Search found 520 matches

by david99
Tue Sep 27, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 47
Views: 2593

Re: Replace car battery after X years or wait till it dies?

After I got stranded at 10 pm (AAA couldn't jump start it so I had to leave it and go back with a new battery the next day), I decided to change my batteries every 5 years. It's only $100 for a battery --- so $20 per year is no big deal --- especially when you are talking about a car expense.
by david99
Thu Sep 22, 2016 6:52 am
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 54
Views: 5708

Re: My "Corolla Investment" has ended...410,000 [miles]

That is great. I have a 2000 Corolla with only 94000 miles. I had to fix a few things like power steering pump, muffler, exhaust, catalytic converter, brakes... But nothing major. If I keep it for 400,000 miles I won't ever have to buy a new car. It doesn't have much rust.
by david99
Sat Sep 17, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38212

Re: Do you really need 2.5 million to retire well?

Without tongue in cheek, they write that even $5 M doesn't go that far today. After all (they say), a 5.5% return would return only $275k, which after taxes would be about $135k. Barely enough for a decent apartment in NYC. Over a 50% tax rate on a 5.5% return from a 5M portfolio? It must not be a ...
by david99
Thu Sep 08, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: repair 2010 odyssey versus trade in?
Replies: 26
Views: 2387

Re: repair 2010 odyssey versus trade in?

But that is different. There he is trying to decide between different options and he is no rush. Here OP wants new car and we should all encourage him to buy it. Our entire economy depends upon people purchasing new items. If everybody were like me (3 cars over 15 years/200K+ miles), the economy wo...
by david99
Thu Sep 08, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3227

Re: Favorite Vegan Products

You can make a great chilly with Trader Joe's Soy Chorizo --- just mix in with a can of tomatoes, kidney beans, and other veggies--- serve over some pasta or rice. I also like frozen fruit in a blender --- frozen banana,mango and almond milk make a great smoothie. NutritionFacts.org is a good websit...
by david99
Tue Sep 06, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 4932

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

I wouldn't be in a hurry to buy a property now. If you buy now, you may be kicking yourself in a few years when the housing bubble bursts and you bought at the height of the bubble. You may not even be able to sell a property in a few years for what you are going to pay now. I agree with what other ...
by david99
Fri Sep 02, 2016 9:23 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6610

Re: Frustrated Losing Weight!

Wanted to suggest another book, "How Not to Die" by Dr Michael Greger. Pushes plant based diet. Some compelling research is documented. How Not to Die by Dr. Greger is a good book. You can also see Dr. Michael Greger on Youtube Another good book is The Starch Solution by John McDougall He...
by david99
Mon Aug 29, 2016 12:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 53
Views: 9755

Re: I think I found Rick Ferri

That's great --- looking forward to hear more about his travels
by david99
Tue Aug 23, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33252

Re: Frugality regret: What thing do you regret not spending on?

I regret not spending more on vacations and travel. I'm not getting any younger and it's not a great idea to think that I'll take great vacations when I retire. Maybe I'll have health issues when I'm retired and I'll have to stay close to home.
by david99
Sat Aug 20, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 51
Views: 3471

Re: Instant oatmeal vs "regular" oatmeal

Oatmeal is great. I usually have rolled oats(old fashioned oats) with cinnamon, flax seed, honey, frozen fruit, and water and zap it in the microwave. I like to eat it an hour before a workout --- it keeps me going for hours at the gym. If I bought the quick oats by accident, then I would just mix i...
by david99
Sun Aug 14, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 449178

Re: What Movie Have You Recently Watched?

