Search found 1141 matches

by William4u
Sat Mar 25, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 4604

Re: Vehicles as a percentage of net worth

Yeah, at my Toyota dealership you can choose between a lower price for the car (usually a special incentive or rebate) or 0% financing (but not both). I get the lower price with the higher APR and then pay off the loan immediately (the dealership gets incentives from toyota to push the financing th...
by William4u
Thu Mar 23, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 4604

Re: Vehicles as a percentage of net worth

Is it really that much of a sin to borrow money to pay for a car? I almost always qualify for a <2% loan, sometimes even 0% for x number of months. Wouldn't that be worth it? It's about revenue. The dealership likes to make money. I haven't seen any consistent method of getting 0% unless you pay MS...
by William4u
Wed Mar 22, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 4604

Re: Vehicles as a percentage of net worth

Our cars are about 0.25% of our net worth. We hate having depreciating assets, so we try to be frugal with our cars (although safety and reliability are key).
by William4u
Tue Mar 21, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 32
Views: 1604

Re: Do I need new tires?

2/32 is way to low even if it is legal.
by William4u
Tue Mar 21, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1183

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

gtownsend wrote:I, too, am sold on Eneloops batteries, and I like the LaCrosse BC-700 charger.


+1 I have both and they are the best currently available.
by William4u
Fri Mar 17, 2017 5:12 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 3817

Re: Help with rebuttal to a Facebook post

Would you guys more familiar than I with the index funds and the tricks mutual fund pushers use give a rebuttal to these charts. I know they are blowing a lot of smoke, but I'd like some wiser eyes to explain it so I can shut him up! Thanks, and have no mercy It's intellectually dishonest for an ad...
by William4u
Thu Mar 16, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3105

Re: How do you cope with regret over selling too soon?

Follow the Boglehead Philosophy.. 1. Only buy low cost index funds. 2. Invest for the long term. 3. Ignore the noise, ignore the news (pretend that you're dead). 4. Stay the course and follow your IPS (and learn what a Boglehead IPS is). 5. Stay the course. 6. Stay the course. Stay the course and do...
by William4u
Wed Mar 15, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 2007

Re: Costco tire - Michelin vs Bridgestone

The Michelins are better IMHO and worth it.
by William4u
Mon Mar 13, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Which 403b out of these choices?
Replies: 5
Views: 430

Re: Which 403b out of these choices?

All excellent. The 2nd option with Vanguard is best for large accounts.
by William4u
Wed Mar 08, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small caps?
Replies: 37
Views: 3164

Re: Do I need small caps?

Total market is all you need.
by William4u
Tue Mar 07, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1718

Re: Am I Paying Too Much in Expense Ratio?

Ughhh I was expecting this. I have a work TSP which has a pretty aggressive set up currently. These funds in Acorn and Gabelli are just for a brokerage account. I have had them for awhile so i don't think there is a deferred load, but regardless I am going to pull them out and move them over to Van...
by William4u
Tue Mar 07, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1718

Re: Am I Paying Too Much in Expense Ratio?

Also, an extra 1% annual ER over 40 years can easily take 1/3rd of your retirement money. So, instead of $3 million, you would have only $2 million for no good reason. See this data from Vanguard... CUMULATIVE IMPACT OF FEES: ................................. Annual Fee ............ .0.10% ....... 0...
by William4u
Tue Mar 07, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1718

Re: Am I Paying Too Much in Expense Ratio?

Yes, that is very, very high. IMHO anything above 0.20% is high. Anything above 1% is very high. Over 2% is insane and criminal.

VTI is 0.05%.
by William4u
Sun Mar 05, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5883

Re: Camry Redesign

For most Americans, the #1 risk of death in any one year is in a car crash . And yet one's odds of being seriously injured in a crash and many, many times that. According to this http://www.medicalnewstoday.com/articles/282929.php all accidental deaths (car accidents were only a part) were the #4 c...
by William4u
Sun Mar 05, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5883

Re: Camry Redesign

How many safety improvements have there been on cars since you bought your 2000 Camry? Quite a lot, I think. Will the 2018 Camry be better than the 2017 in this regard? Certainly yes. However, how does that balance out against the risk of driving your 17 year old car another year (or two) vs. drivi...
by William4u
Sun Mar 05, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5883

Re: Camry Redesign

2002 Camry is a lot less safe than the 2017 prius or camry. But the over all risk reductions ( say from 20 deaths per 10million miles to 10) isn't that huge. Your odds of dying might be cut in half but your odds of dying are still tiny. Using your example, I regard the risk difference as "nois...
by William4u
Sat Mar 04, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5883

Re: Camry Redesign

The 2018 Camry will have TSS-P standard on all trims, which IMHO is huge. The safety features have been shown to be "the new seat belt."

http://www.toyota.com/owners/resources/ ... fety-sense
by William4u
Wed Mar 01, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Need a FSA expert, can't find the answer online clearly...
Replies: 6
Views: 392

Re: Need a FSA expert, can't find the answer online clearly...

My understanding is the "work related" part is very liberal. If one of you works, you can claim that the child care helps you work. We got a night nurse and it was covered by our FSA, since not sleeping at night affected my work. I would, however, double check with your FSA provider. They ...
by William4u
Wed Mar 01, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need a FSA expert, can't find the answer online clearly...
Replies: 6
Views: 392

Re: Need a FSA expert, can't find the answer online clearly...

In our employer's FSA, you put money in separately for child care and for health care. If and only if you put money in for child "dependent care" can you use it for babysitting services. There are some rules, but they are pretty liberal. Most anyone can babysit, and if they give you the fo...
by William4u
Mon Feb 27, 2017 10:59 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3401

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

I've only been actively posting here for about the last 5 years, but I learned a lot from the forum even before I ever had a username. Such a gift to the investing community.
by William4u
Mon Feb 20, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4122

Re: Disney Cruise instead of Disney World?

Thank you to everyone for your opinions and advice. After much though and research we've booked a Royal Caribbean cruise for the very end of May/start of June. We found it to be a good price compared to a Disney cruise, and more relaxing and somewhat less planning then Disney World (at least on pap...
by William4u
Sun Feb 19, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Has Raised Its Prices
Replies: 2
Views: 629

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: 52
Views: 4893

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: 65
Views: 4102

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: 290

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: 1034

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: 2494

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: 110
Views: 10725

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: 150
Views: 21004

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: 2721

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: 290
Views: 13292

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: 3980

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: 2585

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: 3408

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: 1621

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: 9172

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: 7836

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: 4793

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: 5483

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: 5483

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: 6470

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: 39
Views: 4488

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: 1728

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: 7960

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: 7960

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: 4550

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: 2901

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: 7960

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: 7960

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...

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