Search found 143 matches

by aceoperations
Fri Jul 28, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 9459

Re: Best place to get eyeglasses / no vision insurance

I am typing right now with my $12 eyeglasses including anti-reflective coating. There are frequent deals on goggles4u.com. My current pair has taken an extreme amount of abuse from my 2 year old, and has still not even bent out of shape. 8-) 8-) Even if it did, $12 later, I'll be back where I left o...
by aceoperations
Tue Jul 18, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Net Worth?
Replies: 22
Views: 2654

Re: Personal Capital - Net Worth?

I used to have a Personal Capital account for viewing my portfolio. Then, they keep calling me to offer financial "advice" and have one of their "experts" look over my portfolio. They said, "It can't hurt to have someone look over it, just to see if you're missing something, right?" I deleted my acc...
by aceoperations
Tue Jul 18, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

Re: $1368 for new shocks/struts on '05 Corolla?

wrongfunds wrote:sorry, what I meant is that any place which tells you "this offer is valid right now and will be void if you don't take it immediately" is to be avoided at all costs in any field of life.
Agreed. I got out of there immediately! :)
by aceoperations
Tue Jul 18, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

Re: $1368 for new shocks/struts on '05 Corolla?

They were willing to give me 50% off the labor costs if I got the work done right then and there. This should be HUGE RED FLAG. Do you not have any trusted independent shop that can give you honest diagnostics? I don't see why this is a problem, except to indicate that the labor is overpriced to be...
by aceoperations
Mon Jul 17, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

Re: $1368 for new shocks/struts on '05 Corolla?

Thanks for the link to the reddit sub. Some good info out there. FYI, the sub redirects to r/MechanicAdvice/.
by aceoperations
Mon Jul 17, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

Re: $1368 for new shocks/struts on '05 Corolla?

OP here.... I got a complete suspension evaluation this week at pep boys for $20 (the Toyota dealership quoted me $135 for an evaluation). The suspension is fully worn down, and the mechanic suggested an immediate replacement. The strut boots are also torn and need replacement. Pep Boys quoted me $1...
by aceoperations
Fri Jul 14, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

Re: $1368 for new shocks/struts on '05 Corolla?

You only pay $300 for an entire set of tires - at Costco ? :shock: I shop for tires there as well (highly recommended), my usual bill is $800 and that's including the rebate of the month. Just a Honda Accord, nothing fancy. Conclusion: your shocks may be worn, but it's just as likely that your low ...
by aceoperations
Fri Jul 14, 2017 1:35 am
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 7143

Re: 90:10 AA - what don't you believe about it?

Based on the last 115 years, the 90/10 portfolio works 97-98% of the time. However, the article also states that 60/40 provides the highest terminal wealth in the worst 5% of those rolling 30 year periods (what is called tail risks in the article), and 70/30, in the worst 10%. That coupled with the...
by aceoperations
Fri Jul 14, 2017 1:27 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

Re: $1368 for new shocks/struts on '05 Corolla?

david99 wrote:Try getting an estimate on repairpal.com
Replacing front and back shocks, on both sides, is estimated at $1200-1300. I suppose this is the current market rate for this job.
by aceoperations
Fri Jul 14, 2017 1:13 am
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 7143

Re: 90:10 AA - what don't you believe about it?

Interesting article! Based on the last 115 years, the 90/10 portfolio works 97-98% of the time. However, the article also states that 60/40 provides the highest terminal wealth in the worst 5% of those rolling 30 year periods (what is called tail risks in the article), and 70/30, in the worst 10%. T...
by aceoperations
Thu Jul 13, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: International investing question
Replies: 17
Views: 1210

Re: International investing question

Even if international performs better, if you can't stick with it during the bad times you would be better off avoiding or limiting it. +1. We have had quite a few threads on here where people have questioned holding international due to it's relative flatness compared to the US stock market, or ev...
by aceoperations
Wed Jul 12, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

Re: $1368 for new shocks/struts on '05 Corolla?

I really appreciate all the detailed answers from everybody. It is almost unanimous that I should keep the car after fixing any suspension issues. That is what I am going to do. Whether I am going DIY or not depends on if it is actually a suspension issue like the mechanic said. If it is just a whee...
by aceoperations
Tue Jul 11, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

Re: $1368 for new shocks/struts on '05 Corolla?

