Search found 701 matches

by coachz
Sat May 28, 2016 4:08 am
Forum: Personal Consumer Issues
Topic: Insulating the attic
Replies: 18
Views: 876

Re: Insulating the attic

Also, I just moved in this house 4 weeks ago and had the insulation done 3 months ago so my prices are current for South Carolina.
by coachz
Fri May 27, 2016 8:54 pm
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 42
Views: 4607

Re: New Book: Living off Your Money (Michael McClung)

The free chapters speak of "market invariates" as consistent behaviours or data that DOES predict the future. Does the rest of the book go into how these are identified. It seems the whole book is setting to be based on these so it seems critical that these are explained thoroughly. I'm al...
by coachz
Fri May 27, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 42
Views: 4607

Re: New Book: Living off Your Money (Michael McClung)

I am reading the free three chapters and while there appear to be a number of minor typos, the thoughtfulness is intriguing.
by coachz
Fri May 27, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Insulating the attic
Replies: 18
Views: 876

Re: Insulating the attic

To be clear, the $1575 included labor. I would call a few for quotes and say "i have $2000" for this job.
by coachz
Fri May 27, 2016 1:51 pm
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 42
Views: 4607

Re: New Book: Living off Your Money (Michael McClung)

I can't wait to see some debate on topics from this book. It seem like it is going to really provide some insight into 'Living off your money".
This appears to be his first book. What a first book !

His spreadsheet: http://livingoffyourmoney.com/home/more
by coachz
Fri May 27, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: Insulating the attic
Replies: 18
Views: 876

Re: Insulating the attic

You can do it yourself it's just nasty. You'll need to be fully covered from head to toe and more. Watch some videos before attempting. I just did a new house that is 2600 sq ft and here was the price. Walls $1,069 Floor $841 6 mil poly $420 Attic all batts $1,575 Sound bathrooms laundry room and ma...
by coachz
Fri May 27, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Insulating the attic
Replies: 18
Views: 876

Re: Insulating the attic

You can do it yourself it's just nasty. You'll need to be fully covered from head to toe and more. Watch some videos before attempting. I just did a new house that is 2600 sq ft and here was the price. Walls $1,069 Floor $841 6 mil poly $420 Attic all batts $1,575 Sound bathrooms laundry room and ma...
by coachz
Fri May 27, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5192

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

If found this of interest in the anypia docs regarding what to put for quarters. This form is available if the worker's earnings start before 1978, when earnings records at the Social Security Administration were updated quarterly. In 1978 and later, there are no quarterly records; quarters of cover...
by coachz
Fri May 27, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 50
Views: 2945

Re: Real price for a new car

I can't think of why you would let someone with no leverage, leverage you. Tell them you will go with another dealer and 8/10 times they will 'change their mind'. Car dealer salespeople and sales managers are experts at on site purchase negotiations. Almost every buyer that sits for hours negotiati...
by coachz
Fri May 27, 2016 7:01 am
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 42
Views: 4607

Re: New Book: Living off Your Money (Michael McClung)

I wonder if libraries have limits on the price they'll pay for a book.
by coachz
Fri May 27, 2016 6:45 am
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 50
Views: 2945

Re: Real price for a new car

Car dealer salespeople and sales managers are experts at on site purchase negotiations. Almost every buyer that sits for hours negotiating a car purchase at the dealer drives out thinking they got a great deal. Not surprisingly they are mostly deluding themselves. To get the best price and terms yo...
by coachz
Fri May 27, 2016 6:44 am
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 50
Views: 2945

Re: Real price for a new car

Thanks everyone for the info on truecar. That is very helpful. My zip code gives a truecar price of $29K. That is $6K over the 1 year old, 12K miles car at carmax for $23K. I don't have to decide today, but I can see going either way. Once you do all your negotiating with the dealer on the phone or...
by coachz
Fri May 27, 2016 6:40 am
Forum: Personal Finance (Not Investing)
Topic: New car buying
Replies: 26
Views: 1441

Re: New car buying

I would rather drive a $2000 beater paid cash than finance any car.
by coachz
Fri May 27, 2016 6:33 am
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 42
Views: 4607

Re: New Book: Living off Your Money (Michael McClung)

I just submitted it for interlibrary loan through my library. They usually can get me new books for a buck within a few months.
by coachz
Fri May 27, 2016 6:18 am
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 42
Views: 4607

Re: New Book: Living off Your Money (Michael McClung)

I like how amazon has a used one for $70 !
by coachz
Fri May 27, 2016 6:14 am
Forum: Personal Consumer Issues
Topic: Selling car in Maryland
Replies: 6
Views: 298

Re: Selling car in Maryland

Drive the car to their place and remove the plates there.
by coachz
Thu May 26, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 50
Views: 2945

