Search found 531 matches

by david99
Sat Nov 05, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 4714

Re: New Dentist - Lots of Recommended Work

Four years ago I went to a dentist that said that I had a cavitity ---- she diagnosed it without an X-ray. I did't have anything done at the time because I was skeptical. I've been to two other dentists since then and they have not found anything wrong.
by david99
Thu Nov 03, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 5895

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

Moving to a bigger city can be great for your social life. I was single and living in a small city and my social life was the pits. Moving to a large city really helped---- dating is much better in a large city --- there are many more activities for singles.
by david99
Sun Oct 23, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 20949

Re: Need help. Drowning in debt and worried about the future and retirement

The long term picture looks pretty grim to me, but the short run picture isn't very good either. There is no emergency fund and very high monthly bills. You are one layoff/recession/health problem away from being homeless. You say you have 18 months left of child support for your eldest daughter, b...
by david99
Sat Oct 22, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 72
Views: 5042

Re: Putting in a Word About Tea - brands, types, etc.

One of my favorite teas is Stash Licorice Spice
by david99
Thu Oct 13, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Crossing the line (becoming a miser)
Replies: 71
Views: 9179

Re: Crossing the line (becoming a miser)

When I'm being too frugal I like to think of the line: If you don't spend and enjoy your money, somebody else will when your gone. I admit that I have a tendency to be frugal --- both my parents were like this. Obviously it's a balancing act because you don't want to spend money like crazy and have ...
by david99
Wed Oct 12, 2016 6:39 am
Forum: Personal Consumer Issues
Topic: Books to help prepare us for the inevitable aging process
Replies: 32
Views: 2662

Re: Books to help prepare us for the inevitable aging process

The books "Younger Next Year" and "Younger Next Year for Women" got me started and convinced that there are "Lifestyle" choices and changes we can make to fight baclk the forces of aging and decay. My latest reference (and inspiration) is "How Not to Die". Ho...
by david99
Sat Oct 08, 2016 8:05 pm
Forum: Personal Consumer Issues
Topic: Keep repairing car or get new car
Replies: 39
Views: 2519

Re: Keep repairing car or get new car

Dump it. You have problems you can't fix and at $1600/yr. for maintenance, you are getting into what a new car will cost you year to year if you also keep it for a long time. A new car will depreciate $2000 per year for the first three years and the insurance and excise tax will be more. Also you d...
by david99
Sat Oct 08, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Keep repairing car or get new car
Replies: 39
Views: 2519

Re: Keep repairing car or get new car

Dump it. You have problems you can't fix and at $1600/yr. for maintenance, you are getting into what a new car will cost you year to year if you also keep it for a long time. A new car will depreciate $2000 per year for the first three years and the insurance and excise tax will be more. Also you d...
by david99
Sat Oct 08, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 6393

Re: Vitamix Worth It?

I have yet to identify a need that my hand blender cannot fulfill. I do not make my own nut butter. Ditto. Our $15 Walmart blender is going on 5yrs of everyday, multiple times a day, use. One poster in another thread said something to the effect of "don't cheap out on a blender, it won't blend...
by david99
Sat Oct 08, 2016 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Ed Slott
Replies: 20
Views: 3472

Re: Ed Slott

I recently saw a PBS show featuring Ed Slott....Retirement Rescue. He claims the biggest concerns with retirement are taxes and risk. He claims you can minimize these by 1. converting all IRA's/401K's to Roth IRA's. 2. buying permanent life insurance as an investment. Any thoughts Thank you 1) In m...
by david99
Sun Oct 02, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Clearing car "Check Engine" light
Replies: 51
Views: 15074

Re: Clearing car "Check Engine" light

This can be a nuisance with some cars. My 2001 Corolla started turning this light when it was a few years old, and out of warranty. Two Toyota dealerships told me I had to replace the catalytic converter, at a cost of about $2000. Instead of doing that, I bought a cheap OBD2 scanner, and use it to ...
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: 80
Views: 5871

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: 56
Views: 6994

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: 39808

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: 2535

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: 3561

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: 5308

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: 7233

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: 10373

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: 33728

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: 76
Views: 6437

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: 2080
Views: 508101

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: 2838

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: 4129

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: 365

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: 2192

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: 3674

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: 3491

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: 2838

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: 14327

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: 6909

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: 1394

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: 7162

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: 8814

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: 5314

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: 1685

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: 3981

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: 711
Views: 119542

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: 2581

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: 1842

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: 4639

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: 2811

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: 22451

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: 22451

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: 546

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: 4950

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: 12509

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: 10009

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: 5147

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: 5462

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...

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