Search found 813 matches

by William4u
Fri Feb 05, 2016 11:30 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3411

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

I believe the OP still has about 35k miles before the timing belt is due to be changed on the regular Honda maintenance schedule. It isn't due until 105k.
by William4u
Thu Feb 04, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Charities for Bogleheads?
Replies: 23
Views: 1133

Re: Charities for Bogleheads?

I like the GiveWell organization a lot -- they make recommendations on which charities can do the most good with your money. The evaluation process is much more rigorous than most charity watch programs, and consequently they only recommend a few charities every year. These aren't always the most g...
by William4u
Tue Feb 02, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Alternative to Briggs & Riley Luggage
Replies: 33
Views: 2138

Re: Alternative to Briggs & Riley Luggage

I'm looking for a modestly priced 4-wheel "spinner" that rolls well and can last the test of time. I bought one last year and it is falling apart.
by William4u
Sun Jan 31, 2016 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Banks or credit unions
Replies: 37
Views: 2244

Re: Banks or credit unions

Credit Unions. Period.

Consumer Reports loves them as well.
by William4u
Sun Jan 31, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3411

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

1. The normal timing belt replacement schedule for a V6 Accord is 105,000 miles. You have some time on that one. 2. It is important to get it done at that time. A well-maintained Accord should last a long while (unless the transmission goes). 3. A good independent mechanic can do it for less. Many o...
by William4u
Thu Jan 28, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Eating money eating out! Going on a 401k diet. Help!
Replies: 27
Views: 2883

Re: Eating money eating out! Going on a 401k diet. Help!

FWIW your rent payment equates to a monthly mortgage payment on a $250,000 mortgage. And he/she has a roommate while paying that $1300/month on rent and utilities. That seems high, even in a HCOLA. There are many places to cut down on costs here. Also, there is no mention of the cost of travel and ...
by William4u
Tue Jan 26, 2016 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 28
Views: 1700

Re: Should I leave Ameriprise?

Yes, a 1000 times yes.
by William4u
Tue Jan 26, 2016 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: How bad off are we?
Replies: 24
Views: 3746

Re: How bad off are we?

Vanguard has two excellent retirement calculators that you should try. 1. Retirement nest egg calculator How long will your retirement nest egg last? How much could your investments grow? Answer a few questions to see a long-term projection. Then try making a few changes to view the impact on your r...
by William4u
Sun Jan 24, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Brake pads/rotors: will shop install my parts?
Replies: 24
Views: 1803

Re: Brake pads/rotors: will shop install my parts?

In defense of letting the shop buy your parts, I had a $20 part installed in my car, as part of a process that involved over $500 in labor that I wasn't comfortable doing (or buying the tools to do) myself. I could have bought the part for less than $10. The part failed. It cost me nothing to have ...
by William4u
Sat Jan 23, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead Way of Employment
Replies: 82
Views: 6607

Re: The Boglehead Way of Employment

Beyond that, I would recommend getting a strong background in disciplines like math, philosophy, and computer science, which can help us approach any problem. This was very useful advice I actually received from a Nobel Prize winning physicist in college. He suggested that I major in math for this ...
by William4u
Sat Jan 23, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones accounts - leave open or close?
Replies: 31
Views: 1978

Re: Edward Jones accounts - leave open or close?

Toons wrote:" Have Vanguard/Fidelity take over the accounts"

I suggest you take that route.
They will make it seamless for you.
Go ahead and pay closing fees if you have to.
You won't give it a moments thought as time moves on.
Contact Vanguard. :happy


+1 This is the only way to go IMHO.
by William4u
Sat Jan 23, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Brake pads/rotors: will shop install my parts?
Replies: 24
Views: 1803

Re: Brake pads/rotors: will shop install my parts?

My usual advice for service - find a local independent that services your make . Mine charges about the same for rotors and pads for our german cars as I could buy them for. You'll possibly also find that the kind of hard upsell that goes on in some of the chain stores is missing. Look for a place ...
by William4u
Sat Jan 23, 2016 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: How bad off are we?
Replies: 24
Views: 3746

Re: How bad off are we?

We live in NJ in a moderate home but expenses are still high, especially health insurance (even though employer pays almost half). We have no pensions or other retirement benefit (other than 401k). Any increases in salary that my husband receives between now and the time he retires will be dedicate...
by William4u
Sat Jan 23, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Brake pads/rotors: will shop install my parts?
Replies: 24
Views: 1803

Re: Brake pads/rotors: will shop install my parts?

