Search found 96 matches

by chrisjul
Sun Aug 27, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6577

Re: Bosch dishwasher?

I bought a new top of the line Bosch due mainly to its quiet rating. It lasted about a month past the warranty and self destructed beyond repair.

Then bought a KitchenAid, based on Consumer Reports rating and its good. Just as quiet too.
by chrisjul
Sat Jul 01, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 93
Views: 10251

Re: P2P Lending - Anyone try it?

Ive been using Lending Club for 4 yrs, averaging a net return of 6.5-7.5%

Im very happy with the process (I don't use their automated system, but make the loans myself)
by chrisjul
Fri Mar 10, 2017 9:28 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 19945

Re: Sitting on cash....Waiting for a crash

I tend to agree with Wm Bernstein....."when you have already won the game, why continue to play"
by chrisjul
Sun Jan 01, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager
Replies: 187
Views: 21751

Re: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager

Yes, I'm a believer in Bernstein's theory; "Why continue to play a game you have already won?"
by chrisjul
Sun Dec 04, 2016 9:15 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 7945

Re: P2P Lending Dead

Larry: The fund lists the following fees to add up to 3.74%. Which ones do you think a prospective investor should say do not count? Management Fees 1.50% Interest Payments on Borrowed Funds 0.79% Service Fees 0.10% Loan Servicing Fees 0.95% All Other Expenses 0.44% Fee Waiver: (0.04)% ------------...
by chrisjul
Sun Dec 04, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 7945

Re: P2P Lending Dead

I know this doesn't answer your question, but personally P2P Lending is dead to me. Granted I only put a small amount of money in to test the waters, but the results and experience has been sub-par to say the least. For the last two years, I think I barely broke even when factoring in my 30% defaul...
by chrisjul
Tue Jun 28, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else noticing more late payments on Lending Club since the bad publicity?
Replies: 10
Views: 1733

Re: Anyone else noticing more late payments on Lending Club since the bad publicity?

I have been investing in Lendingclub making only $25 loans at a time. I have made a total of 515 loans with only 11 defaults in 3 years, a rate of about 2.1% (much lower than Lending Club projected). My adjusted net annualized return is currently 8.22% (adjusted for any late or overdue payments). I ...
by chrisjul
Sat Jun 25, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Recommendations?
Replies: 22
Views: 4402

Re: Credit Card Recommendations?

nerdwallet.com has a good comparison of credit cards based on rewards
by chrisjul
Sat Jun 25, 2016 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else noticing more late payments on Lending Club since the bad publicity?
Replies: 10
Views: 1733

Re: Anyone else noticing more late payments on Lending Club since the bad publicity?

No, I have not noticed that, but I don't have the data to know.

I am very happy with my investment in Lending Club and have added money (again) this year. I also moved more into the C level loaning from primarily B.

Happy with the results also.
by chrisjul
Fri Jun 17, 2016 9:00 pm
Forum: Personal Consumer Issues
Topic: Any motorcyclists here? - First road trip
Replies: 33
Views: 3038

Re: Any motorcyclists here? - First road trip

check the adventure rider forum
by chrisjul
Sat May 21, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Car insurance - increased liability 500k
Replies: 16
Views: 2060

Re: Car insurance - increased liability 500k

Another option is to get an umbrella policy. An umbrella policy covers lots of other possible liabilities. My policy requires that I have a certain level of auto liability coverage to begin with (don't remember what, maybe 250 or 300K?). Just a thought..."


I second this....its what i did
by chrisjul
Sat Jan 16, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2565

Re: Ignore the noise

Mainly due to tax consequences....my basis is so low in this fund that I will owe the Uncle more than I would like to pay now.
by chrisjul
Fri Jan 15, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2565

Re: Ignore the noise

I tend to agree with William Bernstein. He says that once you have won the game, why continue to play it? I am 8% stocks and feel fine.
by chrisjul
Thu Jul 30, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 3152

Re: Zion, Bryce, Grand Canyon Late March

May be a bit of driving but its nice all drives. Zion is my favorite Natl park.....you will love this trip.
by chrisjul
Sun Jun 21, 2015 8:42 pm
Forum: Personal Consumer Issues
Topic: Anyone Install a new shower lately?
Replies: 16
Views: 2223

Anyone Install a new shower lately?

I am remodeling my master bath and will install new shower fixtures. The options are overwhelming...any experience here?
by chrisjul
Sun May 03, 2015 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan for grandson
Replies: 10
Views: 1624

Re: 529 plan for grandson

No need to pay a fee IMHO.

I went with the NY plan for my granddaughter.

Good luck
by chrisjul
Fri Feb 27, 2015 11:16 pm
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 122
Views: 15831

Re: Is a generator worth it?

I live in S FL and have endured multiple hurricanes including Wilma who did $130K damage to my home in 10 seconds.

