Search found 343 matches

by meowcat
Fri Jul 14, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 4687

Re: When to max out 401k (Aspiring Early Retiree)

If you ever hope to retire at 50, you absolutely must save as much as you can as early as you can. That's just simple math.
by meowcat
Fri Jul 14, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 33
Views: 1964

Re: Is new car replacement insurance worth it?

I have new car replacement. Lucky for me because I just used it. My 3 month old Accord got totaled and my insurance bought me a brand new carbon copy. I didn't pay extra for it, though, it was included in my policy.
by meowcat
Wed Jul 12, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2470
Views: 766782

Re: What Book Are You Currently Reading? Part VI

Big John Grisham fan, here. I've read them all. Just finished The Whistler and Camino Island.
by meowcat
Mon Jul 10, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3255

Re: The cost of car ownership

I just bought a brand new Accord. I'm a boglehead. The only reason I did it was because: 1. I drove my last car for 15 years and put 200k miles on it. Beginning to leak oil. 2. I plan on keeping my new car for the same 15 plus years. 3. I can afford it and still continue to max out mine and my Wife'...
by meowcat
Wed Jul 05, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3624

Re: Expensive Car Repair, New Engine

Something doesnt add up Sure it does. The OP states that he bought the car "lightly" used. Unfortunately, there's no way for him to know for sure how it was maintained. I work in the business and I see lease returns all the time that have never had their oil changed. I've seen dealers ret...
by meowcat
Wed Jul 05, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 13136

Re: Are you finding any good values at Amazon anymore?

I don't do much buying on Amazon anymore. They used to be one of my favorite online retailers. Lately, though, they have become the worlds largest flea market. Too many third party sellers, peddling knock-off merchandise. I've been burned in the past purchasing items that were labeled original and i...
by meowcat
Thu Jun 15, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Getting a Florida Sunpass
Replies: 14
Views: 1354

Re: Getting a Florida Sunpass

[/quote] Agreed. The net cost of the sunpass is zero, as they typically give a $5 credit.[/quote] Last time I bought a 5 dollar Sunpass I was expecting the credit but I am pretty sure that I did not get it. I do like another poster's idea of Scotch Taping the thing to your windshield. I didn't think...
by meowcat
Wed Apr 26, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Schwab Vs. Vanguard?
Replies: 32
Views: 5227

Re: Schwab Vs. Vanguard?

Thanks for the info.
by meowcat
Wed Apr 26, 2017 6:23 am
Forum: Investing - Theory, News & General
Topic: Schwab Vs. Vanguard?
Replies: 32
Views: 5227

Schwab Vs. Vanguard?

I've been looking at Schwab's website, comparing costs between their index funds and Vanguard's, specifically, total stock market and S&P 500. There's a nice link on Schwab's site where you can compare costs with Vanguard funds. Something is amiss, however, as Schwab says Vanguard's TSM is 4 bas...
by meowcat
Tue Apr 25, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12171

Re: Ordering a Weber grill this week

Curse you guys! :happy Grill Grates are now on my wishlist. I'll give myself a week or so cooling off period before I place my order though. I'm considering only getting enough to cover half my grill as I think I would rather use the old grates to slow-cook items such as chicken at lower temps. Goo...
by meowcat
Tue Apr 25, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12171

Re: Ordering a Weber grill this week

Jimmy. The "heat capacity" is why the Weber comes standard with these big thick massive cast iron grill grates. Each grate weighs 5lbs (?). So it holds the heat and will not cool off or heat up fast. That is also what the sear burner is all about. It is BIG burner that puts out a lot of h...
by meowcat
Tue Apr 25, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12171

Re: Ordering a Weber grill this week

Meow. My Weber has a sear burner and three other burners. It gets to 600 degrees in about 10 minutes if I turn everything on and leave the lid closed. It is too hot to do steaks at that temperature, but it is great for pizza. I usually heat the grill to 400 degrees for cooking steaks and burgers. I...
by meowcat
Tue Apr 25, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12171

Re: Ordering a Weber grill this week

Now I am curious. Why use those aluminum grill mate things instead of the cast iron OEM grates from Weber. My Genesis came with great iron grates that do very good grill marks and let the oil and grease go down to the flame covers and burn. This is the way the grill was designed to work. The Weber ...
by meowcat
Mon Apr 24, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 12229

Re: Single most important investing advice?

