Search found 90 matches

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: 1580

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: 2868

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: 1580

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: 2390

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: 1730

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: 2401

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: 2401

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: 2663

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: 2049

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: 1562

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: 12353

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: 9262

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: 530

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: 1856

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: 1856

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: 1856

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: 3175

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: 3717

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: 6218

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: 2119

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: 8439

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: 5121

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: 6078

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: 4424

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: 7685

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: 3682

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: 1790

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: 888

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: 897

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: 897

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: 970

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: 10028

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: 7124

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: 8552

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: 3490

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: 1024

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: 9993

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: 4470

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: 6833

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: 1447

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: 6833

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: 2826

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: 6833

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: 1392

Re: Heated pool costs

Oh, and I do NOT use a "solar blanket" on my pool.
by chrisjul
Mon Nov 12, 2012 4:33 pm
Forum: Personal Consumer Issues
Topic: Heated pool costs
Replies: 15
Views: 1392

Re: Heated pool costs

I had a solar heating system installed for my pool....cost $3k total....heat is free....I get 10 degrees warmer than the Gulf of Mexico on average....I live in SW FL and can swim year round.....but I prefer it 10 months of the year.

Good luck,

CC
by chrisjul
Mon Sep 24, 2012 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners' insurance - is it worth it?
Replies: 59
Views: 7393

Re: Homeowners' insurance - is it worth it?

Hurricane Wilma did $130K damage to my home in about 5 minutes.

I like homeowners insurance!
by chrisjul
Mon Sep 17, 2012 8:09 pm
Forum: Personal Consumer Issues
Topic: Any Prius owners?
Replies: 37
Views: 3984

Re: Any Prius owners?

InvestoGuy wrote:I was under the impression that you need to change the Battery
every 2-3 years and that can be very expensive. Is that true.


No, all the hybrid parts incl battery are under warranty for 10 yrs or 100k miles.......these batteries have proven to be very reliable.
by chrisjul
Sun Sep 16, 2012 5:17 pm
Forum: Personal Consumer Issues
Topic: Any Prius owners?
Replies: 37
Views: 3984

Re: Any Prius owners?

I bought a new 2010 Prius and love it....have avg mpg of 48.5 and NO problems....not a rattle, squeak or issue. Love the technology and am amazed at this car every day. Would definitely buy another one. ( I do also have a new Miata for those times when I want something fun to drive). The Prius is de...
by chrisjul
Sun Sep 16, 2012 5:15 pm
Forum: Personal Consumer Issues
Topic: Opinons on buying a car from a rental company such as Hertz?
Replies: 33
Views: 2901

Re: Opinons on buying a car from a rental company such as He

i wouldn't want to buy a rental car I had rented....I usually drive rentals like I stole them!
by chrisjul
Sun Sep 09, 2012 11:02 am
Forum: Investing - Theory, News & General
Topic: poll are you happy with 4% withdraw
Replies: 65
Views: 5969

Re: poll are you happy with 4% withdraw

I withdraw a flat 4% (not adjusting for inflation) each Jan. The amount varies but I do not depend exclusively on this money anyway and usually funnel some of this back to the investment pool at the end of each year. I also have a "reward system" for myself....If my portfolio beats 4% plus...

Go to advanced search