Search found 1119 matches

by William4u
Sun Feb 19, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Has Raised Its Prices
Replies: 1
Views: 290

Re: TaxAct Has Raised Its Prices

I've used taxact for years, but now I'm using freetaxusa. It seems the same but much cheaper ($12 for fed and state, $10 with a coupon).
by William4u
Sun Feb 19, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 45
Views: 3634

Re: Cheap, Non-Traditional Cell Phone Plans

I love my $80/year pageplus plan. That is right, $80 PER YEAR for 2000 minutes on my Moto G. Most of my phone calls are free and use wifi over google hangouts, which works well on this phone. No one knows I talk for free most of the time. Only when I'm on the road for a long time and lack wifi do I...
by William4u
Sat Feb 18, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3096

Re: New cars or Pool?

As someone who had a pool, I can agree with many of these comments. However, if your kids love swimming, you can afford it, and you don't mind the extra work, it can be fantastic. It worked well for us since the kids and their friends used it a ton through high school. But it does come at a price. O...
by William4u
Fri Feb 17, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Changing asset allocation to include small-cap value, how to transistion?
Replies: 4
Views: 266

Re: Changing asset allocation to include small-cap value, how to transistion?

Vanguard lets you reinvest your dividends into another fund, for example.
by William4u
Fri Feb 17, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: 88 Year Old Mother - advice needed
Replies: 15
Views: 933

Re: 88 Year Old Mother - advice needed

I have a friend whose 70 yo mother was disappointing when she missed the recent stock bull market. The friend recommended a 50/50 stock/bond mix (instead of 100% bonds). The mother took this recommendation, and got really upset at her son when the value dropped 2%. She blamed her son for giving her ...
by William4u
Mon Feb 13, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2262

Re: New car for wife and what to do with old car

See this recent thread on Honda Odyssey. https://www.bogleheads.org/forum/viewtopic.php?t=210698 A great practical car that can handle people, cargo, and combinations thereof. Also a minivan. If she wants practical and likes Honda, check it out. The CRV is ok, but not nearly as flexible and kid fri...
by William4u
Mon Feb 13, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8234

Re: How Much Cash Do You Actually Hold?

About a year's worth.
by William4u
Sat Feb 11, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 128
Views: 16239

Re: Wow, Vanguard Flagship service is bad. Really bad.

I also must recommend the secure message to setup an appointment. My flagship reps, I've had 2, since 2000 have always been knowledgeable and helpful. Yes, Flagship service is very good if you do this. Just find the picture of your rep (lower right), and underneath click on " Create/edit appoi...
by William4u
Sat Feb 11, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2577

Re: Tires for an old car

Most people do not change their ATF (automatic transmission fluid) regularly (e.g., every 30-50k miles). IMHO it should be completely flushed with a filter change throughout the car's life. If you have not done this, then you leave lots of metal shards in the trans, plus spent fluid that does not pe...
by William4u
Fri Feb 10, 2017 1:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 236
Views: 7691

Re: Your USER NAME...what does it mean?

If I recall correctly, William was taken. William1 was taken. I tried William4 and it was taken. So I randomly added a letter and it came up William4u, and that worked.
by William4u
Fri Feb 03, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 3827

Re: Verizon to Cricket or StraightTalk

Page Plus is also a good move for a Verizon user. $40 unlimited (3GB LTE, then throttled) or $30 unlimited talk+text, and 1GB data. I use the $30 plan because I spend most of my life near Wi-Fi, and only use about 500MB of mobile data per month. I cannot find the $30 unlimited talk+text plan. Where...
by William4u
Fri Feb 03, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2474

Re: Lexus PreCollision Safety System (auto braking)

If someone told me "I don't need a car with seatbelts because I'm such a safe driver" I'd think they were very wrongheaded even if she were an exceptional driver. The new safety features make a big difference in a wide variety of situations under which you have little control. You might ne...
by William4u
Wed Feb 01, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Spendthrift Daughter
Replies: 44
Views: 3345