I've been saving in a 401(k) since I was 24 years old. Of course, at that age I really didn't know what it truly meant for my future. That all changed when we moved to Florida in 2000. I couldn't get a job because I had lost my SS card and I had to go down the the nearest SS office to apply for a ne...
by meowcat
Wed Apr 19, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Favorite online sources for household & personal care items?
Replies: 11
Views: 887

Re: Favorite online sources for household & personal care items?

I've been pretty leery of Amazon, lately. I can just never be sure I'm getting real name brand stuff. I've been burned a couple of times already. We all know about the Tide debacle. The good thing about Amazon: they will make it right, fast.
by meowcat
Thu Apr 13, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2467

Re: Week in San Diego - What to do?

I'm from San Diego originally. definitely try and see the world famous San Diego Zoo. Old Town, Seaport Village, while you're there get up to the Top of the Hyatt and have a cocktail with views that are unbelievable. Gaslamp District, Sea World, Mission Bay, Have a drink at the barefoot Bar. Ride th...
by meowcat
Thu Apr 13, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12171

Re: Ordering a Weber grill this week

delete
by meowcat
Thu Apr 13, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12171

Re: Ordering a Weber grill this week

Big fan of Weber grilles, here. I had a S-310 a few years ago, it was a fine grill. The only issue I had with it was that it had to be used with the lid closed. It would not cook with the lid open, at all. I called Weber and they said it was normal. They said their grille's are designed and engineer...
by meowcat
Tue Apr 11, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Financial Advisers
Replies: 12
Views: 2047

Re: Financial Advisers

Client: "Are you a registered fiduciary?"
Adviser: "Why yes, yes I am. ('I'm not working as a fiduciary on your behalf, though') (under his breath)
by meowcat
Mon Mar 13, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: What do you expect to achieve with your Tilt?
Replies: 85
Views: 6627

Re: What do you expect to achieve with your Tilt?

I tilt heavily to Small and mid (not value). It's worked quite well for me in the past. My expectations are.. well, I've learned not to expect too much as high expectations often end in disappointment.
by meowcat
Fri Mar 10, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 12766

Re: GEICO auto rates vs. USAA: too good to be true?

Insurance companies always want to know why you're leaving but they will never actually do anything about it. Insurance Co: Mr. Jones, why are you leaving us? What can we do to keep you as a customer? Mr. Jones: You can lower my $6,000 annual rate by 5% Insurance Co: Sorry, can't do that. Anything e...
by meowcat
Tue Mar 07, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1933

Re: Am I Paying Too Much in Expense Ratio?

Pay particularly close attention to the chart that William4u posted. You are young so you have a potential savings career of 45 years. Did you notice that if you were to stay with your advisor the entire 45 years he and his company will be robbing you of 70% of your retirement money. Further, if you...
by meowcat
Thu Mar 02, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 17494

Re: Possibly Financially Independent and Feeling Miserable

I recently calculated I can spend the entirety of every single paycheck after 401k contributions for the rest of my life and still be ok. That is to say, I still have to work, but I don't have to save a single dime ever again. I can live paycheck to paycheck. Hi, TomCat. Can you elaborate on this a...
by meowcat
Sat Feb 18, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 32
Views: 2296

Re: Induction cooktop impressions?

Love my induction cooktop. Had gas before that and haven't looked back. Easy to wipe down and keep clean, easy to use as a surface when not cooking (putting a plate or bowl on it for instance. One tip I'd highly recommend if you are willing to pay extra is to get a zoneless model-- the cooktop is a...
by meowcat
Tue Feb 14, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: New car purchase
Replies: 12
Views: 1667

Re: New car purchase

I just put $6k on my card at a Honda dealer last night.
by meowcat
Tue Feb 14, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Paying asset management or going solo route.
Replies: 4
Views: 403

Re: Paying asset management or going solo route.

bbfuzion wrote: It has a 1 percent yearly fee and after it hits 250k it moves to a 1.3 percent fee.

