Search found 402 matches

by blaugranamd
Sun Nov 19, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2613

Re: Are expensive tires worth it?

Tire Rack does actual test comparisons between tires that put stopping distance, handling, wet/snow traction, and the like to the test. There is a big difference between mediocre tires and high performance tires. My wife's Impala had these god awful Goodyear Integrity tires on them that would squeal...
by blaugranamd
Sun Nov 19, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9380

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

This is such an old man thread "thinking about clothes is hard, I'll wear the same thing every day." And it frightens me that I identify with it... :P :wink: :D Given I'm not THAT far along just yet I did a variation: 3-4 different pant styles, 10 dress shirts, hang them up randomly and wear them le...
by blaugranamd
Sat Nov 18, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4416

Re: Replace TVs with Smart Tvs or not?

Looking for some advice. We have 2 large Plasma Tvs that work just fine, but they are not smart TVs. Right now we have dish/dvr to watch TV (plan to get rid of that as well perhaps). We are just casual TV watchers (Less than 2 hours daily except for 1 weekly shows that gets recorded). Netflix is th...
by blaugranamd
Sun Nov 12, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3436

Re: What's your weighted average expense ratio?

Mine is probably around .25, I don't bother calculate it, but I don't understand the point of these constant comparison posts that have been appearing lately. Nobody learns anything from them. What does it matter if someone else answers .01, .1, or 1%? How does knowing that benefit anyone? It's not...
by blaugranamd
Mon Oct 16, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 3144

Re: 30th Anniversary of October 19, 1987 stock market crash

And if you invested $10k the day before that crash, you'd have $144k today. The worst market timing in history and you still make plenty of money by the time you retire. Stay the course, time in the market.
by blaugranamd
Sun Oct 15, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 3950

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

As for the second island to visit...the big island is really nice. Its our favorite anyway. Lava is currently flowing into the ocean so you can see lava up close if you hike to it. When you get to the end of the road turn right away from the ocean and hike for 30 min or so...look for groups of peop...
by blaugranamd
Sat Oct 14, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3655

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

selters wrote:
Sat Oct 14, 2017 1:16 pm
In fact, according to these people AAPL is more diversified, since it is worth more than the S&P 600 index constituents combined.
Image
by blaugranamd
Fri Oct 13, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5377

Re: Outback Vs Forester Vs CR-V ??

We have a 2016 Forester and it's been solid for 24k miles now. Feels very roomy. Gets 34mpg highway if you drive 65-70. Great visibility. Eyesight is great.
by blaugranamd
Wed Oct 11, 2017 4:54 am
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2355

Re: Ecuador safe to travel and hike?

Haven't been there personally but always check the state department info if you haven't

https://travel.state.gov/content/passpo ... uador.html
by blaugranamd
Fri Oct 06, 2017 5:39 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9977

Re: Buy on Really Bad Days, Sell on Really Good Days?

livesoft wrote:
Tue Oct 03, 2017 10:41 am
BW1985 wrote:
Tue Oct 03, 2017 10:39 am
I thought BH's don't market time? :confused
Diehards don't market time. But Livesofts do.
I just realized that connection for your handle. But to the question at hand: too much work.
by blaugranamd
Mon Oct 02, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6596

Re: Are credit cards rewards worth it?

I charge everything on my credit card for the 2% cash back (citi double cash). I also like seeing how much I spent each month. I PAY MY BALANCE IN FULL EVERY MONTH. But I hate seeing that I owe. Id rather use my debt card. Is the 2% cash back worth it. Do you use debt or credit and if credit what r...
by blaugranamd
Sun Sep 24, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: My idea---four fund portfolio ?
Replies: 10
Views: 1293

Re: My idea---four fund portfolio ?