Re: Spendthrift Daughter

For spendthrifts we usually make an independent third party the trustee with absolute discretion or provide for only yearly unitrust (set percentage) payments. Or a combination of both. This is what I would do. It will cause too many personal problems for your heirs to disinherit their sibling/fami...
by William4u
Mon Jan 30, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Donating an old car
Replies: 26
Views: 1575

Re: Donating an old car

We have donated old cars to the kidney foundation. It is very easy. They take thousands of cars a year, and it is painless...


https://www.kidney.org/blog/kidney-cars ... arity-easy
by William4u
Fri Jan 27, 2017 3:28 am
Forum: Investing - Theory, News & General
Topic: Dow hits 20,000. What next? Share your strategy
Replies: 107
Views: 9006

Re: Dow hits 20,000. What next? Share your strategy

Answer: Pretend that I'm dead. One study found that the best investment returns were from accounts of dead people or people who had forgotten they had an account. The idea is that the less one messes with one's investments, the better. http://www.businessinsider.com/forgetful-investors-performed-bes...
by William4u
Wed Jan 25, 2017 12:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7277

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday, Taylor. The world is better off for your 93 years (and counting).
by William4u
Sun Jan 22, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4734

Re: Selling diamond engagement ring

50% sounds about right. Next time, buy from a place (like whiteflash.com) that allows you to apply the full purchase price toward a "trade in" for a bigger stone. Diamond rings depreciate like that the minute you pay for it. The 6k is probable close to the best deal you can get. With a to...
by William4u
Sun Jan 15, 2017 12:49 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5236

Re: Flafship Reps

I still have my rep. Maybe we will get a group photo on our front page if and when we get a group of reps.

It is all rather silly for me, since I never call my rep. If I have questions I get good answers here.
by William4u
Sun Jan 15, 2017 12:22 am
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5236

Re: Flafship Reps

I hope I don't lose the nice professional photo of my rep on my vanguard front page. :happy
by William4u
Sat Jan 07, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 61
Views: 5911

Re: Honda Pilot vs Toyota Highlander?

inbox788 wrote:
queso wrote:Sure wish they made something in between the Highlander and the Sequoia!

They do! It's called the Sienna. :wink:


Just what I was thinking. The Sienna is perfectly sized, if you don't get hung up on the minivan-isnt-a-cool-suv-and-is-for-soccer-moms thing.
by William4u
Mon Jan 02, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 33
Views: 3641

Re: best way to buy TaxAct

I got sick of taxact raising prices like this. I noticed a lot of bogleheads recently recommending freetaxusa.com. I have done much of my 2016 taxes on freetaxusa already and it works just as well as taxact but doesn't cost nearly as much (especially for long term capital gains stock sales, which ta...
by William4u
Tue Dec 20, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: "Trump Rally" with any basis or doomed to come down to earth soon?
Replies: 16
Views: 1614

Re: "Trump Rally" with any basis or doomed to come down to earth soon?

In before the lock! :wink: Long term I think it will hurt the stock market by poor administration of government. Short term it will be a give-away to the rich, which might or might not help stocks. I'm still long on stocks because I think our republic can handle even very incompetent administration ...
by William4u
Sun Dec 18, 2016 5:59 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7583

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

From best to worst: -AWD with 4 snow tires -FWD with 4 snow tiress -AWD with 4 all-season tires From personal expereince, FWD with 4 snow tries and low ground clearence won't get off the driveway in 1-foot snow or go uphill while AWD with 4 all-season tires did. Snow tires are more helpful in slowi...
by William4u
Sun Dec 18, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7583

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

I'm confused about these claims. Are these "snow tires" in the various videos just rubber tires or do they have metal studs added? Rubber studs added? I know "studded snow tires" are great but what are the ones in these reports? I did not find any mention in the linked articles....
by William4u
Sun Dec 18, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 60
Views: 4441

Re: If a tree falls

This has happened to me twice. The law is clear in my state. If it was an act of God, then it does not matter where the tree came from. It only matters where the tree lies on the ground. I pay to clear the tree from my property, and they from theirs.
by William4u
Sun Dec 18, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: VoIP 'Oma' vs 'Vonage' phone
Replies: 39
Views: 2792