I used to have a generator but sold it .....more trouble than they are worth.
by chrisjul
Sun Jan 04, 2015 8:40 pm
Forum: Investing - Theory, News & General
Topic: Boglehead theory on p2p lending?
Replies: 53
Views: 9662

Re: Boglehead theory on p2p lending?

I invested $2500 and the first year, up 6.5%. I choose my own (conservative) loans. I currently am averaging over 7%.

Good luck.
by chrisjul
Fri Aug 29, 2014 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting an Annuity
Replies: 1
Views: 563

Inheriting an Annuity

What are the issues associated with inheriting an annuity?

I am in the process of inheriting one and do not know much about the tax issues or the strategies associated with dealing with it..Cash it in or take the payments. I am not sure how to analyze the issues.

Tks in advance!
by chrisjul
Wed Apr 16, 2014 9:17 am
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1919

Re: 85 yr old dad making financial moves

Tks for the test. I will do this.
by chrisjul
Sun Apr 13, 2014 10:38 am
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1919

Re: 85 yr old dad making financial moves

Jazztonite predicted the future: " Like your father, they were "losing it." My Dad was doing things like walking into his bank and telling a guy in suit that he had some money to invest, and what would he recommend? Dad wound up putting tens of thousands of dollars into high commissio...
by chrisjul
Sat Apr 12, 2014 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1919

85 yr old dad making financial moves

I found today that my Dad, who is losing it rather quickly, has recently made a sizable investment with "FTB Advisors". I believe this is a wealth management organization associated with First Tennessee Bank. He has asked for my help in "organizing" his finances. He does not reca...
by chrisjul
Sat Mar 15, 2014 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 3481

Online Wills

I am 62 and my wife and I don't have wills.

We have 2 sons to split everything equally.

I am thinking an online will is fine..

Would appreciate your input. Do I need an actual attorney to draw it up or is the online product fine?

Tks in advance!
by chrisjul
Sat Mar 01, 2014 7:29 pm
Forum: Personal Consumer Issues
Topic: Advice needed on problem neighbors
Replies: 30
Views: 3883

Re: Advice needed on problem neighbors

Advice, yes......Lighten UP!
by chrisjul
Thu Jan 30, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 6892

Re: SUV Vs Sedan

"Safer"????

Review rollover statistics of SUVs vs sedans.
by chrisjul
Sat Jan 25, 2014 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: How did you transition from saving mode to spending mode?
Replies: 15
Views: 2188

Re: How did you transition from saving mode to spending mode

Not a problem....the transition was the whole point of the long term plan...spending is fun part
by chrisjul
Fri Jan 10, 2014 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: How to weather the upcoming bond crash in my 401k
Replies: 86
Views: 9043

Re: How to weather the upcoming bond crash in my 401k

Well, you will find this an interesting but consistent group. I suspect they will recommend that you "stay the course" regardless of bond performance. I would suggest that you also seek other opinions also. The bond allocation recommended here may disappoint you over the short term. I thin...
by chrisjul
Thu Jan 09, 2014 9:30 pm
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 5701

Re: Mini Cooper or Fiat 500?

Neither. Check JD Powers and Consumer Reports.

Go with Miata.
by chrisjul
Fri Jan 03, 2014 8:42 pm
Forum: Investing - Theory, News & General
Topic: spending in retirement?
Replies: 43
Views: 6554

Re: spending in retirement?

My spending went UP and dramatically UP…but I was prepared for it.

I had no time to travel or really do anything when I was working….now I do.
by chrisjul
Fri Jan 03, 2014 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 64
Views: 4642

Re: To payoff mortgage or not

I agree. Financially maybe there are better alternatives but I have paid off 2 and the psychological benefits (to me) are immense.

good luck
by chrisjul
Sat Dec 21, 2013 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Save me from myself. 100% equity position.
Replies: 62
Views: 8022

Re: Save me from myself. 100% equity position.

You've got balls.

I like the plan (for now).
by chrisjul
Thu Nov 28, 2013 2:05 pm
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 4139

Re: I might buy this car from car max

I would choose a Crown Vic if you are over 80.
by chrisjul
Sat Nov 23, 2013 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my car?
Replies: 20
Views: 1904

Re: Should I sell my car?

Don't sell it.. Find an indy mechanic….the 90 minute commute and losing control of your own mobility……….cannot be measured.

Smack yourself.
by chrisjul
Mon Sep 30, 2013 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help With Aging Dad: Stock Ownership Problem
Replies: 9
Views: 937

Need Help With Aging Dad: Stock Ownership Problem

My Dad is 85 and having dementia issues. He will not allow me to receive his mail (I live 1,500 miles away) and he is in assisted living but still mobile and even drives..... One of the many issues I am facing is that he owns 1,300 shares of stock (his only stock holding) of the company he worked fo...
by chrisjul
Mon Sep 23, 2013 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking I Bonds on a MAC
Replies: 4
Views: 1092

Re: Tracking I Bonds on a MAC

THANKS, guys!!!!

