Search found 1039 matches

by William4u
Thu Jul 28, 2016 11:48 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 79
Views: 3175

Re: Winter Tires: Yay or Nay

I am thinking to get a separate set of winter tires with rims. What's a good place to buy rims and/or repair rims? Edit: they salt and plow pretty well in NJ but I had some pretty scary experiences (winter 2013) on new all season fires, which turned out to be horrible for snow on my FWD Toyota Camr...
by William4u
Thu Jul 28, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 79
Views: 3175

Re: Winter Tires: Yay or Nay

I am thinking to get a separate set of winter tires with rims. What's a good place to buy rims and/or repair rims? Edit: they salt and plow pretty well in NJ but I had some pretty scary experiences (winter 2013) on new all season fires, which turned out to be horrible for snow on my FWD Toyota Camr...
by William4u
Thu Jul 28, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 79
Views: 3175

Re: Winter Tires: Yay or Nay

A few years ago we moved to a house with a steep incline on the driveway leading up to the house. That first winter our cars spent several nights parked at the bottom of the hill because we couldn't make it up with all-season tires if the driveway had any ice. The next year I put winters on my wife...
by William4u
Thu Jul 28, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 79
Views: 3175

Re: Winter Tires: Yay or Nay

smackboy1 wrote:Most importantly, all that mounting and dismounting could damage the tire bead and TPMS.


yup +1 on that
by William4u
Thu Jul 28, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 79
Views: 3175

Re: Winter Tires: Yay or Nay

just frank wrote:Separate rims....no TPMS.


Me too... I cover the tpms light on the dash with black electrical tape.
by William4u
Thu Jul 28, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 79
Views: 3175

Re: Winter Tires: Yay or Nay

Separate rims. Makes is much easier and cheaper in the long run. Used steel rims can be cheap. Got cheap rims for one car from tire rack, and the others from craigslist. Many places will change them out for nothing if they are on rims (Cosco, for example). I change them myself with a jack in my own ...
by William4u
Thu Jul 28, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 79
Views: 3175

Re: Winter Tires: Yay or Nay

While the facts are clear, this survey says only about 20% of drivers living in snowbelt states actually use winter tires: http://www.tirebusiness.com/article/20141126/NEWS/141129902/u-s-drivers-eschew-winter-tires The average investor earns 2% or less in their investment portfolio. The average car...
by William4u
Thu Jul 28, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Winter Tires: Yay or Nay
Replies: 79
Views: 3175

Re: Winter Tires: Yay or Nay

First off... The reason to buy winter tires is NOT because you "dont have 4WD/AWD". :oops: The reason to buy winter tires is you want increased all around traction in accelerating, cornering and braking that will make the drive easier and may save your life in an emergency. 4WD will NOT s...
by William4u
Wed Jul 27, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2099

Re: Gas grill recommendations please

Get a Weber Spirit or Genesis (the latter are bigger). Most everything else is junk.
by William4u
Wed Jul 27, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Think larva stage when I say "newbie" [buy an annuity?]
Replies: 25
Views: 1210

Re: Think larva stage when I say "newbie" [buy an annuity?]

If a "financial advisor" tries to sell you an annuity, run away and never talk to that person again. They are usually rip-offs. And it is not an appropriate savings vehicle for someone so young, even if it was a good annuity (and it is surely a bad one). The advisor probably gets a huge co...
by William4u
Wed Jul 27, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Toyota Venza info wanted for 2011 and 2012
Replies: 9
Views: 660

Re: Toyota Venza info wanted for 2011 and 2012

The Venza is just a hatchback Camry (much as the Outback is just a hatchback Legacy). You can look at the Camry to get even more info about it, since the subframe, engine, brakes, electronics, transmission, etc., are the same. Reliability should be the same too. It is amazing how they can make two c...
by William4u
Sun Jul 24, 2016 6:36 pm
Forum: Personal Consumer Issues
Topic: Yet another new/used car post. Help me replace a car
Replies: 34
Views: 2421

Re: Yet another new/used car post. Help me replace a car

I like the Toyota Avalon too (I have one). Comfy and reliable. I love mine--I have the XLE. Perfect for a long commute--silent and comfortable. I spend up to half an hour each day just waiting on the Mass Ave bridge from Cambridge to Boston. I just sink into my black leather seat in my silent cockp...
by William4u
Sun Jul 24, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2312

Re: Tires for Honda Civic

The #1 all season tire from Consumer Reports for your car is the Michelin Defender. We use these on our cars and they are a great all around tire. They are estimated to last 90,000 miles by Consumer Reports. They are a little more up front by are cheaper in the long run. We ran continentals before ...
by William4u
Sun Jul 24, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement, House, Kids - How to afford all three?
Replies: 61
Views: 4758

Re: Retirement, House, Kids - How to afford all three?