Thanks for the great responses. DIY: I did see the front strut replacement video and it looks doable to me. Are the rear shocks any different? I could not find any videos explaining how that can be done, or how much easier/harder that is. Looks like full-strut assembly is the way to go if DIY-ing, a...
by aceoperations
Tue Jul 11, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5591

$1368 for new shocks/struts on '05 Corolla?

Hi All, I was told that my shocks/struts are worn after 131k miles on my 05 Toyota Corolla. As a result, my last set of tires have just about had 21k miles on it before it is showing signs of uneven wear. For a full shock replacement job and an alignment, I was quoted $1368 by AJ-USA. These are KYB ...
by aceoperations
Mon Jul 10, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6884

Re: How much of an increase of salary would you expect before switching jobs?

I'd wait for him to return your call. If you are sure you are not taking the job, then go ahead. If there is a chance they can make you a good offer, and you will accept, declining first and accepting later leaves a sour aftertaste in the hiring process. Just my 2 cents. Good luck!
by aceoperations
Sun Jul 09, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6884

Re: How much of an increase of salary would you expect before switching jobs?

If the new position provides opportunities to learn and expand your skill set, you should at least consider it. Expanding one's horizon is key to keeping skill sets fresh. I took a new job last year that only provided about 15% increase in pay (including target bonus). I took it mostly because the r...
by aceoperations
Fri Jul 07, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 3935

Re: Buy a vehicle cash or finance?

We bought a new Prius V when we had our first child 2 years ago. Going with a non-0% loan made the car $1,500 cheaper because the dealership gets cash credit for getting someone to sign on a loan. The deal was that, once the dealership got their cut for the loan, I could go in and pay it off in cash...
by aceoperations
Fri Jun 30, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19323

Re: Buying house - Very important decision

I have a friend here in southern CA who is also single income around the OPs salary with one child and wife. They recently bought a house around $500k, and mind you this is CA; it really does not get you too much. Probably around half of the sq footage of the OPs house . He moved in and the first th...
by aceoperations
Thu Jun 29, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: NYTimes Rent vs Buy - is inflation nominal or real?
Replies: 1
Views: 406

NYTimes Rent vs Buy - is inflation nominal or real?

I was playing around with the NY times calculator for rent vs buy, and had to input assumed investment income. Is this number nominal returns, or real returns after accounting for inflation? How do I input a number for this since one's asset allocation is not constant throughout one's investing care...
by aceoperations
Fri Jun 23, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 69
Views: 8125

Re: Can you share some of your financial goals?

When I started saving about 6-7 years ago in my first job, I did not have any specific goals. I was not going to buy a home anytime soon, no kids, no fancy vehicles, etc. But I'm glad I continued to sock away, because you know, life happens and specific goals develop later on. Now, I am saving up fo...
by aceoperations
Thu Jun 22, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1287

Re: How do you approach your ESPPs

Would you buy your company stock using cash you have in hand now? If not, no reason to hold on to your ESPP. In my view, I'm already heavily dependant on my company's performance for my salary. No need for my portfolio to rely on it as well.
by aceoperations
Mon Apr 24, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 5120

Re: Is $20K I-Bonds considered cash or bond?

I view iBonds as the "bond" or "fixed income" part of my portfolio. To me bonds are a lower risk portion of my portfolio, which I can always take out of to buy more equities should they become cheap. Also, any risk I take, I take on the equities part of my AA, not the bond sectio...
by aceoperations
Mon Apr 24, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Options for downpayment (Good or bad?)
Replies: 13
Views: 1164

Re: Options for downpayment (Good or bad?)

