Search found 55 matches

by bampf
Sat Nov 11, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 8922

Re: Thouhgts about wearing a "uniform"/same thing everyday?

Dress shirt, sport coat and jeans. Three different jeans, three different shirts. Three different sport coats. Probably a total of 10 shirts, 6 jeans and 6 coats. Doesn't matter which I wear with what, they all fit, they all work and I could quite literally give a rats a$$ about them. They look fine...
by bampf
Wed Nov 01, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 52
Views: 3339

Re: Giving up on Quicken? (and expense tracking software altogether)

After 20 years of Quicken I pitched it a year ago. No regrets. I never write check's anymore. My transactions are all on line. I need not pay some company every year to give me a product that has planned ways to extract more money out of my wallet. Its actually pretty liberating. I literally could c...
by bampf
Thu Oct 26, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 1553

Re: Fix or replace my vehicle

I fix my own cars for the most part. It is a lot of work but I enjoy it and I like my cars. If you don't like the car, why would you fix it? Buy something you like. Take care of that car.
by bampf
Wed Oct 25, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice [What to do with rental home?]
Replies: 6
Views: 459

Re: Need Investment Advice [What to do with rental home?]

Ok, still no meaningful information. However, at 30 with 70k, I would consolidate everything into vanguard, put all of my investments in vdi (both pretax and tax sheltered.). I did the rental game for years. It was fine until it wasn't. Then it was bad. Evictions, drugs etc etc. I might reconsider r...
by bampf
Sun Oct 22, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Helping college costs of grandchildren
Replies: 37
Views: 2353

Re: Helping college costs of grandchildren

You don't owe your children an explanation as to how you spend your money. Each family has different dynamics, but do you feel that you'd even need to tell your childless children that you gave money to their nieces/nephews for college? Something else to consider along the same lines. We are that f...
by bampf
Fri Oct 20, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice [What to do with rental home?]
Replies: 6
Views: 459

Re: Need Investment Advice [What to do with rental home?]

You really haven't given us anything to work with. I half doubt this is a serious question. I have had several rental properties and they are fine for what they are. They gave me an alternative to the stock market, but, they take work. I have no idea what your income is, how old you are, what you ar...
by bampf
Mon Oct 16, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 633

Re: UTMA accounts


Do they know about it? The monies are technically theirs, it was an irrevocable gift.
They don't really know about it. They know we have put aside monies but not how much. We have always said it would be for school, first house and that sort of thing.

Thanks again!
by bampf
Mon Oct 16, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 633

Re: UTMA accounts

Thanks for all the advice folks. 21 is the age turnover where I am so that works out better. By then they will have 3 more years of experience and it is all good. Very much appreciate it.
by bampf
Mon Oct 16, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 633

UTMA accounts

Some years ago I populated some UTMA accounts for my kids. At the time it seemed like the right thing to do. However, as they get older I worry about whether they are mature enough to manage that money once they turn 18. In retrospect I think having the accounts turn over at 21 or upon graduation fr...
by bampf
Sun Oct 08, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 5061

Re: Is there boglehead consensus on buying a car?

Consider something like ecarone. They sell used just off lease high end vehicles. I have had really good luck with them. (Four cars purchased so far...).
by bampf
Thu Oct 05, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 3001

Re: That blank stare... ?

Its actually worse than a blank stare. She really has no idea and doesn't want any idea. It baffles me but, there you go...
by bampf
Fri Sep 29, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7272

Re: 3 stages of Financial Independence

Pajamas wrote: ↑
Fri Sep 29, 2017 8:13 am
What's an OMY?
One More Year.
by bampf
Fri Sep 22, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 3079

Re: Realtor to buy home?

I see this a lot. That simply isn't true. The buyer pays all real estate commission. The buyer pays for the entire house and by extension the real estate commissions... If there is only a 3% commission for buying and selling agents in total, that means you can generally expect a 3% decrease in the ...
by bampf
Fri Sep 22, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 3079

Re: Realtor to buy home?

Sellers usually pay all realtor commissions (at least in my area), so unless your son specifically gets the house for a lower amount due to the seller not having to pay a buyers agent commission, there is no harm in using one. I see this a lot. That simply isn't true. The buyer pays all real estate...
by bampf
Tue Sep 19, 2017 5:39 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25351

Re: Name something you had to have and now you regret purchasing it?

Well, if it makes you feel any better, I got the Sonos playbar, and it does not work very well - sound cuts out for a second or two every once in awhile, the "surround" sound with two player1's does not work that well, and voice lags behind the video. For $800 I would expect more. Sonos blames the ...
by bampf
Tue Sep 19, 2017 5:11 am
Forum: Personal Finance (Not Investing)
Topic: To apply for new position or not?
Replies: 6
Views: 623

Re: To apply for new position or not?