Re: Real price for a new car

I'm fine with my Murano. I'll keep my money for more guitars.....ordered a Seagull 12 string today.
by coachz
Thu May 26, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: First Car Purchase
Replies: 4
Views: 281

Re: First Car Purchase

For me the big trick is to know what you want and then let every one of the dealers know that you are ready to buy NOW. Until you are at NOW, don't talk prices. When NOW is NOW you will see laser focus from these dealers.
by coachz
Thu May 26, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 50
Views: 2945

Re: Real price for a new car

I put over 1,000 miles on the Chrysler 200 during the course of the rental. Was about ready to just abandon it on the side of the freeway and walk home. What other makes and models have you test driven, if any? OP is talking about buying a 300, not a 200. They're different... Yes, I am aware. Check...
by coachz
Thu May 26, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 50
Views: 2945

Re: Real price for a new car

Concerning the quality of the Chrysler 300 - Consumer reports gives it a good rating. They say "Chrysler's roomy and luxurious 300 is one of the best large sedans on the market". Edmonds gives it a "B - good" on an A-F scale. There will always be people who think a particular ca...
by coachz
Thu May 26, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 50
Views: 2945

Re: Real price for a new car

I frequently rent cars for business trips and was stuck in a Chrysler 200 last time. Total piece of junk. I've known people in sales who work at the Chrysler dealer and said they would never purchase a Chrysler. Please reconsider before making the purchase. As far as price negotiation, there is def...
by coachz
Thu May 26, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 29
Views: 1790

Re: Zenni Optical

Costco rocks for glasses. Even allows returns if you don't like them including prescription lenses. Who else does that ?
by coachz
Thu May 26, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 50
Views: 2945

Re: Real price for a new car

you might like this thread too
viewtopic.php?f=2&t=192094&newpost=2919022
by coachz
Thu May 26, 2016 10:38 am
Forum: Personal Finance (Not Investing)
Topic: New car buying
Replies: 26
Views: 1441

Re: New car buying

buy a car and am out usually within 2 hours... That's way too long to spend at a dealer. Like many previous replies, similarly we start process early in the month with direct email to dealers (use their online website and offer a price normally about 2k below the "BEST PRICE" of truecar.c...
by coachz
Thu May 26, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: New car buying
Replies: 26
Views: 1441

Re: New car buying

My technique has been to call all the dealers on Autotrader.com and ask for the OUT THE DOOR price. This includes everything. I start furthest away and play them off each other saying what the current best price is. By the time I get to my local dealer, I walk in the door and say "I'm driving ...
by coachz
Thu May 26, 2016 9:58 am
Forum: Personal Finance (Not Investing)
Topic: New car buying
Replies: 26
Views: 1441

Re: New car buying

My technique has been to call all the dealers on Autotrader.com and ask for the OUT THE DOOR price. This includes everything. I start furthest away and play them off each other saying what the current best price is. By the time I get to my local dealer, I walk in the door and say "I'm driving t...
by coachz
Thu May 26, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: New car buying
Replies: 26
Views: 1441

Re: New car buying

kenner wrote:This article may be of help:

http://www.latimes.com/business/autos/l ... story.html



Looks like an ad for True Car. They are not the best price either for sure.
by coachz
Thu May 26, 2016 7:09 am
Forum: Personal Consumer Issues
Topic: Sell Car, keep car, lease a car what should I do?
Replies: 17
Views: 923

Re: Sell Car, keep car, lease a car what should I do?

sell it and buy a Toyota/Honda/Nissan sedan with 50k miles for 7k cash and drive it for 10 more years. I found something that smells better than that new car smell......no payments.
by coachz
Wed May 25, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5192

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

And those 35 highest earnings years are the amounts after they have been indexed.

Hey, can somone wait till 75 or 80 to claim SS benefits or are they required by 70 ?
by coachz
Wed May 25, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5192

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Hi Mike and Artsdoctor, I understand and agree, one can take the output of the Retirement Estimator and using additional knowledge and information that is not presented at the Retirement Estimator webpage, calculate their future benefit based on what the Estimator says it would be if you worked up ...
by coachz
Wed May 25, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5192

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

I'm pleased to have been pushed to finally use the anypia software. It's annoying but I'm glad I've figured it out, and I also understand your points about how past earnings history for many people can overwhelm any impact the last few years of earnings might have on benefits received at 70, if not...
by coachz
Wed May 25, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5192

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

A) I use anypia B) I create a spreadsheet with indexing. From (B), I found the number is around 2 million of taxed social security income. KlangFool KlangFool and Angst, I too have had bad luck with the SS online retirement estimators and also with them by phone. Three times I called and got three ...
by coachz
Wed May 25, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5192