Most won't, since much of their profit comes from the upcharge on the parts. I don't blame them for the upcharge, since running a shop is very expensive. Personally, I like doing this job myself, as it is relatively easy if you know a few key facts about how to do the job.... https://www.youtube.com...
by William4u
Fri Jan 15, 2016 12:06 am
Forum: Personal Consumer Issues
Topic: My Car Broke. Buy New Car or Fix?
Replies: 50
Views: 4553

Re: My Car Broke. Buy New Car or Fix?

I ended up buying an engine on carparts.com, having it shipped to the cheapest local mechanic. The whole thing was $3500. I think this is reasonable, and the engine I got had only 65k miles on it. I hope it is not going to be job security for the mechanic. Who knows if the engine 65k is not a lemon...
by William4u
Thu Jan 14, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: My Car Broke. Buy New Car or Fix?
Replies: 50
Views: 4553

Re: My Car Broke. Buy New Car or Fix?

I ended up buying an engine on carparts.com, having it shipped to the cheapest local mechanic. The whole thing was $3500. I think this is reasonable, and the engine I got had only 65k miles on it. I decided to have it fixed, as the car otherwise was in good shape. I couldn't find anything close for...
by William4u
Thu Jan 14, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS
Replies: 78
Views: 8886

Re: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS

[...]This chart from Business Insider is telling about how people (a) buy high when stocks are popular and rising and (b) sell low in a panic when stocks are unpopular an falling (although I don't like the "you suck" on the chart)... http://static4.businessinsider.com/image/53ea7b5ceab8ea...
by William4u
Thu Jan 14, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS
Replies: 78
Views: 8886

Re: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS

The stock market drops like that every decade or so. The prediction will eventually come true. But so what? That's just normal market stuff. It is still best to just stay the course with the boglehead philosophy. Rebalance and relax. You will make more returns if you just ignore the noise. Remember,...
by William4u
Mon Jan 11, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4960

Re: Job Prospects for English Majors?

I would advise her to memorize the following, "Would you like fries with that?" My sister has a PhD in Art History. She never did fast food but hasn't really gotten on with what I consider life. That is in NYC with a degree from a top-tier college. And I'm talking two decades post grad. S...
by William4u
Mon Jan 11, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4960

Re: Job Prospects for English Majors?

The average mid-career salary for a BA in English is $75.3k/year. Not too bad. Most English majors work for a business/company of some sort (like most any major). Like others said, the major matters less than the work ethic. The important thing is for her to get a bachelors. Outside of the elite ma...
by William4u
Sat Jan 09, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4960

Re: Job Prospects for English Majors?

I'll add to this based on experience working with folks that have gone this route. Case 1: Ivy League English Major Career Path: Non Profit, Private Companies for Strategy, Top MBA Program, Investment Banking Case 2: Local College English Major Career Path: Non Profit, MA Degree, Higher Ed Administ...
by William4u
Fri Jan 08, 2016 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4960

Re: Job Prospects for English Majors?

We have been in a similar career -counseling mode with our daughter who is a History major (Liberal arts). Initially we pleaded with her to get a business degree as she is truly a natural born salesperson and manager. Although she followed her heart to be a history major, we are confident her commu...
by William4u
Fri Jan 08, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: thoughts on AAPL
Replies: 17
Views: 900

Re: thoughts on AAPL

Your post shows that you are thinking of making two fundamental mistakes, according to the Boglehead Philosophy. First, market timing is a losing game according to the evidence. It is in direct contradiction with the core Boglehead philosophy... "Bogleheads® investment philosophy: Never try to ...
by William4u
Fri Jan 08, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: FXAIX Fees
Replies: 11
Views: 492

Re: FXAIX Fees

Those are some of the lowest fees I've seen. Excellent fund. You are indeed lucky.
by William4u
Fri Jan 08, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4960

Re: Job Prospects for English Majors?

If she could minor in some business field, this would give her some options for employment. Technical writing, marketing and some business jobs would be a few examples. Years ago I knew of a national management/IT consulting company that hired a lot of English majors for their communications skills...
by William4u
Fri Jan 08, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5696

Re: Jackpot Now Estimated $700 Million, who's in?