We just saw Pawn Sacrifice ---it is about American Chess prodigy Bobby Fischer. It takes place during the Cold War when the Russians and Americans are trying to out perform each other. It also chronicles Fischer's struggles with genius and madness. I thought that it was an excellent movie.
by david99
Sat Aug 13, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Talked myself out of buying a new car. What do you think
Replies: 31
Views: 2718

Re: Talked myself out of buying a new car. What do you think

Buying a new car doesn't mean that it will be without problems. People have written here that they bought a new car and it's been in the shop three or four times and the dealer can't figure out what's wrong. They are thinking of trading it in.
by david99
Sat Aug 13, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 31
Views: 3937

Re: Fidelity Rewards Visa 2% cash back

I use it for most of my purchases. It's a good card with no annual fee and the $50 gets deposited in your account when you hit 5000 points.
by david99
Fri Aug 12, 2016 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: To sell or not to sell (investment property abroad)
Replies: 5
Views: 353

Re: To sell or not to sell (investment property abroad)

We had some property abroad that we inherited and we sold it. It's too difficult to deal with property in another country unless it's a vacation home that you visit on a regular basis.
by david99
Fri Aug 12, 2016 8:20 pm
Forum: Personal Consumer Issues
Topic: High Annual Mileage Bogleheads?
Replies: 20
Views: 2086

Re: High Annual Mileage Bogleheads?

With low gas prices you might be able to get a good price on a used Prius.
by david99
Thu Aug 11, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Travel for a Year with Family - Career Impact?
Replies: 35
Views: 3574

Re: Travel for a Year with Family - Career Impact?

Wow, I feel like I could have written this post a few years ago. The only difference is that you have more kids :) Don't take a year off from work. You'll find another great job. But you'll back slide. Soon you'll be in the same place. Burned out and working 80 hour weeks. Here's the thing. You're ...
by david99
Wed Aug 10, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: flipping houses
Replies: 31
Views: 3362

Re: flipping houses

I think that it's really hard to flip houses these days. Most houses are correctly priced for their market -- even fixer uppers. And if for some reason a property is very under priced, it will be snapped up in a minute with internet exposure. If for some reason you still want to give it a try then g...
by david99
Wed Aug 10, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Talked myself out of buying a new car. What do you think
Replies: 31
Views: 2718

Re: Talked myself out of buying a new car. What do you think

It makes sense to keep it and do some preventive maintenance. I just follow the maintenance schedule for my car. You might also have a reliable mechanic look it over once a year and see what she/he recommends --- I know that they might recommend some unnecessary work but you are the last word when i...
by david99
Wed Aug 10, 2016 7:46 am
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 13410

Re: Best Crossover SUV to purchase

slayed wrote:Mazda not on your list, any reason not considering? Their crossovers are good value (CX-5,CX-9,etc)


I agree that the Mazda CX-7 or CX-9 Grand Touring AWD should be looked at.
by david99
Wed Aug 03, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6652

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

I might look at CR at the library if I am buying an expensive appliance or a car but I will also do searches on the Internet since I do not really know how reliable CR is. I do wonder how reliable their information is because they are reviewing so many products. You can not be an expert on everything.
by david99
Mon Aug 01, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need support during rougher period
Replies: 9
Views: 1354

Re: Need support during rougher period

I also think that you might want to look at adjusting your stock/bond ratio if you get panicky when the markets get volatile. You may be taking on too much risk. If that doesn't work, then you should consider using Vanguard to manage your portfolio ---30bps is not too bad and can be well worth it if...
by david99
Mon Aug 01, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6871

Re: Should I flip my neighbor's house to save the neighborhood?

OP here. Just to be clear, I am not interested in getting involved in the house flipping business. This would be a one-time deal to prevent a vacant house disaster in my neighborhood. Although I have been happy with the results of remodeling our home, it has caused me enough headaches along to way ...
by david99
Fri Jul 29, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: What makes people succeed?
Replies: 98
Views: 8360

Re: What makes people succeed?