Works great....the Mac has been a bit of an adjustment after so many yrs on a PC.

C
by chrisjul
Mon Sep 23, 2013 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Tracking I Bonds on a MAC
Replies: 4
Views: 1092

Tracking I Bonds on a MAC

I just switched to a MAC computer and see that the Savings Bond Wizard does not work on a Mac.

Has anyone found a program that will track and update savings bonds ??


Tks in advance,

C
by chrisjul
Sun Sep 01, 2013 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Lending Club
Replies: 6
Views: 996

Lending Club

Do any of you have any experience with the Lending Club as INVESTORS/

I am thinking of making an investment..

Tks in advance,

Chris
by chrisjul
Sun Jun 23, 2013 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars cost effective?
Replies: 109
Views: 10854

Re: Are hybrid cars cost effective?

"but maintenance (I've heard) is more expensive"..... My experience with a Prius is that Maintenance is LESS expensive....(Keep in mind that the engine rarely runs). The oil change interval is 10k miles. I have never had a single issue with the Prius...could not even use the warranty! The ...
by chrisjul
Sat Jun 08, 2013 3:44 pm
Forum: Personal Consumer Issues
Topic: Squirrel Proofing a Bird Feeder
Replies: 43
Views: 8595

Re: Squirrel Proofing a Bird Feeder

"I recently paid over $1500.00 to have one removed from my attic"

I will remove your next squirrel for $1,000 (and pay my own airfare).
by chrisjul
Sat May 11, 2013 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS.....
Replies: 40
Views: 9881

Re: Letter from IRS.....

Yes, this should concern anyone........
by chrisjul
Sat May 11, 2013 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree poll: Expenses in retirement
Replies: 24
Views: 3604

Re: Retiree poll: Expenses in retirement

Frankly, my expenses are much higher now, due mainly to travel. I had the money, but not the time when I was working.

Now I have the time.....

But I like it this way
by chrisjul
Tue May 07, 2013 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: NYC to Miami (r/t) in August
Replies: 17
Views: 1113

Re: NYC to Miami (r/t) in August

Check FLL but yes Miami is ALWAYS popular
by chrisjul
Sat Feb 16, 2013 2:44 pm
Forum: Personal Consumer Issues
Topic: New car: I'm about to replace my 2003 Accord V6.
Replies: 66
Views: 10282

Re: New car: I'm about to replace my 2003 Accord V6.

Could not be happier with my Prius. Have owned several Hondas...Toyota for me...especially the Prius.

GL
by chrisjul
Sat Feb 16, 2013 2:40 pm
Forum: Personal Consumer Issues
Topic: May need new water heater
Replies: 46
Views: 4900

Re: May need new water heater

I bought a hybrid and have been very happy with it. WIll pay for itself in appx 5 yrs ...also got a tax credit last yr.

One caveat....if you live in a cold climate...not recommended.

GL
by chrisjul
Wed Jan 30, 2013 10:39 pm
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 7300

Re: Need Bourbon Advice

. . . it's always nice to see someone make the often-overlooked distinction between bourbon and Tennessee whiskies. It always bugs me to see Jack and Dickel lumped in with bourbons. According to Wikipedia (and NAFTA), Tennessee whiskeys are bourbons. They are NOT bourbons and these are fighting wor...
by chrisjul
Wed Jan 30, 2013 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question: Cost basis issue
Replies: 12
Views: 1519

Tax Question: Cost basis issue

I have owned Lifestrategy Growth for decades. In early Jan, this month, I purchased an additional $30k of the fund. I decided to take the 4% "profit" on a few weeks of investment, so I exchanged the funds and then realized that Vanguard "defaults" to an average price per share co...
by chrisjul
Sun Dec 30, 2012 12:41 pm
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 7300

Re: Need Bourbon Advice

I definitely agree with the Woodford Reserve recommendation.
by chrisjul
Sun Dec 30, 2012 12:31 pm
Forum: Personal Consumer Issues
Topic: Jeep Wranglers
Replies: 22
Views: 3135

Re: Jeep Wranglers

I have owned several Wranglers and lots of CJ's.....fun but NOT a daily driver...also gas mileage sucks.

GL
by chrisjul
Tue Dec 25, 2012 7:37 pm
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 7300

Re: Need Bourbon Advice

"All bourbon should be cut with water. That's how you drink it."

Ignore this advice.....I spent too much time in KY (unfortunately)....and you don't water down good bourbon.
by chrisjul
Mon Nov 12, 2012 4:36 pm
Forum: Personal Consumer Issues
Topic: Heated pool costs
Replies: 15
Views: 1538

Re: Heated pool costs

Oh, and I do NOT use a "solar blanket" on my pool.