^College kids don't have cars, so they don't need gas money. They get around busses and an old used bicycle. Tell that to the majority of college kids in my state. They consider a car a "must have." Either their parents pay for it or they get a job just to pay for their own car (even thou...
by William4u
Sat Jul 23, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement, House, Kids - How to afford all three?
Replies: 61
Views: 4758

Re: Retirement, House, Kids - How to afford all three?

Third time today mentioning it but go read Mr. Money Mustache. Seriously. Helped me cut my spending. Also we have a kid under 1 and so far we are spending much less than before having him. Daycare at a small family owned local place is $250/week. Yes. he could trim that budget quite a bit. LBYM is ...
by William4u
Sat Jul 23, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is This a Good Investing Plan?
Replies: 22
Views: 1659

Re: Is This a Good Investing Plan?

Another smart Minnesotan! Most of the "battle" is to use low-cost index funds, and you've done that. You seem to have a decent international/domestic ratio, and a decent stock/bond allocation. It looks great to me. If you live in the Twin Cities area, there are some regular (and free) bogl...
by William4u
Sat Jul 23, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 185
Views: 14493

Re: How many folks choose to give inheritance to their children in unequal portions

We are middle children ,both of us. Since we are overseas our parents did not give us equal amount of money. My sister and brother inherited more because they were caregivers for our parents at different times so I did not resent it. My Father-in-law wanted to give his 3 sons equal amount of money ...
by William4u
Thu Jul 21, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2312

Re: Tires for Honda Civic

The #1 all season tire from Consumer Reports for your car is the Michelin Defender. We use these on our cars and they are a great all around tire. They are estimated to last 90,000 miles by Consumer Reports. They are a little more up front by are cheaper in the long run. We ran continentals before a...
by William4u
Thu Jul 21, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 60
Views: 7982

Re: What really happens to people who run out of their money in retirement

Finally, you end up on Medicaid in a nursing home. Your lack of funds may reduce your options for more moderate assistance and lead you to the home sooner than otherwise. I met some people who ended up here (no money and in a nursing home paid for by medicaid). It ain't pretty. They aren't as bad a...
by William4u
Tue Jul 19, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6242

Re: Private vs State School?

And all of the recent grads with a BA in psychology, sociology, history, humanities, etc. can ponder their personal and intellectual growth while working a retail job for $10-$12 an hour while the State U grads with a degree in STEM, business, nursing, teaching, etc. will enjoy living on their own ...
by William4u
Tue Jul 19, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest a $80K lump sum?
Replies: 10
Views: 1093

Re: How would you invest a $80K lump sum?

The evidence suggests that both are good, but lump sum is best. The earlier the better. It has more time to grow.
by William4u
Tue Jul 19, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6868

Re: HOA Swimming Pool Trespassing Issue

Motion detecting lights are cheap and can signal when to call police. You can set the motion to detect just before they climb the fence. If police are called quickly they will get tired of coming.
by William4u
Tue Jul 19, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: Yet another new/used car post. Help me replace a car
Replies: 34
Views: 2421

Re: Yet another new/used car post. Help me replace a car

I like the Toyota Avalon too (I have one). Comfy and reliable.
by William4u
Tue Jul 19, 2016 7:10 am
Forum: Personal Consumer Issues
Topic: Yet another new/used car post. Help me replace a car
Replies: 34
Views: 2421

Re: Yet another new/used car post. Help me replace a car

I think the sweet spot is around $10k for a 2010 or later toyota (all have VSC).
by William4u
Mon Jul 18, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Scary thought. Running out of time to save for retirement
Replies: 60
Views: 6294

Re: Scary thought. Running out of time to save for retirement

The power of compound interest means what you save early is going to be a huge part of your retirement. Also, many people have high costs related to having kids that limit savings in their 30s and 40s. This can mean that what you save earlier becomes the foundation of your retirement.
by William4u
Mon Jul 18, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover old 401k from Fidelity to John Hancock?
Replies: 13
Views: 608

Re: Rollover old 401k?