FSTMX and FTIGX and be done with it! :sharebeer
by blaugranamd
Tue Sep 19, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Active Duty Airmen(24) Looking to maximize investment potentional
Replies: 6
Views: 670

Re: Active Duty Airmen(24) Looking to maximize investment potentional

Deferred interest = hold off payment. But what you could do is look into opening a 529 account and putting money there to get tax breaks and then once your deferment is over you'll have the cash on hand to avoid paying interest at all. 5% TSP to get full BRS match is smart first, fill Roth IRA $550...
by blaugranamd
Mon Sep 18, 2017 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Active Duty Airmen(24) Looking to maximize investment potentional
Replies: 6
Views: 670

Re: Active Duty Airmen(24) Looking to maximize investment potentional

Deferred interest = hold off payment. But what you could do is look into opening a 529 account and putting money there to get tax breaks and then once your deferment is over you'll have the cash on hand to avoid paying interest at all. 5% TSP to get full BRS match is smart first, fill Roth IRA $5500...
by blaugranamd
Fri Sep 08, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3951

Re: Wanting a Portable Auto GPS

Consensus so far is to use an iPhone :( I don't have one nor want one, but getting one would be 2x - 4x the cost of a new stand alone GPS + $40-60 a month. If you already have and iPhone and already in a $ "plan" then I could see using it for GPS. My "smart phone" is used for emergency only @ $10 y...
by blaugranamd
Mon Sep 04, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need to Shred Old Checks? Old Credit Cards?
Replies: 18
Views: 1892

Re: Need to Shred Old Checks? Old Credit Cards?

I shred everything sensitive and use the shredded scraps as kindling for our backyard fire pit. They work great in this regard. :sharebeer
by blaugranamd
Fri Aug 25, 2017 5:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard two-factor (Yubi/SMS) and aggregator access
Replies: 1
Views: 509

Vanguard two-factor (Yubi/SMS) and aggregator access

Any way you all are aware of that you can get an aggregator, like Mint or USAA, to access Vanguard, even if just to pull balances, while also leaving 2-factor authentication on? It's not a deal breaker but I do like to have updated balances all in once place. For example, USAA will allow me to acces...
by blaugranamd
Fri Aug 18, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16941

Re: Lost $7000 today in ONE DAY!

No one "lost" anything today. We all have the same number of shares we had 3 days ago. The ASKING PRICE for what you own went down. Unless you bought shares 3 days ago and sold today, you didn't lose anything. If someone walked up to your door today while your house was NOT for sale and told you the...
by blaugranamd
Fri Aug 11, 2017 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 7052

Re: Struggling with Justifying an Expensive Car Purchase

Financially you're doing great and can probably afford either. Just remember lifestyle creep is hard to roll back. I am also looking to replace my car in the next 1 to 2 years and struggle finding that balance. One you're used to $70k car and your wife's car needs replaced, that $35k car will seem f...
by blaugranamd
Sat Aug 05, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 8268

Re: Drinking water price craziness

Weird coincidence, but I was just reading this thread then made my way to Slickdeals and saw this reverse osmosis system for sale on the Front Page. Can't vouch for it, but talk about coincidence! https://slickdeals.net/f/10433348-ispring-5-stage-reverse-osmosis-drinking-water-filter-w-brushed-nicke...
by blaugranamd
Mon Jul 31, 2017 5:08 am
Forum: Investing - Help with Personal Investments
Topic: New military officer. Is the Roth TSP the obvious choice?
Replies: 37
Views: 3536

Re: New military officer. Is the Roth TSP the obvious choice?

To address the above O-6 talk, be aware that very few medical officer are getting to make O-6 anymore as master clinicians unless you're willing to dump most of the clinical aspects of your job and go down the leadership track: ie squadron commander, SGH, etc
by blaugranamd
Sun Jul 30, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: New military officer. Is the Roth TSP the obvious choice?
Replies: 37
Views: 3536

Re: New military officer. Is the Roth TSP the obvious choice?

If you end up with $120k+ in pensions between the two of you i'm not sure it will matter much how you invest. That being said, if you have $120k/y pensions with current dollars and tax brackets puts you in the same bracket at retirement. Could go either way.
by blaugranamd
Sun Jul 30, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: New military officer. Is the Roth TSP the obvious choice?
Replies: 37
Views: 3536

Re: New military officer. Is the Roth TSP the obvious choice?