Re: VoIP 'Oma' vs 'Vonage' phone

Does Google Voice include caller ID? I've been a long time OOMA customer but was prerry upset when they made caller ID a Premium service that I would have to extra for. Omma is much cheaper than Vonage. Omma also has decent customer support. So between these two - I would choose Omma. However - a t...
by William4u
Sun Dec 18, 2016 3:42 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7583

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

ps- A 2011 study by the ministère des Transports du Québec demonstrates the road safety benefits of legislating winter tires. After the first two seasons of enforcement (winter 2008-2009/2009-2010): • road collisions in winter decreased by five per cent, • 574 fewer people were injured annually in w...
by William4u
Sun Dec 18, 2016 3:31 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7583

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Consumer Reports and others have found 50% decreased braking distance in some snow and ice conditions merely by having winter tires vs all season tires. So the difference is significant... http://www.popularmechanics.com/cars/how-to/a3111/can-all-season-tires-really-handle-the-snow/ http://www.tirer...
by William4u
Sun Dec 18, 2016 3:13 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity ERs - Look Into Your Crystal Ball
Replies: 21
Views: 1744

Re: Fidelity ERs - Look Into Your Crystal Ball

What is especially puzzling is that Fidelity index funds (even those with lower ERs) still produce lower returns than the equivalent Vanguard funds.

viewtopic.php?f=10&t=198320&start=50#p3035180
by William4u
Sun Dec 11, 2016 4:37 am
Forum: Personal Finance (Not Investing)
Topic: My mother is 61 years old and has $0 in savings
Replies: 50
Views: 8760

Re: My mother is 61 years old and has $0 in savings

I agree with much of the advice above. Here is my 2 cents... Your brother has a masters degree in something employable. He should 100% pursue that. It will take some time and effort to get back into his masters field, but with some wrangling it is doable. His wanting to be a writer is like my wantin...
by William4u
Fri Nov 18, 2016 2:49 am
Forum: Personal Consumer Issues
Topic: Corvette to Hybrid
Replies: 55
Views: 5721

Re: Corvette to Hybrid

The RAV 4 Hybrid has basically the same engine and powertrain as the Avalon Hybrid, which has been great. Amazing car. Super reliable and pretty gas efficient. Better for a family than an unreliable BMW.
by William4u
Wed Nov 16, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Which cell phone for 13 year old?
Replies: 59
Views: 3350

Re: Which cell phone for 13 year old?

Everyone I know told me that the minute they gave their 13 yo a smartphone, he/she became more unruly, less empathetic, and lost interest in other hobbies and schoolwork. I'd just get a flip phone with NO smartphone tech. It should be an emergency phone and no more. Some can be programmed to only al...
by William4u
Sun Nov 06, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 45
Views: 3634

Re: Cheap, Non-Traditional Cell Phone Plans

I love my $80/year pageplus plan. That is right, $80 PER YEAR for 2000 minutes on my Moto G. Most of my phone calls are free and use wifi over google hangouts, which works well on this phone. No one knows I talk for free most of the time. Only when I'm on the road for a long time and lack wifi do I ...
by William4u
Sat Nov 05, 2016 10:47 pm
Forum: Personal Consumer Issues
Topic: Any recs for a Linux-compatible laptop?
Replies: 62
Views: 5541

Re: Any recs for a Linux-compatible laptop?

You can get a good used thinkpad off lease from ebay and install linux. $200 or less can get something quite good. Just go to ebay and type in "thinkpad."
by William4u
Sat Nov 05, 2016 8:22 pm
Forum: Investing - Theory, News & General
Topic: Individual stocks that are sound w/ indexing
Replies: 84
Views: 6657

Re: Individual stocks that are sound w/ indexing

For an individual stock I'd go with VTI. :wink:
by William4u
Fri Nov 04, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Fish again
Replies: 17
Views: 3171

Re: Fish again

My understanding is that there is an abundance of sardines because the fish that eat them (larger fish, obviously) are being overfished. Sardines are also some of the most nutritious fish (high in omega 3 etc.), and they live a short life and thus are very low in contaminants like mercury.
by William4u
Thu Nov 03, 2016 12:12 am
Forum: Personal Consumer Issues
Topic: What's the easiest/cheapest way to get a second phone number?
Replies: 34
Views: 2130

Re: What's the easiest/cheapest way to get a second phone number?

