Search found 677 matches

by StevieG72
Tue Feb 20, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 43
Views: 2064

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: 918

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: 469

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: 1133

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: 498

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: 16701

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: 786

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: 523

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: 21
Views: 2138

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: 169
Views: 31572

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: 16701

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: 1577

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: 6447

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: 125
Views: 8936

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: 116
Views: 10567

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: 110
Views: 6325

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: 10058

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: 15928

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: 261
Views: 14432

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!
by StevieG72
Sat Feb 03, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: How to receive large payment for a boat, PayPal vs Wire
Replies: 31
Views: 1970

Re: How to receive large payment for a boat, PayPal vs Wire

Meet at purchasers bank with the boat. Go to cashier with them and watch them get a cashiers check. Take the check and give them the title. Unhook the boat and go. You will get hosed if you use PayPal. Cashiers check is the safest. you don't really have to go to buyers bank tho, just ask them to ge...
by StevieG72
Sat Feb 03, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: How to receive large payment for a boat, PayPal vs Wire
Replies: 31
Views: 1970

Re: How to receive large payment for a boat, PayPal vs Wire

I would avoid paypal like the plague. The fact that the buyer wants to use paypal is a red flag.

Are you dealing with a local buyer? Have they seen the boat?

If not you are likely dealing with a scammer.
by StevieG72
Mon Jan 29, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Buying rebuilt/salvage vehicles on Ebay
Replies: 22
Views: 1241

Re: Buying rebuilt/salvage vehicles on Ebay

Ex: Below link shows a Prius V that am interested - listed for 11k. How much could I offer? https://www.ebay.com/itm/2013-Toyota-Prius-V-PRIUS-HYBIRD-V-5-FIVE-EDITION/112766551288 A hybrid car with a flood/salvage history? No offense but you would have to be crazy to seriously consider such a purch...
by StevieG72
Mon Jan 29, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Business License for cycling tours
Replies: 9
Views: 588

Re: Business License for cycling tours

You probably need insurance, we live in a very litigious society.

Also a good idea to have participants sign waivers stating they accept the risks.
by StevieG72
Mon Jan 29, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3898

Re: what do/did you do with your evenings with a Toddler in winters ?

She runs around making messes and writing on the walls mostly. She tags along with what the rest of the family is doing. I wouldn't take a toddler to a museum unless the rest of the family was going. She would be far more interested in writing on the walls. That is too funny. I think I still have s...
by StevieG72
Sun Jan 28, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2324

Re: Keeping a new BMW shiny!

I use Maguires wash, good product. 2 bucket method with grit guards. Use plenty of water. Do not wash using a swirling motion, make as few passes as needed to clean car. (less is more!) Dry vehicle with microfiber towels. Lots of detailing videos on youtube. Chemical Guys have some good products but...
by StevieG72
Sun Jan 28, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 237
Views: 20586

Re: In what ways could BogleHeads be badly wrong ?

May have underestimated the benefits of DIY investing.
by StevieG72
Sun Jan 28, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: Please suggest a book for a co worker
Replies: 4
Views: 352

Re: Please suggest a book for a co worker

The Bogleheads Guide to Investing

I have bought this for a friend who uses a FA, costs matter is a resonating theme.
by StevieG72
Sun Jan 28, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: LLC, a New Car and Me
Replies: 4
Views: 560

Re: LLC, a New Car and Me

S Corp owner here. I have looked into it, and in my opinion it is more trouble than its worth. Are you establishing the LLC yourself? Do you do your own taxes? The IRS guidlines / requirments for a business vehicle are restrictive and well defined. If this vehicle is going to be used primarily for p...
by StevieG72
Sat Jan 27, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 13337

Re: Your shopping strategy for new tires?

Go to Sam’s club website. See which tires they currently have a rebate on, if Michelin find the size I need and make the purchase. If it is another brand, wait until Michelins have a rebate and then make purchase. Sam’s rotates rebates monthly between most popular brands. I have price shopped numero...
by StevieG72
Fri Jan 26, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19397

Re: I bought a stock today - Redfin (RDFN)

20% of an individual stock is heresy!

Do you also own REITs?

You may want to dial that back a bit.

Did your research include a thorough review of the financials? Do you understand them? I don’t, which is why I stick to TSM.

Good luck, I hope you are successful!
by StevieG72
Fri Jan 26, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Did I just commit market timing with "dry powder"?
Replies: 46
Views: 3993

Re: Did I just commit market timing with "dry powder"?

Your “dry powder” got wet! I read your post thinking what in the world is this “dry powder” analogy. Learned something new, I am done for the day! 100% stocks is aggressive, how many years until retirement? I am roughly 15 yrs and hold 70/30. Closely mirroring Vangaurds target retirement portfolio f...
by StevieG72
Fri Jan 26, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 46
Views: 2936

Re: What will you do with your tax refund?

I will be paying taxes to federal for sure.

I may get a state refund due to a large contribution to a 529 plan. This will be applied to 2018 to reduce quarterly estimated tax payments.