Two words: diminishing returns. 700 million dollars is not worth 700 million times what one dollar is worth. So the expected utility (multiplying the odds of winning times the value of the prize) is much lower than multiplying 700 million times the odds of winning. Thus, it is likely decision-theore...
by William4u
Fri Jan 08, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4960

Re: Job Prospects for English Majors?

If she could minor in some business field, this would give her some options for employment. Technical writing, marketing and some business jobs would be a few examples. Years ago I knew of a national management/IT consulting company that hired a lot of English majors for their communications skills...
by William4u
Fri Jan 08, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4960

Re: Job Prospects for English Majors?

The average mid-career salary for a BA in English is $75.3k/year. Not too bad. Most English majors work for a business/company of some sort (like most any major). Like others said, the major matters less than the work ethic. The important thing is for her to get a bachelors. Outside of the elite mat...
by William4u
Tue Jan 05, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 8269

Re: Fidelity 2% Amex: Security Annoyances

It looks like the VISA card is a better deal than my current Fidelity FIA VISA card. Because this will be 2% back on everything, whereas the old car is only 1.5% back on the first $15,000 (an effective $75 annual fee). Like the other person, above, I also wonder if I'll have to unlock my credit to ...
by William4u
Tue Jan 05, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k only has one cheap index fund...
Replies: 10
Views: 664

Re: My 401k only has one cheap index fund...

It's the best move to only use the BlackRock fund. You're fortunate to be able to build around that with a Solo 401K and a Roth, etc. +1 I'd definitely go 100% in the cheap S&P500 fund. It is well diversified and just fine. You can diversify further outside your 401k (e.g., in an IRA or your so...
by William4u
Mon Jan 04, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: profitable hobby?
Replies: 113
Views: 9717

Re: profitable hobby?

If you are healthy, you save a lot of money. Biking, hiking can be cheap and healthy.
by William4u
Tue Dec 29, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: Price to replace the catalytic converters in a Toyota Highlander
Replies: 50
Views: 2762

Re: Price to replace the catalytic converters in a Toyota Highlander

If you have not lost power yet, you likely can continue to drive it with no issues. When cats get clogged, you will notice it. Get on the highway and floor it. Does it hesitate and cough? If not, they're not clogged. We had a clogged cat and it slowly got worse (over a year) and then was quite obvi...
by William4u
Fri Dec 25, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Worn Out Blue Collar Shift Worker
Replies: 18
Views: 3877

Re: Worn Out Blue Collar Shift Worker

Wow! $14.5K a year or $112K (or even $237K) lump sum? No question, I'd take the pension especially if it starts paying at age 56. You can't match that with a SPIA and you can't take anywhere near that much out of a stock/bond portfolio safely. Just what I was thinking. The pension is worth way more...
by William4u
Mon Dec 21, 2015 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 500k in Vanguard?
Replies: 13
Views: 2265

Re: Where to put 500k in Vanguard?

Roughly guessing...

25% Vanguard Total Market Admiral
25% Vanguard Total International Market Admiral
50% Vanguard Total Bond

For tax efficiency, try to put bonds in tax advantaged accounts (if you have them) and stocks in taxable.
by William4u
Thu Dec 17, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9587

Re: I would like to play the Boglehead car game too

Not because of the status symbols but because there have been a lot of safety advances since 2000. Even without looking at any crash test result improvements your Toyota probably does not have ESC, limited or no side airbags, no backup camera much less any of the new collision avoidance systems tha...
by William4u
Sat Dec 12, 2015 4:12 pm
Forum: Investing - Theory, News & General
Topic: Check-In on Emerging Market Sentiment
Replies: 57
Views: 4739

Re: Check-In on Emerging Market Sentiment

I'm at about 7% EM and staying the course.
by William4u
Sat Dec 12, 2015 4:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2671
Views: 530257

Re: U.S. stocks in freefall

The S&P 500 is up about 70% since this thread started.

:D
by William4u
Sun Dec 06, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11143

Re: A car nicer than the boss?

This thread is hilarious. The CEO of a company we bought told the VP of Sales to buy a nicer car than the CEO drove because impressions matter. :) This is what I was thinking. My family and friends who have experienced coworker peer pressure for buying stuff find that the pressure is to buy more ex...
by William4u
Tue Dec 01, 2015 1:16 pm
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 41
Views: 4383

Re: How to encrypt files for backup?