Google voice plus a (one time $50) Obi 200 makes for a free phone line forever. We've had ours as the only home phone for years and it works well.
by William4u
Wed Nov 02, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 10430

Re: How much home can/should one buy?

Our home is 1x our annual income, which has been great for us, since it allows us to travel and do stuff with the kids without having to worry about being house poor.
by William4u
Wed Nov 02, 2016 11:15 pm
Forum: Investing - Theory, News & General
Topic: Doubting Your Portfolio Tilts
Replies: 51
Views: 4916

Re: Doubting Your Portfolio Tilts

Tilting for us is a set-it-and-forget it strategy. My IPS says to have 50% of our stock investments in total market (VTI VXUS) and 50% tilted to small-mid value (VBR VOE), small international (VSS), and emerging market (VWO). It might have more ups and downs, but we are not likely to ever change it....
by William4u
Wed Nov 02, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 6884

Re: Instant oatmeal vs "regular" oatmeal

I'm surprised no one yet has mentioned the significant differences between different versions of oats. Unprocessed oats can go rancid quickly in an oxygen rich environment. These oats have enzymes that go rancid, are unstable, and oxidize. Rolled oats are heavily processed in the US. Rolled oats ar...
by William4u
Sun Oct 30, 2016 12:51 am
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 6884

Re: Instant oatmeal vs "regular" oatmeal

I'm surprised no one yet has mentioned the significant differences between different versions of oats. Unprocessed oats can go rancid quickly in an oxygen rich environment. These oats have enzymes that go rancid, are unstable, and oxidize. Rolled oats are heavily processed in the US. Rolled oats are...
by William4u
Sat Oct 29, 2016 11:07 pm
Forum: Personal Consumer Issues
Topic: what to spray on invasive privet to get rid of it
Replies: 6
Views: 1147

Re: what to spray on invasive privet to get rid of it

Goats are pretty cheap and work well.
by William4u
Sun Oct 23, 2016 4:02 am
Forum: Personal Consumer Issues
Topic: Question re: biicycle pump for car tires
Replies: 16
Views: 1442

Re: Question re: biicycle pump for car tires

blixet wrote:
William4u wrote:The pressure for car tires are much lower than the pressure for bike tires anyway.


Not mountain bikes. I run 25-28 lbs. :D


And fat bikes, which can run as low as 5psi.
by William4u
Sat Oct 22, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: Question re: biicycle pump for car tires
Replies: 16
Views: 1442

Re: Question re: biicycle pump for car tires

I use my bicycle pump on my car tires all the time. Have done it for years. It is totally fine.

The pressure for car tires are much lower than the pressure for bike tires anyway.
by William4u
Sat Oct 08, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Keep repairing car or get new car
Replies: 39
Views: 2724

Re: Keep repairing car or get new car

All toyotas has VSC (vehicle stability control) as of 2010 and later (other cars may be 2012 or later). I'd just get any used 2010 toyota and call it a day.
by William4u
Fri Oct 07, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 6947

Re: Vitamix Worth It?

We love ours. Yes, 1000 times yes.
by William4u
Sat Oct 01, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer use SAT/ACT scores?
Replies: 51
Views: 2933

Re: Does your employer use SAT/ACT scores?

I have talked to a number of hiring managers who check GPA, since if someone graduated in the bottom 50% (which is a B now-a-days) they aren't interested if they are just a few years out of school. Never heard of them using ACT/SAT scores though.
by William4u
Sun Sep 18, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 5850

Re: Never invest in ....... ?

...the hot new stock sector that all your friends are now recommending (despite their hot stock tips being unreliable in the past).
by William4u
Sun Sep 11, 2016 11:56 am
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 9484

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Apparently, for Wells Fargo this is only the tip of the iceberg... http://www.usatoday.com/story/money/markets/2016/09/11/wells-fargo-scam-latest-string-infractions/90139724/ So, to make this actionable, if you think solving this one problem might make you stay with Wells Fargo, you might consider t...

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