Search found 1089 matches

by William4u
Fri Nov 18, 2016 2:49 am
Forum: Personal Consumer Issues
Topic: Corvette to Hybrid
Replies: 55
Views: 4697

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: 3112

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: 37
Views: 2591

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: 4115

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: 5261

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: 2705

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: 1783

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: 8583

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: 3798

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: 6451

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: 6451

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: 1099

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: 1356

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: 1356

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: 2523

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: 6421

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: 2746

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: 5529

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: 8682

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...
by William4u
Sun Sep 11, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Slicer for Sweet Potato Fries
Replies: 12
Views: 1180

Re: Sweet Potato Fries - Yum

Buy something similar to https://www.amazon.com/dp/B002L7V1B2/ From the Q&A... "This French Fry cuter will cut sweet potatoes, but to do it smoothly, the sweet potatoes should be cut in half lengthwise before running it through the cutter because sweet potatoes are tougher than white potat...
by William4u
Sat Sep 10, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 8682

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

+1 to well-run credit unions and local banks. Yep. The banks aren't like this anymore. :( https://s11.postimg.org/kn7g0rgwj/121226_wonderful_life1.jpg 20 years ago I belonged to a credit union that was like this. Maybe there are still some of those left. Credit unions are great. Some credit unions ...
by William4u
Wed Sep 07, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 179
Views: 13494

Re: How much is your cell phone bill?

$80/year for 5000 minutes ($6.66/month) Pageplus It is 4 cents a minute, 5 cents a text, and 10 cents per megabyte. I usually do not use it all, so the money rolls over at the end of the year (if you use $40/year, then $40 rolls over the next year when you add another $80 to keep it going another ye...
by William4u
Tue Aug 30, 2016 11:02 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 9160

Re: Fidelity competing harder w/Vanguard

Good for Fidelity, and good for the industry. But as far as my Vanguard VTI holdings go... this new ER is pretty much a yawn. I suggest one forget the minuscule difference in ER's and consider the bottom line, i.e. the funds' performance: http://i63.tinypic.com/250ufx3.png Fidelity's ER could be 0....
by William4u
Mon Aug 29, 2016 4:40 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 9160

Re: Fidelity competing harder w/Vanguard

I've noticed that the Fidelity funds underperform the Vanguard ones by around 2 basis points a year. I wonder if this is (in part) because Vanguard reinvests 100% of the net securities lending income into the fund and Fidelity does not. I do not think there is much transparency on the Fidelity side...
by William4u
Sun Aug 28, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $50k?
Replies: 19
Views: 1599

Re: What to do with $50k?

j0nnyg1984 wrote:
William4u wrote:After you pay it off, I'd do a Roth IRA. At your income you do not even need to do a Backdoor Roth.


I guess you missed the third line in my original post?


Yup. I swear that wasn't there when I read it. :D
by William4u
Sun Aug 28, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 9160

Re: Fidelity competing harder w/Vanguard

Will Fidelity always offer these funds at rock bottom expense ratios? What if they shift strategies and you hold it in a taxable account? There is nothing to see here. Fidelity's index fund expense ratios have been competitive and often lower than Vanguard's for more than fifteen years. Your statem...
by William4u
Sun Aug 28, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: What to do with $50k?
Replies: 19
Views: 1599

Re: What to do with $50k?

After you pay it off, I'd do a Roth IRA. At your income you do not even need to do a Backdoor Roth.
by William4u
Sat Aug 27, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 9160

Re: Fidelity competing harder w/Vanguard

Competition is good. One more reason for me to be happy with having accounts at Fidelity. New money is going into some of these Fidelity (ex Spartan) index funds. I am not worried that Fidelity will raise its expenses - competition should keep the expenses low for some time. Securities lending bene...
by William4u
Thu Aug 25, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 1900

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

The Pilot is most like the Toyota Highlander, which are both the same sized large SUVs based on car platforms. The 4runner is based on a truck platform and rides differently. The much smaller RAV4 is the toyota version of a Honda CRV. They are all good cars. All my friends with children regret gett...
by William4u
Wed Aug 24, 2016 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 14355

Re: Retirement: Where $200K Will Last 30 Years

Belize is an English speaking country, on the Caribbean, not too much to dislike other than lack of US level healthcare facilities. I would not live in Belize, which is one of the most violent countries in the world according to a number of measures... https://www.google.com/search?q=Beliza&oq=...
by William4u
Tue Aug 23, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: 401K Fees [401(k) Lawsuits increasing due to fiduciary standard]
Replies: 27
Views: 1789

Re: Edward Jones Sued Over Its Own Employee 401k Plan

I feel bad for their employees. I've met a couple EJ "financial advisors" who were very young, attractive types who did not seem to have an education in finance. They just took the EJ training for all their financial education. They probably did not know what many here know about EJ. I hav...
by William4u
Tue Aug 23, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Select?
Replies: 14
Views: 1635

Re: Vanguard Flagship Select?

It looks like you'll get 2-3 basis points lower by getting access to institutional (and possibly institutional plus) shares depending on the amount and fund. For the standard S&P 500 Index Fund at Vanguard... Options.....Expense ratio.....Minimum Admiral........0.05%...........$10,000 Instituti...
by William4u
Tue Aug 23, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Select?
Replies: 14
Views: 1635

Re: Vanguard Flagship Select?