Fellow military HCP here from a mil-mil dual HCP household. How much "tax free" money you're getting really shouldn't be a factor since it's still money, it just artificially improves your net income to that of someone making more money that is taxable. Sure, it feels nice to think you're taking "ta...
by blaugranamd
Sun Jul 30, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 6188

Re: NYT: Buy more takeout and hire a maid, study suggests

Depends. Some folks, like myself, find cooking at home enjoyable, therapeutic, and take a lot of pride in creating a great meal for themselves and others. Home chores is more variable. I take a lot of pride in my lawn, garden, etc and wouldn't pay anyone to do those for me. Now laundry, dishes, vacu...
by blaugranamd
Sun Jul 30, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Living on a boat in HI to save money
Replies: 17
Views: 3003

Re: Living on a boat in HI to save money

4-8 hours a week each or combined? That's roughly an hour in traffic per day on average. Assuming both ways, that's a 30 minute drive in traffic. Why not just buy some nice bicycles? Oahu weather should be the perfect set up for that. Sell a car, cut gas, cut insurance, get in shape, no boat hassles...
by blaugranamd
Sun Jul 23, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 12508

Re: What's your personal savings rate?

Projected family gross income = $168k Projected savings (TSP, Roth IRA, Extra mortgage payments, Taxable) = $78k Gross savings rate = 46% There's no consensus on what should be included because this number isn't really important. IMO, I'd include ANY :dollar you could spend but put towards some type...
by blaugranamd
Thu Jul 20, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7812

Re: Would you let your teenager spend all his savings on a gaming computer?

He's in high school. He doesn't need to be mature enough to start a Roth IRA yet and, IMO, having the ethic to save period to get to this point is a good lesson as well. I dropped a similar amount of :moneybag :moneybag :moneybag on a gaming computer out of high school when I started college. Sure, ...
by blaugranamd
Tue Jul 18, 2017 5:33 am
Forum: Investing - Theory, News & General
Topic: "How many funds do you really need to diversify"
Replies: 4
Views: 1280

Re: "How many funds do you really need to diversify"

I think I've said this same thing in my signature for a while now. great minds think alike
by blaugranamd
Wed Jul 12, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6125

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

IF you go the DIY route, the Haynes manuals are worth their weight in gold in terms of step by step breakdown of nearly every repair... Or perhaps the OP hasn't considered DIY a possibility. I never did until I got quoted $1500 for this same job on a car worth $2000. Bought the Haynes manual, strut...
by blaugranamd
Wed Jul 12, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6125

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

IF you go the DIY route, the Haynes manuals are worth their weight in gold in terms of step by step breakdown of nearly every repair: https://www.amazon.com/Toyota-Corolla-Haynes-Repair-Manual/dp/1563929783 Only on BH, somebody asking about new shocks/struts would be advised to go ahead and do it yo...
by blaugranamd
Wed Jul 12, 2017 5:59 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6125

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

I did this with minimal mechanical experience on my old 97 Jetta about 8 years ago with KYB struts and a borrowed spring compressor from Auto zone. Was pretty easy, but steering wheel was permanently turned about 5 degrees right afterwards, drove straight and was in alignment :confused anyway, can b...
by blaugranamd
Thu Jul 06, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Investment Options
Replies: 5
Views: 622

Re: Taxable Account Investment Options

Roth IRA yet?

To answer your question though, I hold VWITX (Int term muni bonds) and VTSMX (total stock mkt) in taxable
by blaugranamd
Sun Jun 25, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2601

Re: Worth it to attempt repair on A/C condenser?

Perfect example of bad capacitor vs good capacitor. Notice the bulging of the top under the connectors

Image
by blaugranamd
Sun Jun 25, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 5484

Re: Google Fi? pros/cons? anyone using it?

TIAX wrote:Many MVNOs, including Google Fi, have issues with short SMS (such as for two factor authentication).
I've never had an issue with SMS two-factor from Vanguard. Always shows up seconds after I log in. YMMV
by blaugranamd
Sun Jun 25, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2601

Re: Worth it to attemp repair on A/C condenser?

I would try replacing the capacitor. It is not expensive and it is easy to replace. If that is not the problem, you have lost little. Be sure the power is off when you replace it. This. Post a picture of the capacitor. If the top is bulging, the capacitor is shot. Make sure you replace it with the ...
by blaugranamd
Thu Jun 22, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Questions for DieHards after reading "The Bogleheads' Guide to Investing"
Replies: 41
Views: 4385

Re: Questions for DieHards after reading "The Bogleheads' Guide to Investing"

There's a general feeling for new investors, especially after reading some of our required reading, that you have to invest with Vanguard to adhere to these principles. This is not the case. If you have $1000 to invest you can use a Target date fund or if you want to have your own individual mutual ...
by blaugranamd
Wed Jun 21, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 5484

Re: Google Fi? pros/cons? anyone using it?