I'm currently reading, How to Fail at Almost Everything and Still Win Big by Scott Adams (creator of Dilbert). He has some great ideas on what it takes to be successful. In it he states, "goals are for losers and systems are for winners. People who seem to have good luck are often the people wh...
by david99
Mon Jul 25, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 5105

Re: My experience with "older" used car

I drive an older car ---2000 Corolla and I'm more concerned about the rubber hoses, plastic parts and rust. It's also a low mileage car and I try to keep it well maintained. Rubber and plastic breaks down over time. Maybe I should look into replacing some hoses?
by david99
Mon Jul 25, 2016 8:25 am
Forum: Investing - Theory, News & General
Topic: Another dodgy hedge fund. Echoes of Bernie Madoff.
Replies: 9
Views: 1639

Re: Another dodgy hedge fund. Echoes of Bernie Madoff.

Another good reason to invest in boring index funds. We don't need the kind of nail biting excitement that Madoff gave to all of his investors.
by david99
Sun Jul 24, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: New car or not?
Replies: 43
Views: 3832

Re: New car or not?

Try snow tires for this winter. If you still do not feel comfortable, then you can get a new car. Snow tires are a lot cheaper than a new car. You can probably get another 50k miles out of your current car.
by david99
Sun Jul 24, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 689
Views: 114658

Re: Boglehead Beer

I usually buy Sam Adams at Costco
by david99
Fri Jul 22, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: Renovate or replace 12yr old SUV?
Replies: 45
Views: 2470

Re: Renovate or replace 12yr old SUV?

I think that this is very much a personal decision. If you are doing well in terms of saving for retirement, then you might consider getting a new car. On the other hand if you are behind in saving for retirement, then I would keep it. 90 k miles is not much for a Honda -- you can probably get 200 k...
by david99
Thu Jul 21, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change?Age 32---Personal Trainer to Real Estate
Replies: 16
Views: 1787

Re: Career Change?Age 32---Personal Trainer to Real Estate

Personal trainer to real estate ---- it sounds like you like working with people. A personal trainer is part teacher and part motivator so you might also consider going into education. Since you already have a college degree, it wouldn't be that hard. I have heard that in fields like math or science...
by david99
Thu Jul 21, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 4542

Re: Are you feeling uncomfortable? [with your investments]

Even if your are feeling comfortable with your investments now, you might feel uncomfortable when a drop like we got in 2009 happens. That's why I like to see what a 50% drop my stock portfolio will look like. I try to do it at least once a year. I know that it is only on paper but at least it gives...
by david99
Wed Jul 20, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: NY Times article-Shiller on land and homes
Replies: 18
Views: 2771

Re: NY Times article-Shiller on land and homes

I agree that location matters a lot when it comes to homes. A location that is in high demand, with no land available is going to increase in value much more than the opposite. Of course you have to be careful because an area that is dependent on just one industry could lose a lot of value if there ...
by david99
Wed Jul 20, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 21211

Re: Evicting a tenant-Hire lawyer?

Sorry to hear that you are going through this mess. I was a landlord for seven years and fortunately I didn't have to evict anyone but I was extremely careful about picking a tenant. I would leave an apartment vacant for a month or two if I didn't find a tenant that I liked. I also had apartments in...
by david99
Mon Jul 18, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 21211

Re: Evicting a tenant-Hire lawyer?

This is strange that she left all of her stuff behind. It's threads like this that keep me out of the rental business.
by david99
Mon Jul 18, 2016 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud
Replies: 4
Views: 520

Re: Credit Card Fraud

The credit freeze is definitely a good idea for you and your wife to be on the safe side.
by david99
Mon Jul 18, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4829

Re: Who do you not tip, and why?

Some restaurants have gotten rid of tips. It's easier for the consumer if the employee gets paid correctly by the company. Besides some costumers don't leave any tip and others do. An employee can count on a regular pay check if they get a salary from their employer. But to answer your question, I d...
by david99
Mon Jul 18, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 82
Views: 12252

Re: Traits of Happiest Retirees

Many years ago there was a song whose lyrics concluded that happiness is different things to different people. https://www.youtube.com/watch?v=yeHXahnBAqY No question about that. My take is that for people living in affluent nations, happiness is built on a foundation of 4 pillars regardless of whe...
by david99
Sun Jul 17, 2016 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9772

Re: Just got back from Europe...ready to sell my International...