I would roll the old 401K accounts into (new) traditional IRA s at Vanguard (or wherever you choose). This option should be available to you, I think it is even statutory that you can move your 401K upon leaving employment. I would definitely NOT roll them into the John Hancock 401K. [edit] Call th...
by William4u
Sun Jul 17, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: OK to stay in cash if you have 40-50x annual expenses?
Replies: 61
Views: 5139

Re: OK to stay in cash if you have 40-50x annual expenses?

... In theory , yes. In practice eliminating inflation risk is impossible. TIPS could go a long way to eliminate that risk. Will you please expound on the difference between theory and practice in this instance? Thanks in advance. PJW My worry with going 100% TIPS is that it might increase risk due...
by William4u
Sun Jul 17, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: OK to stay in cash if you have 40-50x annual expenses?
Replies: 61
Views: 5139

Re: OK to stay in cash if you have 40-50x annual expenses?

Pardon my ignorance, why can't one invest the entire amount in TIPS or TIPS fund if the only objective is not to lose money to inflation. But it seems that there is an objective to be able to live on "1x income" annually, and I suspect the OP would really want to live on "1x income a...
by William4u
Sun Jul 17, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: OK to stay in cash if you have 40-50x annual expenses?
Replies: 61
Views: 5139

Re: OK to stay in cash if you have 40-50x annual expenses?

Pardon my ignorance, why can't one invest the entire amount in TIPS or TIPS fund if the only objective is not to lose money to inflation. In theory, yes. In practice eliminating inflation risk is impossible. TIPS could go a long way to eliminate that risk. My worry with going 100% TIPS is that it m...
by William4u
Sun Jul 17, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: OK to stay in cash if you have 40-50x annual expenses?
Replies: 61
Views: 5139

Re: OK to stay in cash if you have 40-50x annual expenses?

I'm all for lowering risk if you don't need to take risk to raise money for retirement. However, as others have mentioned, 100% cash is a higher risk portfolio than a 25% stock, 50% bonds, and 25% CD portfolio. If I wanted to lower my risk as much as possible and I have 50x the annual money I spend,...
by William4u
Sun Jul 17, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 6863

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

As an aside, I think you are a good candidate for a term life insurance policy, since you are the sole earner for the family and make a good salary.
by William4u
Sat Jul 16, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3000

Re: Hatchback to match Camry on price/comfort/reliability?

Used Toyota Venza The Venza just is a camry hatchback. That is exactly what it is. They do not make them new anymore, but they made them a year or two ago. I'd probably go with the Prius V (or a RAV 4). Consumer Reports put Lexus & Toyota #1 & #2 in their most recent reliability rankings Oc...
by William4u
Fri Jul 15, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5375

Re: I created dependency, now what?

This hardly, in my opinion, seems to be a case of actually, in the bad sense, creating this dependency. It sounds as though you have improved their living standards. One apparent benefit is improved education of the two children... Look at the very positive things you have done for this family! We ...
by William4u
Fri Jul 15, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3179

Re: Raising a reader

Turn off the TV... Turn off the TV, and keep it off. Well, except for when the SF Giants are playing. (OK, I just doomed their season.) Yup. No TV is important, especially before the age of two. Read up on some of the research on this. "Educational TV for young kids" is baloney. Avoid TV ...
by William4u
Fri Jul 15, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3179

Re: Raising a reader

It is important to read to babies ASAP and even infants. Read with them from day 1. Newer research suggests that they are learning a ton the whole time. 1 month olds too! The babies just lack the ability to tell you how much they are learning!
by William4u
Thu Jul 14, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6242

Re: Private vs State School?

Check out the Payscale Salary Data on mid-career salaries for 319 Majors (from low to high)... 1. Early Childhood Education is 319th (education/teaching has very low lifetime salaries) 2. Communication is 252nd, 3. Psychology is 231st, 4. Business Management is 204th, (business is relatively low ea...
by William4u
Thu Jul 14, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6242

Re: Private vs State School?