This doesn't sound right, double check it. The more money you have with an institution the less you should be paying in fees.
by meowcat
Thu Jan 12, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 5813

Re: EJ not [costing me as much as] others?

I think that at the very best my portfolio is performing on par with the indices (after fees) Some of the brightest minds on this board have told you otherwise and after 3 pages of non biased feedback you continue to believe this. No one here has an agenda except to see you learn and succeed. The r...
by meowcat
Wed Jan 11, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Ft. Lauderdale
Replies: 8
Views: 1047

Re: Ft. Lauderdale

I live in south Florida, near Fort Lauderdale. There is plenty of waterfront dining and it's highly recommended. Take a ride on the Water Taxi and check out "Beverly Hills" on the water, Amazing. Las Olas shopping is a must. Lulu's Bait Shack on Fort Lauderdale beach is a landmark not to b...
by meowcat
Wed Jan 11, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 5813

Re: EJ not [costing me as much as] others?

I think that at the very best my portfolio is performing on par with the indices (after fees) Some of the brightest minds on this board have told you otherwise and after 3 pages of non biased feedback you continue to believe this. No one here has an agenda except to see you learn and succeed. The r...
by meowcat
Thu Jan 05, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 7866

Re: 500K milestone celebration

No small feat, congratulations!
by meowcat
Thu Jan 05, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: You have 5-10 minutes to teach someone about personal finance
Replies: 54
Views: 4429

Re: You have 5-10 minutes to teach someone about personal finance

blueberry wrote:
Live well below your means and learn to enjoy and take pride in that.

Best quote in the entire thread. This is gold.
by meowcat
Wed Jan 04, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1400
Views: 246915

Re: What are you up YTD? [Year To Date]

100% Equity
IRA: 11.6%
401(K): 15.93%
by meowcat
Thu Dec 29, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: What a exactly is a "separate account" in the context of a fund in a 401(k)?
Replies: 18
Views: 1232

Re: What a exactly is a "separate account" in the context of a fund in a 401(k)?

Our John Hancock 401(k) is run this way. They call it a group annuity. John Hancock invests in the funds themselves and your 401(k) contributions are invested with JH through the "sub accounts" that own the funds. The participant doesn't own the funds, JH does.
by meowcat
Fri Dec 16, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 4886

Re: Sous Vide?

..... My wife was skeptical at first but she loved the steaks and pork chops cooked this way and finished on a cast iron pan. I saw a video where Adam Savage (Mythbusters) did a video on the best way to sear a steak (outdoors). I may have to try that charcoal chimney method it warms up. https://www...
by meowcat
Tue Dec 13, 2016 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 5398

Re: What % of your net income do you save (not including 401k/IRA)

0% outside of retirement. About 30% (gross) goes to 2 401(k)'s
by meowcat
Mon Dec 12, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: A question for newbie Bogleheads
Replies: 22
Views: 2076

Re: A question for newbie Bogleheads

One percent didn't seem like much. It sure does now!
by meowcat
Tue Nov 15, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio return: very low. Any suggestions
Replies: 36
Views: 4214

Re: Portfolio return: very low. Any suggestions

boglefin wrote:The list of items in the portfolio is a bit too long to post here.

Big red flag, right there.
by meowcat
Mon Nov 07, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1742

Re: How to Proceed Going Forward.

Gosh, I'd really hate to think this has turned into a rent vs. own topic. I can see that it might seem that way but that really was not my intention. Basically, I just wanted to know if using taxable IRA funds to pay cash for a house is a wise decision. If not, just how ridiculous of an idea is it? ...
by meowcat
Mon Nov 07, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1742

Re: How to Proceed Going Forward.