IMHO, 7-zip is the easiest, free, and as secure as the others. If you ZIP a file with a password, anyone with the password can open it on a windows or mac machine without any special software. All computers can open an encrypted ZIP file, as long as they have the password. http://www.7-zip.org/ I j...
by William4u
Mon Nov 30, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 8803

Re: Honda Accord broke down last night

Consumer Reports put out the reliability rankings Oct 20, 2015...

http://www.consumerreports.org/cars/how ... eliability


Image
by William4u
Sat Nov 21, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: What car would you buy today for $6000?
Replies: 57
Views: 4293

Re: What car would you buy today for $6000?

You can get any variety of perfectly good cars for $6000. I just saw a Toyota Prius 2007 with 136k for that much. It should go to 200k with regular maintenance. Any Toyota that has been well cared for is fine. There is a recent thread about car reliability here... https://www.bogleheads.org/forum/vi...
by William4u
Fri Nov 20, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 2525

Re: Recommended Snow Tires

I've been using The Michelin XIce Xi3 the last 3 years. Getting excellent wear from them and they handle snow and cold dry weather great. Car and Driver just did a test and rated the XIce 2nd to the Nokian r2 which doesn't come in the sis I'd need anyway an is pretty pricy. The Blizzak WS80 I've he...
by William4u
Fri Nov 20, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 5607

Re: Are Subarus reliable?

Consumer Reports put Subaru #5, and Lexus & Toyota #1 & #2. They put out the reliability rankings Oct 20, 2015... http://www.consumerreports.org/cars/how-car-brands-compare-for-reliability Based on this, Subarus are as reliable (on average) as a Kia or Buick, and more reliable than a Honda....
by William4u
Thu Nov 19, 2015 8:42 pm
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 2525

Re: Recommended Snow Tires

After doing a deep dive into reviews and digesting the info, I concluded that if you are actually driving on snow and ice all the time, Nokians are the best. IF, like me in an ice-storm climate, you are driving on pavement 90% of the time, and occasionally hitting patches of ice or snow, then the X...
by William4u
Thu Nov 19, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 2525

Re: Recommended Snow Tires

Consumer Reports strongly recommends winter tires, and argue that AWD is not even close for safety in snow and ice. Having only 2 winter tires can cause more harm than good. Four winter tires are needed. Consumer Reports put up two very informative videos on the subject of winter tires just a few we...
by William4u
Wed Nov 18, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 5607

Re: Are Subarus reliable?

Consumer Reports put Subaru #5, and Lexus & Toyota #1 & #2. They put out the reliability rankings Oct 20, 2015...

https://www.youtube.com/watch?v=IfpZRbjzeUU
http://www.consumerreports.org/cars/how ... eliability
by William4u
Mon Nov 16, 2015 5:24 pm
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 89
Views: 17915

Re: How I beat Indexing... in 1 hour

1) Beginner's Luck 2) Let Vanguard do most of research for you 3) Take some chances, do a modicum of research 4) Enjoy nice Capital grille Dinner, knowing you beat the market, and the Index Funds 5) Beginner's misfortune. The lesson you learned is that you can have "fun" and win if you do...
by William4u
Mon Nov 16, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: High Earner Careers?
Replies: 254
Views: 26542

Re: High Earner Careers?

Of the friends I know that earn more than me as a medical professional, Wall Street banker, or big 3 consultant (again, not a VAST MAJORITY of MBA grads), all are very hard workers and put in a ton of time at work; I have a hard time getting ahold of them to meet up for dinner or hit some golf ball...
by William4u
Sat Nov 14, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: At what level does the cost of something matter to you?
Replies: 64
Views: 6218

Re: At what level does the cost of something matter to you?

I have a habit to think in terms of cost of an item per year. If I drink a $3 coffee per day, that is more than $1000 per year. I think of the coffee as a >$1000 annual purchase, and I consider whether I can get an equally good coffee for less to save a hundred or more annually. I might spend more a...
by William4u
Fri Nov 13, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Automated Pour Over Coffee Machine?
Replies: 21
Views: 2159

Re: Automated Pour Over Coffee Machine?

The Technivorm are spendy. And also tall. They won't fit under my kitchen cabinets which would have been a problem. The next best alternative that I found was the Bonavita for less than half the price: http://www.amazon.com/gp/product/B005YQZNO8 +1 This Bonavita is exactly what you want. The perfec...

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