And all of the recent grads with a BA in psychology, sociology, history, humanities, etc. can ponder their personal and intellectual growth while working a retail job for $10-$12 an hour while the State U grads with a degree in STEM, business, nursing, teaching, etc. will enjoy living on their own ...
by William4u
Wed Jul 13, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: How much cash to give when invited to a wedding?
Replies: 73
Views: 4994

Re: How much cash to give when invited to a wedding?

If the bride and groom to be are requesting cash as their registry is quite small, then how much cash should I give? I am thinking $100 for family and best friends, $50 for everyone else. Is this too cheap or too much? I'm 30 and have something like 6 weddings I"m invited to this year and cost...
by William4u
Wed Jul 13, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6242

Re: Private vs State School?

The majors that consistently out-earn are engineering, physics, econ, and math. If you don't do one of those, you might consider the humanities. You might be surprised to find that some humanities out earn many of the other majors. Many humanities significantly out-earn accounting or business manag...
by William4u
Wed Jul 13, 2016 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Real career path for a 23 yr old with no college degree
Replies: 50
Views: 5074

Re: Real career path for a 23 yr old with no college degree

I'd pick up a trade like trucking driving, welding, mechanic, etc. All will make a lot more money than my friends who graduated with business degrees that are running cash registers for $8 an hour. Outside of econ or finance, a business degree is a bad degree to get. They consistently have low skil...
by William4u
Wed Jul 13, 2016 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6242

Re: Private vs State School?

Surprise: Humanities Degrees Provide Great Return On Investment http://www.forbes.com/sites/jeffreydorfman/2014/11/20/surprise-humanities-degrees-provide-great-return-on-investment/#5dd7eb9894a9 Many humanities majors beat most business majors in career salaries (if you exclude finance and econ, wh...
by William4u
Tue Jul 12, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6242

Re: Private vs State School?

Anither school of thought is to do undergrad at a high-quality state flagship at a lower cost, and then get your terminal degree at an elite private. For many fields, they don't care so much where you went for undergrad so much as grad school. That is true of my field. So for someone who first went...
by William4u
Tue Jul 12, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6242

Re: Private vs State School?

I think there's a lot to be said for a small liberal arts school, so long as it (and most importantly, the student's approach to it) is rigorous. For example, Williams emulates certain aspects of the old British tutorial system -- a very attractive prospect. +1 I'd pay the extra for Williams or Amh...
by William4u
Tue Jul 12, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6242

Re: Private vs State School?

I think there's a lot to be said for a small liberal arts school, so long as it (and most importantly, the student's approach to it) is rigorous. For example, Williams emulates certain aspects of the old British tutorial system -- a very attractive prospect. +1 I'd pay the extra for Williams or Amh...
by William4u
Tue Jul 12, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Real career path for a 23 yr old with no college degree
Replies: 50
Views: 5074

Re: Real career path for a 23 yr old with no college degree

CNN had an article a few days ago... " College grads are getting nearly all the jobs. " http://money.cnn.com/2016/06/30/news/economy/college-grads-jobs/index.html While there are plenty of stories of individuals who buck the trend and get a good job without a degree, there are far more tha...
by William4u
Tue Jul 12, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo Advisors RAGE! $255- $457 per trade?
Replies: 8
Views: 1022

Re: Wells Fargo Advisors RAGE! $255- $457 per trade?

I've heard similar stories from others. Thank goodness for Vanguard.
by William4u
Sun Jul 10, 2016 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: No VG funds in 401k! HELP!
Replies: 26
Views: 1711

Re: No VG funds in 401k! HELP!

I'd make it sweet and simple: just put 100% of your 401k into the very reasonable Wells Fargo Enhanced Stock Market CITN20 S&P 500 Fund. With an ER of only 0.33%, it is really good. And it is aggressive and diversified. Once you hit $100k in total retirement investments, I'd then look into doin...
by William4u
Sat Jul 09, 2016 2:17 am
Forum: Personal Consumer Issues
Topic: What to do around Vegas during Winter?
Replies: 21
Views: 1665

Re: What to do around Vegas during Winter?

Enjoy the sunshine! :happy

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