Side note, never loan money to anyone who will repay contingent on thier tax refund!
by StevieG72
Thu Jan 25, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Have you ever acted on an instinct like this?
Replies: 30
Views: 3315

Re: Have you ever acted on an instinct like this?

I think this is commonly referred to as dumb money.

Folks that get in at the tail end of a movement.
by StevieG72
Thu Jan 25, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Did a good deed today [talked friend out of VULI]
Replies: 9
Views: 1116

Re: Did a good deed today [talked friend out of VULI]

Good job, you went the extra mile for your friend!
by StevieG72
Thu Jan 25, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Side hussle ideas
Replies: 16
Views: 1625

Re: Side hussle ideas

If you want something exciting try driving for Uber.

A friend of mine did this for a few months over the summer and was never short on stories about his experiences.
by StevieG72
Thu Jan 25, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Money Markets vs. High Yield Savings
Replies: 12
Views: 1407

Re: Money Markets vs. High Yield Savings

Neither!

High yield tax exempt bonds.
by StevieG72
Thu Jan 25, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5466

Re: Exterminator Accidently Sprayed our Home

https://www.saferbrand.com/articles/what-is-pyrethrin-is-it-safe Is your cat strictly indoors? If so you have nothing to worry about. Reporting to the BBB will notify the employer of your concern and give them the opportunity to respond. Service based businesses do not want bad BBB ratings, it will ...
by StevieG72
Thu Jan 25, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5466

Re: Exterminator Accidently Sprayed our Home

I would not be happy. I would recommend doing nothing. You got a free pest treatment. I know, you don’t want it even if it is free. Trying to wash away the pesticide doesn’t sound like it will help much. It could spread pesticide to unintended areas. The pesticides used are highly regulated, while t...
by StevieG72
Tue Jan 23, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Lawn service etiquette
Replies: 36
Views: 3746

Re: Lawn service etiquette

I would tell them that anything outside of the normal monthly charge for routine work needs your approval.

$700 for pine straw in the flowerbeds? Do you have a acres of property? That sounds excessive to me unless your property is large.
by StevieG72
Tue Jan 23, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 108
Views: 24036

Re: Vanguard opens special offices for $1 million clients

I would prefer a coffee mug once my account reaches $1 million. Same here. NWIH they would ever open an office near me. I received two Vangaurd Mugs for Xmas. I really like the mugs, but am a little disappointed in the quality. They don't seem to keep coffee hot as long as some similar mugs I own, ...
by StevieG72
Tue Jan 23, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3654

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

I am trying not to be greedy.

Put in an exchange order to re balance.

I drifted 8% from target.
by StevieG72
Sun Jan 21, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 219
Views: 27087

Re: Does anyone here with net worths north of $1 mil use financial advisors?

My friend does, I bought him The Bogleheads Guide to Investing, he never finished the book. He is on his 3rd financial advisor in as many years. The 2nd one managed to lose $40k on Linn Energy & get him invested in some illiquid REIT funds. The current one held too much cash last year, and continues...
by StevieG72
Sun Jan 21, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 5943

Re: Should I buy a business or suck it up at a job(s) with a pension.

Suck it up!

Pension and health care is a homerun! Stick with it.

I am a business owner and I may be working paste 55 due to affordability of health insurance.
by StevieG72
Sun Jan 21, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: [Bogleheads' Guide to Investing - Is this calculation correct?]
Replies: 8
Views: 1173

Re: [Bogleheads' Guide to Investing - Is this calculation correct?]

Oicuryy wrote:
Sun Jan 21, 2018 11:27 am
The table looks wrong to me, too.



Image



And the numbers given for the newsletter look wrong if the quote in this post is right.

viewtopic.php?t=13424



Ron
Thanks for posting the chart.



Ok, that IS some goofy math.
by StevieG72
Sun Jan 21, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: [Bogleheads' Guide to Investing - Is this calculation correct?]
Replies: 8
Views: 1173

Re: [Bogleheads' Guide to Investing - Is this calculation correct?]

While not looking at the chart in question, I think the gain is simply not including the original $10,000.

Nor is the loss.

I may be wrong, I am still in bed....
by StevieG72
Sat Jan 20, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Canada
Replies: 15
Views: 1741

Re: Moving to Canada

2 yrs. in Canada, you will not be coming back!

Canadians are wonderful people, enjoy!
by StevieG72
Sat Jan 20, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 7628

Re: Lost money through Bitconnect scam - learned my lesson

Thanks for sharing your experience.

We can learn from others mistakes.

Hopefully you will recover some money in the future and the folks responsible for this failure will be held responsible.
by StevieG72
Sat Jan 20, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 163
Views: 18132

Re: How to Minimize Your Emergency Care Expenses

Thanks for posting, great information. I learned the hard way, will not make that mistake again. Things have changed! An ER visit used to be a $50 or $100 copay. Nowadays everyone is on a high deductible plan so you will pay much more for that visit. I now will try to see PCP first for any ailment t...