Apart from the desperate measures to make the down payment, kids tend to be quite expensive. It will be best to wait to see what your affordability range is once you are into the parenting thing for a bit. In the meantime, it's best to save like crazy.
by aceoperations
Tue Apr 11, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7979

Re: leaving early from work

Both of us work for the same employer and have to leave to pick up our child from daycare. We have buy in from our managers (different ones) that we will make sure to keep projects on track, and work from home later in the evening if need be - typically after child is asleep. This can turn out to be...
by aceoperations
Tue Mar 14, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4133

Re: Time Saving Tactics: Kids Edition

Lots of great tips here. DW and I often joke that we should get a Roomba, or a big dog , which takes care of automatic cleanup! Some of the listed tips we do, like teaching our son to help with cleaning, and putting things away. The hope is that he picks up these things, and it gets better as he get...
by aceoperations
Tue Mar 14, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4133

Re: Time Saving Tactics: Kids Edition

It's interesting to see that the comments circle around food and dishes. Our dishwasher has been out of operation for a while, and this is causing us major headaches. The numbers of spoons our little one pulls out for every meal is simply staggering! We did consider putting clothes on our son so tha...
by aceoperations
Tue Mar 14, 2017 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Tax reporting of returned excess 401k deferral
Replies: 5
Views: 570

Re: Tax reporting of returned excess 401k deferral

Thanks Livesoft and AlanS! The info was very helpful. One of the linked threads had the exact steps needed to add the excess deferral to the total income reported, using taxAct. I adopted the same steps for TurboTax. For any others who might benefit, here is what I did: 1) Under the "Retirement...
by aceoperations
Mon Mar 13, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4133

Time Saving Tactics: Kids Edition

Hello Bogleheads! I was wondering what strategies people use to save time (most likely at a cost), when there are one or more kids in the household - especially the littler ones who demand constant attention. DW and I have full time jobs, and often fall behind on our household chores because we are ...
by aceoperations
Mon Mar 13, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Tax reporting of returned excess 401k deferral
Replies: 5
Views: 570

Tax reporting of returned excess 401k deferral

Due to multiple employers during the last year, I ended up contributing ~$1k over the $18k 401k limit for 2016. 1) I asked my current employer to tell Fidelity to return the excess deferral. They did, I got the check, and deposited it in the bank account. 2) The excess deferral of $1k is taxable in ...
by aceoperations
Wed Feb 22, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Household budget trim: next up is cell phone plan
Replies: 30
Views: 3364

Re: Household budget trim: next up is cell phone plan

DW is on Google Fi project, and loves it. You need to have one of the specified phones, but it should not matter to you if you are not a phone guy. DW is very strict about not using cellular data, and as a result, her cell phone bill averages $23 a month.
by aceoperations
Mon Feb 06, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 9011

Re: A Wellesley alternative

I have no idea what all those letters mean. It might help to fill in the fund names, instead of just ticker. You'll probably get more responses - just sayin'
by aceoperations
Mon Feb 06, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio 73/27 or 92/8?
Replies: 10
Views: 1191

Re: Is my portfolio 73/27 or 92/8?

My goal is to have retirement money at 90/10. Triple digit golfer, If you can retire on 90/10, that means you do not need this money to support your retirement. So, why does any of this matters? KlangFool The OP started off with... I'm sure the general consensus will be "It doesn't matter"...
by aceoperations
Mon Feb 06, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 96
Views: 8514

Re: Why Wouldn't You Want International Stocks?

I see these types of threads pop up from time to time questioning investing in what's cold. When us stocks underperform, we will see threads about increasing international, why invest in US when we live and work here, international funds are more diversified, etc. +1. There seems to be recency bias...
by aceoperations
Tue Jan 24, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 566
Views: 145952

Re: Share your net worth progression

Finished grad school at 27, got first job and started investing in 2011. Only started seriously tracking net worth in 2014. Here's my progression: Age / Net Worth / YoY / Income 30 / 100k / -- / 125k 31 / 150k / 50% / 128k 32 / 193k / 28% / 135k (medical emergency+new baby) 33 / 285k / 47% / 145k + ...
by aceoperations
Sun Jan 22, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Costco Sale vs Online
Replies: 8
Views: 3440

Re: Turbotax Costco Sale vs Online

I bought TT deluxe + 1 state on sale at Staples for $29.99+tax, which was $10 below Costco's sale price. I debated between buying the premier instead of the deluxe version, and found out after some research that they both do schedule D for stocks, exept that the premier version gives you more "...
by aceoperations
Sat Jan 21, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Costco Sale vs Online
Replies: 8
Views: 3440

Re: Turbotax Costco Sale vs Online

I bought TT deluxe + 1 state on sale at Staples for $29.99+tax, which was $10 below Costco's sale price. I debated between buying the premier instead of the deluxe version, and found out after some research that they both do schedule D for stocks, exept that the premier version gives you more "...
by aceoperations
Tue Jan 17, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 2755

Re: Saving rater after becoming father

We have a 1.5 year old who is starting pre-school and that is going to cost us 15k for 10 months, and a 2nd baby is on the way - so add another $10-15k. Luckily, my spouse has started working recently, and will go back to work after the second one is born. While our gross income has increased >50%, ...
by aceoperations
Tue Jan 17, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: When is a 401k not worth it?
Replies: 32
Views: 2450

Re: When is a 401k not worth it?