At the age of 27, you have about 25 years of work left in you (more or less). Your salary is a relatively low on the continuum of salaries in IT. After 3 years, you have put in your time and you should consider what your next job should be. A 15% raise is not unreasonable for a new position and will...
by bampf
Sat Aug 26, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Vehicle Toubleshooting (multiple issues)
Replies: 61
Views: 3298

Re: Vehicle Toubleshooting (multiple issues)

Battery is the simplest explanation.
by bampf
Sat Aug 26, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Vehicle Toubleshooting (multiple issues)
Replies: 61
Views: 3298

Re: Vehicle Toubleshooting (multiple issues)

Battery is the simplest explanation.
by bampf
Fri Aug 25, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Fixing Slow Drains
Replies: 40
Views: 3341

Re: Fixing Slow Drains

Consider this:

Google GrabEASY-Flexible-Reusuable-Grabber-Retriever

It works well because you can explicitly grab the nasty.
by bampf
Fri Aug 25, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 2972

Re: Social Security Benefits

All, Thanks for your comments. First, the presumption that this is about maximizing wealth is flawed. Really, the question I was asking myself is "How long do I have to keep going or can I punch out of the race early." It isn't about "I want my $2 but rather when can I stop running?" Next, I don't ...
by bampf
Thu Aug 24, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 2972

Re: Social Security Benefits

All, Thanks for your comments. First, the presumption that this is about maximizing wealth is flawed. Really, the question I was asking myself is "How long do I have to keep going or can I punch out of the race early." It isn't about "I want my $2 but rather when can I stop running?" Next, I don't m...
by bampf
Thu Aug 24, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 2972

Re: Social Security Benefits

Maybe I'm missing your point. If you stop work at 67 but delay benefits until 70, I'd estimate that the benefits are the same as if you continue to work till 70. I think my point is that if I quit work at 50, I only lose ~$250 a month if I take benefits at 62. It would take a whole lot of years to ...
by bampf
Thu Aug 24, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 2972

Re: Social Security Benefits

Maybe I'm missing your point. If you stop work at 67 but delay benefits until 70, I'd estimate that the benefits are the same as if you continue to work till 70. I think my point is that if I quit work at 50, I only lose ~$250 a month if I take benefits at 62. It would take a whole lot of years to ...
by bampf
Thu Aug 24, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 2972

Social Security Benefits

Folks, I just did a rough check of what I might expect in benefits. It also had a little feature that suggested I could stop contributing at a certain age and they could estimate my benefits for me. It surprised me a bit. I pay about $7300 a year towards SS. Check this out: At age 62 $400,000 a year...
by bampf
Mon Aug 21, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Asphalt Repave Cost
Replies: 3
Views: 552

Re: Asphalt Repave Cost

Just got a quote on Concrete that included removing asphalt. Your quote seems a bit spendy... Mine says:

... will remove existing asphalt driveway and replace with new 4" concrete with #4 rebar reinforcement set 30" on center on adobes, approximately 3270 SF

$20,351.00
by bampf
Tue Aug 15, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 37
Views: 4116

Re: Kitchen Remodel Price/Contractor Dispute

Just pay it. Why expend this much energy over $500? You owe me $500 for reading this post. Please send directly to me. Need some advice. 8Foot7 is trying to charge me $500 even though we never had a contractual agreement. Further in order to find out they are trying to charge me they made me read t...
by bampf
Sun Aug 13, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2851

Re: One more year

What are you going to buy with 1 more year that you can't have right now? I gather you are between 52 and 60. Tomorrow you wake up with pancreatic cancer and you have three months left to live. Happy? Done all you wanted to do? If you hate your job, it is stressful and you don't need the money, aren...
by bampf
Sat Aug 12, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Upgrade car suspension or wait few more years
Replies: 17
Views: 1444

Re: Upgrade car suspension or wait few more years

If it passes a bounce test and you can't see any oil leaking from the shocks on visual inspection, it's probably still safe. If it fails a bounce test and/or you see oil leaking, you should replace them. No, not really. The shocks are dead at 150K. Full stop. Dead. There is an argument about bounce...
by bampf
Sat Aug 12, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Upgrade car suspension or wait few more years
Replies: 17
Views: 1444

Re: Upgrade car suspension or wait few more years

We just had this discussion a couple weeks ago. Suspension is not for comfort, it is for control. Your ride is dangerous if your shocks/struts are dead. You should probably fix that.

viewtopic.php?f=11&t=223122&p=3444831#p3444831
:oops:
by bampf
Wed Aug 09, 2017 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 18406

Re: Life at crossroads. What would you do ?

Data scientists are some of the hottest skills out there. Look at financial institutions that are still running mainframes,,, no such thing as old tech. Tech is just a tool. Update your tool belt, but hang on to your tools. Colorado is at 2% unemployment. Think space, financials, software defined......
by bampf
Wed Aug 09, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6716

Re: Time to leave our dentist??

https://www.dentistat.com/ReaderDigestArticle.pdf

Many many reasons to distrust dentists.
by bampf
Fri Aug 04, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: only have 401k & emergency funds. what's next?
Replies: 24
Views: 1892

Re: only have 401k & emergency funds. what's next?