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

A) I use anypia B) I create a spreadsheet with indexing. From (B), I found the number is around 2 million of taxed social security income. KlangFool KlangFool and Angst, I too have had bad luck with the SS online retirement estimators and also with them by phone. Three times I called and got three ...
by coachz
Wed May 25, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5192

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

If I do work that last year at 69 y/o I'll still have some more very low earnings years left among the top 35. I wonder, hypothetically, if I lop off one more of those low earnings years when I turn 71, would my PIA be bumped further, or does that door close completely at 70? Your PIA will continue...
by coachz
Wed May 25, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5192

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

A) I use anypia B) I create a spreadsheet with indexing. From (B), I found the number is around 2 million of taxed social security income. KlangFool KlangFool, I too have had bad luck with the SS online retirement estimators and also with them by phone. Three times I called and got three different ...
by coachz
Fri May 20, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: I got a home loan from Wells Fargo ; should I shop around?
Replies: 20
Views: 1430

Re: I got a home loan from Wells Fargo ; should I shop around?

I'm guessing someone has tried Rocket Mortgage.
by coachz
Fri May 20, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 53
Views: 5238

Re: How to stop MS loading Windows 10?

Win10 patch sneaks in as stealth cumulative update

http://www.infoworld.com/article/307268 ... 21001.html
by coachz
Fri May 20, 2016 6:42 am
Forum: Personal Finance (Not Investing)
Topic: New tires for a 10 year old Camry
Replies: 16
Views: 1225

Re: New tires for a 10 year old Camry

whichever you get, make sure they give a prorated warranty on the tire mileage Have you ever made a claim on one of those warranties? I have never come close to the numbers (i.e. I am replacing 60k tires are 45k) but have never been able to figure out a way to make the warranty pay off. Yeah, if yo...
by coachz
Thu May 19, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: New tires for a 10 year old Camry
Replies: 16
Views: 1225

Re: New tires for a 10 year old Camry

whichever you get, make sure they give a prorated warranty on the tire mileage
by coachz
Thu May 19, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity's Total Bond Fund
Replies: 18
Views: 1153

Re: Fidelity's Total Bond Fund

how long until you retire ?
by coachz
Thu May 19, 2016 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Age 29 & married, pls help w/ overall portfolio
Replies: 9
Views: 1733

Re: Age 29 & married, pls help w/ overall portfolio

For the next 10 years, I would put 100% in Vanguard Institutional Index Fund Institutional Shares Equities 0.04% The portfolio quoted above is very nice too, but i would nix the bonds 43.43%, Vanguard(R) Institutional Index Fund - Institutional Plus Shares 20.09%, Vanguard(R) Small-Cap Index Fund - ...
by coachz
Wed May 18, 2016 8:40 am
Forum: Investing - Theory, News & General
Topic: safe alternative to stock market
Replies: 61
Views: 5692

Re: safe alternative to stock market

joebh wrote:
coachz wrote:Buy a building and open a small sandwich shop. Small business and real estate combined.


There is nothing safe about owning a small business.
And real estate hardly meets the "if somebody might need to access the money at any time" requirement.


you got me there.
by coachz
Wed May 18, 2016 8:10 am
Forum: Investing - Theory, News & General
Topic: Overconfident Investors, Predictable Returns, and Excessive Trading
Replies: 10
Views: 1400

Re: Overconfident Investors, Predictable Returns, and Excessive Trading

This happens to me EVERY time I buy individual stocks. Luckily I don't suffer from "self-attribution bias" and I realize I am terrible at picking stocks and have downgraded myself to DONE. "The stocks that individual investors buy tend to subsequently underperform, and the stocks they...
by coachz
Wed May 18, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 2242

Re: Any beekeepers out there?

All hail the new queen ! Such an interesting dynamic going on with bees.
by coachz
Wed May 18, 2016 8:00 am
Forum: Investing - Theory, News & General
Topic: safe alternative to stock market
Replies: 61
Views: 5692

Re: safe alternative to stock market

Buy a building and open a small sandwich shop. Small business and real estate combined.
by coachz
Wed May 18, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Did I uncover a scam?
Replies: 34
Views: 3992

Re: Did I uncover a scam?

joebh wrote:
alex_686 wrote:
joebh wrote:It's not a scam - it's called subcontracting.


It is not a scam, not is it subcontracting. It is about "Information Asymmetry"


There is information asymmetry in most real-world transactions.

But it is indeed subcontracting.


What is "information asymmetry"
by coachz
Wed May 18, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Did I uncover a scam?
Replies: 34
Views: 3992

Re: Did I uncover a scam?

It's not a scam. Businesses are free to charge whatever they want. And customers are free to shop wherever they want. Just like I saved a couple hundred by buying my last fridge online rather than at the local appliance store. They can charge whatever they want unless they are Martin Shkreli, CEO o...

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