Google Fi uses the following carrier networks: - Sprint - T Mobile - US Cellular If you install the Phono app, you'll see an icon with the network you're currently using that changes as you move about. On the east coast, US Cellular roams to AT&T, so my phone spends time on T-Mobile, Sprint, and AT...
by blaugranamd
Wed Jun 21, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding fund to choose for 401k
Replies: 13
Views: 752

Re: Need help deciding fund to choose for 401k

You could always just use the iShares S&P fund and over time move all your roth assets to extended market (VEXMX) and international (VGTSX) funds to maintain your desired AA. IIRC, somewhere between 4:1 or 3:1 ratio of S&P500:Extended Market gets you the equivalent of Total stock market (VTSAX). Wi...
by blaugranamd
Wed Jun 21, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 5484

Re: Google Fi? pros/cons? anyone using it?

Google Fi uses the following carrier networks: - Sprint - T Mobile - US Cellular We have had it for a year now, both with Nexus 5x devices and are very happy. FWIW, Google phones get new Android updates as soon as they are developed. Other carriers using other Android devices can be behind 6-12 mont...
by blaugranamd
Wed Jun 21, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding fund to choose for 401k
Replies: 13
Views: 752

Re: Need help deciding fund to choose for 401k

You could always just use the iShares S&P fund and over time move all your roth assets to extended market (VEXMX) and international (VGTSX) funds to maintain your desired AA. IIRC, somewhere between 4:1 or 3:1 ratio of S&P500:Extended Market gets you the equivalent of Total stock market (VTSAX). Wit...
by blaugranamd
Tue Jun 20, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 89
Views: 7660

Re: Should I buy an $800k house?

Thesaints wrote:If you have 220k in cash, why do you carry a car loan (which also forces you to pay for full comprehensive insurance) ?
I was wondering the same thing.
by blaugranamd
Sun Jun 18, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 6556

Re: Best Financial Advice from Dad (in honor of father's day)

Never really talked finances with my dad, but he certainly showed the example of living frugally. I have no idea if he lived at, above, or below his means cause I haven't a clue how they are doing but they've always lived comfortably. :confused
by blaugranamd
Sun Jun 18, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 15744

Re: Anyone else gotten totally bored with investing?

Isn't boredom part of the Boglehead philosophy? Make investing so passive you can spend your time doing something else?
by blaugranamd
Sun Jun 18, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5659

Re: USAA opinions. Worth it?

We have USAA for banking and insurance. But don't think because of the "exclusivity" of membership requirements there's much special about them. They have been very good from a customer service perspective. Otherwise they're not necessarily anything special.
by blaugranamd
Sun Jun 18, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 14743

Re: Who takes financial chances and why is this forum so financially conservative?

Au contraire! When I talk to friends I am by far the most financially aggressive. But I don't take unnecessary risks. Consider: 1. I use intermediate-term treasuries both as my emergency fund and as a 5-10% bond allocation. 2. I am effectively 100% equities with extra-volatile allocations to SCV, E...
by blaugranamd
Sun Jun 18, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 3273

Re: Need WIFI repeater or second router Advice

Currently have Verizon FIOS with their provided router and have terrible WIFI on the other side of my house - maybe 50 feet away. I've read I can do a repeater or add a second router that is connected with a Ethernet cable. The reviews on repeaters are iffy and there appears to be a lot of setup wi...
by blaugranamd
Sun Jun 18, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Options for Saving for a First-Home Down Payment
Replies: 25
Views: 2187

Re: Options for Saving for a First-Home Down Payment

1-3% compounded over 2-3 years with a savings rate to give you $20k during that time is gonna amount to a few hundred dollars with less than a few hundreds in differences between the options. You're obsessing over vehicles that will, at best, net you an extra $100-300 dollars before you have to hand...
by blaugranamd
Sun Jun 18, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 21
Views: 2783

Re: Unexpected raise while househunting-- should I change my budget?

Unless you're looking in a very expensive metro and your current budget is a severe compromise from what you want, I would not change a thing. We all run into this issue from time to time: new or increased income and our first thought is "what do I spend it on?" and that usually defaults to whatever...