Bones_Jones wrote: 4. about 25k in credit card debts. we spend alot of money in traveling... what would you do with $1500 a month? Get rid of this. Talk to you in 17 months (25k/$1500) about next steps. Yeah this exactly. And really not in 17 months at your income. Wasting money. Put another way, y...
by bampf
Fri Aug 04, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Stock Options and Awards
Replies: 9
Views: 647

Re: Stock Options and Awards

I never keep my income (salary) and my investments in the same pot. I exercise them, take the money and run to VTI. Usually on the day they mature.
by bampf
Tue Aug 01, 2017 7:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 33190

Re: Your USER NAME...what does it mean?

Bampf, is an onomatopoeic term originating in comic books published by Marvel Comics, in particular those featuring the superhero Nightcrawler of the X-Men. The term is derived from the sound Nightcrawler makes when teleporting.
by bampf
Mon Jul 24, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable - Internet speed requirements
Replies: 12
Views: 1007

Re: Cutting the cable - Internet speed requirements

I actually like a speed test without a bunch of ads and clutter. And I like being able to read the source code to figure out what they are doing. You can take a speed test here:

http://speedtest.fdossena.com/

Here is the source code:
https://github.com/adolfintel/speedtest
by bampf
Tue Jul 18, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 2321

Re: Cellphone nightmare - please help

Consider Google Fi. I love it.
by bampf
Mon Jul 17, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6028

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

Thanks for the update. I cannot say that I'm particularly surprised by the findings of Pep Boys. I hope that they showed you the wear and tear on said parts. I agree with Helo80. I am not shocked even a little bit about the findings. This was a good thread, even if just to show all the misconceptio...
by bampf
Mon Jul 17, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Dumped my last stock
Replies: 7
Views: 1467

Re: Dumped my last stock

Absolutely certain my sale had nothing to do with the fall of the stock today. Generally things rise after I sell them! :oops: That being said, the short term anxiety ridden markets are not interesting to me any longer. I would very much prefer just to sit back and watch my money grow over time. But...
by bampf
Mon Jul 17, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Dumped my last stock
Replies: 7
Views: 1467

Dumped my last stock

Hi, As of this morning I dumped my last stock. I have held Tesla for about 3 years and had a lot of fun watching the wild rides. I woke up this morning and thought about it for a bit. It occurred to me that I wouldn't be any happier if the price went back to $380. It also occurred to me that I would...
by bampf
Thu Jul 13, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6028

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

I think people misunderstand what the reason for shock/struts are used for. A simple google search reflects this: These parts are designed to control the tires, to keep them in contact with the road surface as much as possible. If vehicle tires are free to bounce (which is what happens when struts a...
by bampf
Wed Jul 12, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6028

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

My point is that I'm not sure you can "guarantee that you need new struts at 130k" with the information the OP has posted, unless you know that his initial repair estimate was based on a real evaluation of strut/shock condition. Sigh. OK let's break this down. The car is 12 years old. It has 130K m...
by bampf
Wed Jul 12, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6028

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

If it is just suspension that needs replacing, I am going DIY. I guarantee that you need new struts at 130K if these are the original. Put another way Google "How do I know if my struts are bad". There are a dozen different symptoms (Tire wear, bouncy ride, etc...). You can also just push really ha...
by bampf
Tue Jul 11, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6028

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

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. It is generally easier as there are no steering components on the rear. https://www.youtube.com/watch?v=dOCoDR4m4FM With respect to how to get the bolts out, its pretty...
by bampf
Tue Jul 11, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6028

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

Struts are ~$100 each depending on brand. You can also buy the complete strut assembly (which makes this job stupid easy). To replace a strut there is usually about 6 bolts you have to undo. Three at the top, two to hold it and usually one for a control arm. Once the strut is out you need to compres...
by bampf
Sat May 20, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Advice on retirement plans
Replies: 4
Views: 709

Advice on retirement plans

Folks, I am a dual income earner household with 3 kids. Have about 1.5M in index funds at VanGuard. Max my 401K, invest about $6K a month in my taxable accounts in VOO/VTI. Have a 529 for my kids at about 40K. Will probably spin more into that as they get older but grandparents also have about 100K ...
by bampf
Fri Feb 17, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 6035

Re: Vanguard seems to have gone off the grid

Completely out. Login page just cycles and tells me to call...
by bampf
Fri Feb 10, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Photoshop - what to get?
Replies: 42
Views: 2592

Re: Photoshop - what to get?

I would very much suggest you look at digikam. It is very very good. And it is open source, so, well, free.
by bampf
Tue Dec 20, 2016 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Giving two weeks notice around the holidays
Replies: 58
Views: 5189

Re: Giving two weeks notice around the holidays

Give your notice. Recognize that if they walk you out the door and don't pay you for that two weeks, it says more about them than it does about you. As an employer I try very hard to treat my people with respect. You are not the first person to leave, nor will you be the last. If I treat you shabbil...
by bampf
Tue Dec 20, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 67
Views: 8481

Re: Water Heater Install $1,800!

1 - Pipe cutter $12 2- Sharkbite hotwater heater connecting hoses $40 1- Gas connection line (yellow) $25 1- Overflow drain $7.99 Plumbers tape - $.99 1- Hot water heater of choice at what ever cost you are willing. Turn off the water. Turn off heater. Make sure gas to heater is off. Attach hose to ...