Thanks, orca. Right now our rent is $2,300/mo and we easily manage that, even with our $48k/yr savings. I would like to keep a mortgage below that amount if possible. Actually, it should be easy to find a house with a smaller mortgage than our rent. Only two problems; One, it would take a long time...
by meowcat
Mon Nov 07, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1742

Re: How to Proceed Going Forward.

Thanks, orca. Right now our rent is $2,300/mo and we easily manage that, even with our $48k/yr savings. I would like to keep a mortgage below that amount if possible. Actually, it should be easy to find a house with a smaller mortgage than our rent. Only two problems; One, it would take a long time ...
by meowcat
Mon Nov 07, 2016 6:54 am
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1742

Re: How to Proceed Going Forward.

Thank you all for the feedback. perhaps a few more details. We'll be retiring on that infamous "two legged stool" as neither of us will have a pension. It is up to us to prepare. If the market cooperates and brings us a 4% nominal return we should retire with about 1.4 to 1.5 million combi...
by meowcat
Sun Nov 06, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1742

How to Proceed Going Forward.

My DW and I are facing a retirement quandary. I/We have had a mortgage for the last 32 years. 16 years in San Diego and now, 16 years in south Florida. Our mortgage in Florida had been extremely difficult to handle because we had two mortgages on the house and together they took up 55% of our take-h...
by meowcat
Wed Nov 02, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else experience a gigantic loss in real estate?
Replies: 66
Views: 7738

Re: Anyone else experience a gigantic loss in real estate?

Bought a condo in San Diego in 1986 for $78,900. Lived there 16 years when I sold it for a $45k profit. The couple that bought it from me turned around and sold it two years later for a $278k profit. :oops:
by meowcat
Thu Oct 27, 2016 8:03 am
Forum: Investing - Theory, News & General
Topic: Why Doesn't the DOL Understan the Term "Fiduciary"?
Replies: 21
Views: 2484

Why Doesn't the DOL Understan the Term "Fiduciary"?

Link: http://www.msn.com/en-us/money/personalfinance/morgan-stanley-sets-off-a-fight-over-the-cost-of-your-retirement-account/ar-AAjrfRS?li=BBnbfcN If I take money from a client and the client expects me to turn turn a profit for them, but instead, I continue to make a profit, even as they lose thei...
by meowcat
Thu Sep 29, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 9274

Re: Spouse concerned about buying luxury SUV

NYGiantsFan wrote:
sedans are not comfortable for long distance driving.

You were driving the wrong sedan. I find sedans much, much more comfortable than SUV's.
by meowcat
Thu Sep 29, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to become debt free?
Replies: 36
Views: 3835

Re: How to become debt free?

This is for someone I know, who wants help. But doesn't want to live like a pauper for the next few years. Still wants to buy "wants" like starbucks, seasonal decor, buy gifts for people, etc. Judging by the above statement, it's clear your friend has no interest in getting out of debt, w...
by meowcat
Tue Sep 27, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 80
Views: 7324

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

barnaclebob wrote:How often are you in a place where you can't jump it or at the very worst have someone run you to the auto store to replace it?

Murphy's law states that your battery will always die at the most inconvenient time and in the worst location possible. :mrgreen: :mrgreen:
by meowcat
Tue Sep 27, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 7054

Re: How it really feels to have investments during a bear market?

Don't know what you all were invested in to lose 60% of your portfolio's value. In 2008/2009 I was invested in 100% equities (S&P index) and my total decline was 47%.
by meowcat
Fri Sep 23, 2016 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Retirement options advice
Replies: 19
Views: 2278

Re: Retirement options advice

While the advice you'll receive here is generally excellent, you still have to be careful. Anyone can join this board and post messages. So, in reality, you're just getting advice from some random dude/dudette on the internet. It MAY be good advice, but you should verify. I would agree with this, g...
by meowcat
Tue Sep 13, 2016 6:12 am
Forum: Investing - Help with Personal Investments
Topic: I should be able to retire!!!! But how can I do it?
Replies: 40
Views: 5603

Re: I should be able to retire!!!! But how can I do it?

OP is probably including his contributions as return.

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