Search found 556 matches

by david99
Thu Jul 13, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4957

Re: $1368 for new shocks/struts on '05 Corolla?

Try getting an estimate on repairpal.com
by david99
Tue Jul 11, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4202

Re: Hundreds laid off at Fidelity

It looks like they want to keep more of their profits.
by david99
Wed Jul 05, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 10896

Re: What do you splurge on?

Travel, eating out, entertainment, and good quality gym.
by david99
Wed Jun 21, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 27
Views: 4523

Re: "Waiting for the Market to Crash is a Terrible Strategy"

You can go back to 2009 on the forum and read posts discouraging investing in lump sum, and promoting sitting on the sidelines because of valuations, etc. Hindsight seems to support those who weren't sitting. It's never been BH mainline thinking to discourage lump sum investing or to promote sideli...
by david99
Thu Jun 15, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6601

Re: AAA Cost

I pay $82 per year for one person for AAA plus. I think it's worth it. I needed a tow last December at 10 pm --- there were no garages open. I suppose that I could use GEICO but with AAA plus I get towing for up to 100 miles. Don't sweat the small stuff.
by david99
Sun Jun 11, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Repairs - Whose to Pay?
Replies: 32
Views: 2885

Re: Rental Property Repairs - Whose to Pay?

I wouldn't charge for the carpet cleaning since that is normal wear but if the carpet cleaning company has to charge you extra to get the stains out then I would charge them for the extra charge.

The microwave should be prorated over the ten year period.
by david99
Sun Jun 11, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2730

Re: 2004 LEXUS RX 330

I agree with the folks that say that you should aggressively pay off the Highlander and not buy the Lexus. Since Toyota is a good make, I would just keep it until the wheels fall off. It should be a good,reliable vehicle for many years. On the other hand the 2004 Lexus is going to have problems with...
by david99
Sat Jun 03, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 5329

Re: Is Flagship membership status worth a $50 [transaction] fee?

Flagship doesn't give you too much. We used to get free turbotax but they got rid of it. So I wouldn't bother.
by david99
Sun Apr 23, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3754

Re: how much house can we afford? Boston area.

I think that we are in a real estate bubble in the Boston area. I wouldn't be in a hurry to buy. I would wait for the next recession and see how secure my job is before I buy. Not owning real estate has the advantage that it's easy to move if you lose your job.
by david99
Sat Apr 22, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: 2017 Mazda CX-5 vs. 2017 Honda CRV
Replies: 17
Views: 3123

Re: 2017 Mazda CX-5 vs. 2017 Honda CRV

We bought a used Grand Touring CX-5 two years ago. It had very low mileage (about 12k miles) and it's been a great car. Fun to drive and very reliable. We've only had to change the oil and recently it needed a new battery at about 30k miles.
by david99
Fri Apr 21, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39428

Re: Larry Swedroe says "Goodby."

Larry,
Thanks for all your help. I greatly appreciated your advice and time spent on this site. Looking forward to reading your articles and books.
by david99
Tue Mar 21, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 5914

Re: Rule of Thumb for Getting Rid of Car

I think that it depends on your individual situation. Have you saved enough for retirement? Can you work from home if your car is in the shop for a day? How important is it for you to have a reliable car --- do you need to take the kids to daycare or visit an elderly parent every day?
by david99
Sat Mar 18, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 6521

Re: Suspicious organic products

If you do a search on nutritionfacts.org you can find some useful videos on organic products.
by david99
Tue Mar 14, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 4694

Re: When should you replace a vehicle?

It's a tough decision. I have a 2000 Corolla with 95,000 miles on it. It runs well and everything works but I'm reluctant to take it on a long trip--- I've already had some minor problems on long trips such as the engine light coming on. And recently one of the brake lines rusted and I had to get to...
by david99
Thu Mar 09, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 6602

Re: Camry Redesign

dm200 wrote:The latest Consumer Reports is the annual auto buying issue. It has a page on models to possibly wait for.

Is the Camry on the Consumer Reports list of cars to wait for?
by david99
Sun Mar 05, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 6602

Re: Camry Redesign

You may want to wait until the 2018 Camry has been out for six months. After six months you can go on the Camry forums and see what kind of issues people are having. I'm also considering buying the 2018 Camry but I'll wait at least of few months to read some reviews ---- as long as my older car cont...
by david99
Sun Mar 05, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Older car getting dents and dings :(
Replies: 26
Views: 2424

Re: Older car getting dents and dings :(

The best part about having an older car is that you don't have to worry about dents and dings. I have a 2000 Corolla and I don't worry about minor dents and dings. I would worry if I had a new car and would be more protective.
by david99
Sun Feb 19, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 23643

Re: Wow, Vanguard Flagship service is bad. Really bad.

I've been with Vanguard for over ten years and I've never had a problem with their customer service.
by david99
Fri Feb 17, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 55
Views: 6393

Re: Stock Market Fears

I was thinking of going from 60/40 to 50/50 about a year ago because I thought that we were due for a recession. Now I'm glad that I didn't do that. I'm sure that we will get a crash but we just don't know when.
by david99
Fri Feb 03, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 3034

Re: Lexus PreCollision Safety System (auto braking)

You might consider leasing a car because these safety features will get better over time. In three years there may be additional safety features that you want and will have to trade the car in again. It may be more cost effective to lease a car for two or three years.
by david99
Fri Jan 27, 2017 1:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 9805

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday, Taylor. Thanks for all your help over the years.
by david99
Mon Jan 09, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4413

Re: The funk - gym clothes

I always hang up my gym clothes on the shower rod and let them dry before I put them in the hamper.
by david99
Wed Dec 21, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 15978

Re: How old is your vehicle?

2000 Toyota Corolla with 94000 miles. It's a great car but rust is starting to get to it --- I had to replace a brake line and the mechanic said that the other brake will probably need replacing.
by david99
Sat Dec 17, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Buy a car or repair the old one
Replies: 17
Views: 1742

Re: Buy a car or repair the old one

One thing about older cars is that it tends to be one thing after another. I have a 2000 Corolla that recently had one brake line rust out and the mechanic said that the other brake line will need to be replaced soon. The car has only 94000 miles but rust is doing the car in, so I'm looking for anot...
by david99
Fri Dec 09, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Where To Shop For Used Cars?
Replies: 24
Views: 2782

Re: Where To Shop For Used Cars?

Try CarGurus and Autotrader. Craiglist is okay if meet the seller at a police station. Many police stations have set up areas where buyers and sellers can meet.
by david99
Sat Nov 05, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 6675

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: 7148

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: 26292

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: 6902

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: 10024

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: 3164

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: 3471

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: 3471

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: 7888

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: 3638

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: 18975

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: 7325

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: 7671

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: 267
Views: 51976

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: 3072

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: 4691

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: 6400

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: 9179

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: 64
Views: 16000

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: 35421

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: 7691

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: 2790
Views: 804537

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: 3253

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: 73
Views: 10713

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: 405

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.

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