Definitely do contribute to your 401k because you get only so much tax sheltered space per year. In the future, you may switch employers and have access to a 401k with excellent choices. You will be happy you now have the 401k funds that you can roll over into your new plan, and invest in those low ...
by aceoperations
Mon Jan 16, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Google Chromecast
Replies: 27
Views: 3828

Re: Google Chromecast

1. Get the google home app on your handheld device, and set it to share your photos from you google photos albums. This worked out great for us, since we ending seeing the pictures we took with family, and while on vacations, while the TV is simply on. And it makes for some great "Hey! Look at ...
by aceoperations
Tue Oct 18, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: The riskiness of home ownership
Replies: 239
Views: 17892

Re: The riskiness of home ownership

This sounds interesting. Can you post any charts/data that your simulations produced? Is there any way to share your methodology so that others can use it in their particular situation? I'd imagine it would benefit many here.
by aceoperations
Thu Oct 13, 2016 1:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 16845

Re: Indulge my curiosity--when did you start being a Boglehead

5 years ago. Right when I graduated from grad school and got my first job. A lot of my google searches came up with bogleheads forum discussions that made a lot of sense. Now, it's just save, invest, save, invest, and hope for the best.
by aceoperations
Thu Oct 06, 2016 10:51 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 16845

Re: How Did You Become A Boglehead? What Led You Here?

When I started learning about investing online, so many search results came from this one site - bogleheads.org, and they just made a lot of sense. And, then I found the Wiki. Best. Thing. Ever. Been hooked to this site ever since. I check it several times a day and post occasionally. Edit: Just rea...
by aceoperations
Wed Sep 21, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 56
Views: 7929

Re: My "Corolla Investment" has ended...410,000

I know my 2005 Corolla has a timing chain. No belt. Not sure if all Corollas were made that way.
by aceoperations
Wed Sep 21, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 3511

Re: Baby deals

You have to be wary of certain items like car seats (they have an expedition date on seat) +1. The car seat was among the very few things we bought new. Be careful not to go overboard with it. We have friends that spent a thousand dollars on a car seat/stroller. There are plenty of more reasonably ...
by aceoperations
Wed Sep 21, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 56
Views: 7929

Re: My "Corolla Investment" has ended...410,000

Proud Corolla owner here too, running at 130,000. Bought the 2005 model used for $10,000 in 2008. I had the on-board computer die on me a few years ago, and now I need to replace the shocks and struts since they have stiffened up over the years and causing excessive tire wear. No major issues otherw...
by aceoperations
Fri Sep 16, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 3511

Re: Baby deals

We got plenty of used stuff from friends who were happy to clean up their garages and give us stuff they didn't need. Everything was in very good condition, and it worked out great for us! The other thing is, babies have preferences. For example, ours never slept in a crib since he'd rather be spraw...
by aceoperations
Fri Sep 09, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is it typical to wait ~24 months for a meaningful/significant raise at work?
Replies: 45
Views: 4575

Re: Is it typical to wait ~24 months for a meaningful/significant raise at work?

I have heard of people who have left megacorps just because they did not get bonuses for a couple of years, in spite of getting CoL raises. This concept was alien to me when I worked for a company that did not even give out bonuses. I was happy with CoL raises. Later, my company started handing out ...
by aceoperations
Thu Sep 08, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: What does a man have to do to get the new iPhone?
Replies: 26
Views: 2745

Re: What does a man have to do to get the new iPhone?

The "7" is a downgrade - no 3.5mm headphone jack. There is absolutely no reason to upgrade. Indeed the arrival of the 7 just made the 6+ even more attractive, you already have the best iphone ever made! +1. I have enough adaptors lying around, and I don't need to add more for headphone. A...