would let it go.

Not worth your time and aggravation, especially since the odds of successfully proving fault are slim.
by StevieG72
Fri Jul 21, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 41
Views: 7107

Re: Chipping away at the mortgage

Don't be too quick to discredit the 15 yr refi.

Run the ammoratization schedule, there is a significant difference in how much of each payment goes to principal with a 15yr. loan.

That combined with the lower interest rate can recoup the closing costs rather quickly.
by StevieG72
Sun Jul 02, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13304

Re: Bogleheads: you should be buying 10-year old cars

I bought my dream car...Brand new, was under the gun since previous vehicle was totaled.

Plan on keeping it for many years.... 20 years? Probably not, my kiddo may be driving it in 10 years and I will get something else.

I don't anticipate having to delay retirement due to my vehicle purchase.
by StevieG72
Fri Jun 30, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17304

Re: Buying house - Very important decision

Wowie wow!

Why do you want to be house poor?

That is way too much house for your family size and income. Heating and cooling a house that size alone is a budget buster.

I recommend reading The Millionaire Next Door.
by StevieG72
Mon Jun 26, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Television Provider Options 2017
Replies: 24
Views: 1512

Re: Television Provider Options 2017

It is a perfect opportunity to try cutting the cable since you are moving.

Give it a try with a digital antenna and streaming services, it may meet your needs.

I enjoy watching lots of movies from my Amazon Fire Stick, but have yet to cut the cord.
by StevieG72
Sun Jun 25, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 941

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

It is a money maker for the shop.

Not needed, skip that service.

Review the owners manual service recommendations. I doubt you find mention of throttle body service at 35,000 miles.
by StevieG72
Sun Jun 25, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13613

Re: Sam's Club vs. Costco

Sam's club for small business owners. Costco for the consumer. If I was just shopping for my family it would easily be just Costco. Sam's club caters to small business needs and I have been a member for many years. I am not impressed with what they offer the average consumer and would not be a membe...
by StevieG72
Sun Jun 25, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: "Disruptive" life insurance
Replies: 8
Views: 1279

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: 2623

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: 1190

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: 896

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: 1446

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: 1272

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: 4526

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: 896

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: 585

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: 1288

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: 2658

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: 794

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: 440

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/pen ... n-lawsuit/


So glad I dodged that bullet ...
by StevieG72
Tue Jun 13, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 3277

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: 2919

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: 23
Views: 2007

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: 2550

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: 7199

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: 630

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: 3105

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: 1062

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: 2583

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: 7806

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: 5448

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: 118
Views: 15087

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: 1308

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: 1757

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: 5660

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: 1308

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: 17441

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: 118
Views: 15087

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.