Europe is 44% of VGTSX, so it is a big part of the fund. But I agree with other posters who say that the turmoil in Europe is already priced in to the fund and you may be selling at the bottom. I think that it's wise to rebalance as necessary. This may be a great buying opportunity. It's good to be ...
by david99
Sat Jul 16, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 5046

Re: Retired a year - big loss [ :) ]

Congratulations -- this is great. I recall reading other posters that have retired and consequently started to eat better, exercise more and lose weight.

Best wishes
by david99
Sat Jul 16, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5324

Re: Mother was victim of online virus scam - How can she recover the money she paid?

I also would be concerned that her computer is infected and/or that they stole other information. If she only lost $300, then I would chalk it up to a lesson learned. Three hundred dollars is not such a big deal. However if they stole her identity, tax information or debit card information then that...
by david99
Sat Jul 16, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5587

Re: I created dependency, now what?

I haven't read this entire thread but you should consider the possibility that if something happened to you financially or physically then you might not be able to provide for this family. Maybe it would be better if they were self sufficient? On the other hand it's great that you have been able to ...
by david99
Wed Jul 13, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Jobless with a decent amount of money [Canada]
Replies: 37
Views: 2635

Re: Jobless with a decent amount of money [Canada]

If you can get a high school degree in a few months then why not do that as your next step. After you get your high school equivalency degree, you can decide if you want to go to college or do something else. Since a few people suggested computer programming, you could get some programming books fro...
by david99
Wed Jul 13, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 6630

Re: Car totaled, no collision insurance

I got rid of collision insurance on my Corolla but kept comprehensive insurance.
by david99
Sat Jul 09, 2016 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Employment ideas for former Police?
Replies: 37
Views: 2618

Re: Employment ideas for former Police?

You may want to talk with a vocational counselor. A good vocational counselor can help analyze your particular skill set and suggest some vocations that are a good fit for you.
by david99
Sat Jul 09, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 6080

Re: Costco Tires - Anyone ever frustrated?

I've bought tires at Costco and have not had problem. I just get there twenty minutes before they open and read a book in the car or surf the web on my phone. Then I go shopping while they install or rotate the tires. It's not a big deal.
by david99
Sat Jul 09, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 5104

Re: Fidelity customers: Have you experienced pressure to buy active funds?

I seem to get a call from Fidelity every other year. They call me two or three times and leave message but I never call them back so they give up. They usually say that they want to review my account but I assume that they want to put me into actively managed Fidelity funds.
by david99
Thu Jul 07, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Safe Stolen
Replies: 56
Views: 7065

Re: Safe Stolen

I agree with the credit freeze. You may also want to sign up for a service that monitors your accounts.

I also keep some documents in a fire proof safe. I think that I'll get a safe deposit box after learning about this.
by david99
Thu Jul 07, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 8437

Re: Hiking questions

Go to REI and try on different hiking boots. The sales staff at REI are very knowledgeable. Also you can return anything to REI if you are not satisfied even shoes and boots.
by david99
Thu Jul 07, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 40
Views: 3117

Re: Sentra or Corolla?

I would go with the Corolla over the Sentra. I have a 2000 Corolla with only 92000 miles and it still runs well. I have had to fix a few things like the power steering pump, mass air flow sensor and the exhaust/ catalytic converter but overall it's been a good car. This thread made me think that I s...
by david99
Thu Jun 30, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 31457

Re: What kind of car are you driving?

2000 Toyota Corolla with 92,000 miles. It runs well --- I'm just not sure how much longer I should keep it? I guess that the standard Boglehead response would be to "keep it until the wheels fall off".
by david99
Wed Jun 29, 2016 7:58 am
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 123
Views: 9842

Re: Fidelity lowers expense ratio of some index funds

I have a seven figure account with Fidelity all in index funds and they have yet try to sell me a more expensive fund even once.... in fact, they have never even called me or contacted me in any way unless I asked them to. I dumped some expensive AQR funds a while back and some guy from AQR called ...

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