I do not have flagship select, but the benefit I imagine would be a little more service and you can get a few more funds. But IMHO the main benefit of Vanguard is being eligible to buy Admiral Total Index Funds, and that starts at $10,000. :D
by William4u
Mon Aug 22, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: Sienna van keys
Replies: 6
Views: 1048

Re: Sienna van keys

mogg and terctun's method have worked for many, and is not too expensive.
by William4u
Mon Aug 22, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 54
Views: 5992

Re: Long wait on Vanguard Phone Lines-What's going on?

I don't need to call for myself, but I called with some elderly family members to help out. I was on hold for about 30 minutes, and then about 3 minuted into the conversation they seemed to hang up on me. Not cool. Called back the next day, same long wait, but helpful representative eventually.
by William4u
Tue Aug 16, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 78
Views: 9053

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

Alliant Credit Union has a $20/month ATM reimbursement. Plus, they have more free ATMs than Wells Fargo. http://www.alliantcreditunion.org/depositsinvestments/checking/atm-rebates I have also heard good things about Alliant Credit Union too especially if you want one spot for Checking + Savings. Sa...
by William4u
Mon Aug 15, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 1900

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

The Pilot is most like the Toyota Highlander, which are both the same sized large SUVs based on car platforms. The 4runner is based on a truck platform and rides differently. The much smaller RAV4 is the toyota version of a Honda CRV. They are all good cars. All my friends with children regret getti...
by William4u
Sun Aug 14, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 7162

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

Suing a minor for low dollar purely accidental damage is a bad plan. Let it go. Even if you win you will likely collect nothing and your karma will very likely take a hit. +1 Nothing you can do that would not be more trouble than it is worth. Sorry, but sometimes you have to eat an unexpected expen...
by William4u
Sun Aug 14, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1936

Re: Sealing Asphalt Driveway

In the south it might not make a big difference, but in the north an un-sealed asphalt driveway wears out fast due to the ice and cold. How does ice and cold wear out a driveway? Water or moisture seeps into the seams of the driveway, then frost freezes it, thereby expanding the surface of the seam...
by William4u
Sun Aug 14, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1936

Re: Sealing Asphalt Driveway

In the south it might not make a big difference, but in the north an un-sealed asphalt driveway wears out fast due to the ice and cold.
by William4u
Sat Aug 13, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Move account from Morgan Stanley?
Replies: 16
Views: 915

Re: Move account from Morgan Stanley?

You really need to understand how much Morgan Stanley is costing you. I left our 401k advisor with UBS after learning my employer had modified the plan to permit self directed investments at Charles Schwab and fully 1/2 of my annual 401K contributions were paying the AUM fee. And while the advisor ...
by William4u
Mon Aug 08, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 2955

Re: How dangerous is Kids Gymnastics?

All kids sports have risks of injury. I still have football injuries from when I was young. But the benefits outweigh the risks. So many benefits. It is worth it IMHO. I'd encourage his passion for any sport (among those that you listed).
by William4u
Mon Aug 01, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 6273

Re: Winter Tires: Yay or Nay

Here's a somewhat related question: what's the difference between winter tires and snow tires. In NJ, the snow is cleared from the roads pretty quickly, and I find sufficient "traction" with my AWD, but the best plowing in the world (which NJ doesn't have) won't make the temperature any h...
by William4u
Mon Aug 01, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 7168

Re: Should I flip my neighbor's house to save the neighborhood?

I'd probably do it, but it is going to be a lot of work and might cost you a few thousand. I wouldn't want to live next to a house that is falling apart. But it is a matter of how strong your preference is and how much work and money you are willing to put into the project. You might fix it up so ni...
by William4u
Mon Aug 01, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 105
Views: 6273

Re: Winter Tires: Yay or Nay

Much ado over nothing. I grew up in lake effect snow heavy parts of Michigan and never once owned snow tires or a fwd car. My advice for any location south of Alaska, based on personal experience: 1) own a fwd car - no need for winter tires 2) own an awd car - no need for winter tires 3) own a rwd ...
by William4u
Mon Aug 01, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: What is a modest retirement (definition)?
Replies: 66
Views: 6659

Re: What is a modest retirement (definition)?

Only on Bogleheads would you see a $5M portfolio described as modest. On the Internet no one can see someone else's tongue in their cheek. At some point in the future, inflation will make $5M a modest portfolio. $10,000 in 1950 is worth $100,000 today inflation-adjusted. At the same rate in 65 year...
by William4u
Sun Jul 31, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is a modest retirement (definition)?
Replies: 66
Views: 6659

Re: What is a modest retirement (definition)?

Only on Bogleheads would you see a $5M portfolio described as modest. On the Internet no one can see someone else's tongue in their cheek. At some point in the future, inflation will make $5M a modest portfolio. $10,000 in 1950 is worth $100,000 today inflation-adjusted. At the same rate in 65 year...
by William4u
Sun Jul 31, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Fiat 124 - good/bad/indifferent ??
Replies: 12
Views: 1055

Re: Fiat 124 - good/bad/indifferent ??

According to Consumer Reports' latest reliability ratings, Fiat is the worst of all car makes.

Look at the very bottom to find Fiat's reliability...

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