Search found 57 matches

by nick evets
Tue Apr 18, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 6325

Re: What kind of stuff would you never DIY, assuming you could?

If you do most things on your car, surely you have a floor jack, and if you pick a lift point midway between the tires (assuming you have an appropriate spot) you can quickly lift both tires off the ground on a side, making it easy to DIY 'tire rotation'. Fast and simple. I don't do the clockwise me...
by nick evets
Tue Apr 18, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Alternative to Sprint? DW and I pay $156/mo.
Replies: 8
Views: 604

Re: Alternative to Sprint? DW and I pay $156/mo.

Thx all -- I did check the Sprint website (more, in a bit), and some of the other resources. I like Cricket's offering, but we can't port our phones. Sprint's advertised offerings have a device requirement which bumps the advertised offer up in cst -- also, because they claim they're discounted plan...
by nick evets
Tue Apr 18, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Alternative to Sprint? DW and I pay $156/mo.
Replies: 8
Views: 604

Alternative to Sprint? DW and I pay $156/mo.

I've been with Sprint...forever. I get a 25% corporate discount. We have unlimited data, which is nice, and our bill for two lines is $156 a month. This includes $20/mo for my wife's "Hotspot" feature which isn't included with this plan. While I probably use 6-7G of data a month, my wife -...
by nick evets
Mon Apr 17, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Scratched bumper cost to repair
Replies: 17
Views: 1918

Re: Scratched bumper cost to repair

This won't help the OP, but for others, try a rubbing compound like meguiars or 3M for these scratches. You'd be amazed at what you can get out with them. JT It may help *next* time! I never thought about leaving a tin of rubbing compound and some rags/Scotchbrite sponge in my trunk. I can quickly ...
by nick evets
Mon Apr 17, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 199
Views: 20187

Re: Capital One 360 $200 bonus

[....] - Use self-checkout at grocery stores. Most major grocery stores now have a self-checkout lane that you can use a debit card with. This means you can easily split your weekly grocery shopping into as many separate transactions as required. Victoria I'm wrapping my head around standing in lin...
by nick evets
Sat Apr 15, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 2181

Re: Same branded components for home theater?

As another data point, I've always repurposed extra speakers for the surrounds. In a 5.1 system, they just don't carry enough sound to matter all that much, and justify the cost of matching. However the mains and center *do* matter. IMO, and all that. House upstairs: a pair of B&W mains and a ma...
by nick evets
Thu Apr 13, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mixed Feelings - "Investing" in my car
Replies: 6
Views: 1063

Re: Mixed Feelings - "Investing" in my car

I have mixed feelings. On one hand I feel bad about delaying the post-tax investing plan; on the other hand this is why we save: so we have money to do the things we need to do. Has anyone had a similar experience? I feel bad any time I have a firm plan to spend money on something, but can't becaus...
by nick evets
Thu Apr 13, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 9019

Re: Extreme Frugality vs Living Life - Where do you draw the line?

We spend money on quality of life items - nice hdtvs and top tier cable packages, attending professional sporting events, extremely powerful air conditioning and Lazy-boy leather furniture. To offset those costs, we eliminate unnecessary costs such as avoiding international travel (too many hassles...
by nick evets
Wed Apr 12, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Aggressive mortgage banker at Citibank - what's the point
Replies: 14
Views: 1599

Re: Aggressive mortgage banker at Citibank - what's the point

Don't try Quicken Loans, believe me. When we refinanced our home, I called them for a quote, and they were insistent on needing to get a credit report and start the application process before giving me a quote. Wasn't interested. I think they called every other day for two weeks. THEN, *other* banks...
by nick evets
Tue Apr 11, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking up with my Financial Advisor
Replies: 37
Views: 2624

Re: Breaking up with my Financial Advisor

We're still in the middle of disentangling ourselves from our CFP (weeks!!), and I've got an incredible amount of antipathy towards the financial services industry -- still, I think at least an email is warranted. Your advisor should understand why you're terminating the relationship, and ultimately...
by nick evets
Wed Apr 05, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Some Credit Cards Make You Spend More?
Replies: 69
Views: 4263

Re: Some Credit Cards Make You Spend More?

Ha....I recently obtained an AMEX gold card, for the promise of 50,000 points if I spend $3000 in 3 months. However at the same time my VISA card has a 2x points deal going on for groceries, gas and restaurants - the 3 categories for which I use a credit card for spending. Since the AMEX card doesn'...
by nick evets
Tue Apr 04, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Did you and your spouse have different opinions on retirement income need?
Replies: 31
Views: 2605

Re: Did you and your spouse have different opinions on retirement income need?

I would be hesitant to rent out a home that I actually live in for part of the year. The furniture, etc, in a house I would want to live in is different from that which I provide to renters. I think a house should be for renting, or living in, but not both. I would rather sell the one home and leas...
by nick evets
Mon Apr 03, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Did you and your spouse have different opinions on retirement income need?
Replies: 31
Views: 2605

Re: Did you and your spouse have different opinions on retirement income need?

We do. My husband wants to live off of dividends and not touch principal. He doesn't understand or trust the 4% withdrawal rate. His viewpoint is clouded by the memory of both sets of grandparents running out of their savings. The problem with this viewpoint is that obviously this strategy elevates...
by nick evets
Mon Apr 03, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Did you and your spouse have different opinions on retirement income need?
Replies: 31
Views: 2605

Re: Did you and your spouse have different opinions on retirement income need?

As far as different opinions between spouses - a constant source of friction between my wife and myself is 'not having a paycheck' in retirement .... I can see how that may become an issue. Anyway, this conversation took a harsher turn than I intended, and there are some significant subtleties to t...
by nick evets
Mon Apr 03, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Did you and your spouse have different opinions on retirement income need?
Replies: 31
Views: 2605

Did you and your spouse have different opinions on retirement income need?

I'm curious if, heading into retirement, how many people felt differently than their spouses about the necessary level of income? And if so, how did you reconcile? Because of some job changes and decisions in our 50's we now have two mortgages, and even in retirement don't see being able to eliminat...
by nick evets
Sun Apr 02, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Edward jones to vanguard?
Replies: 19
Views: 1862

Re: Edward jones to vanguard?

I find it odd that Edward Jones, Ameriprise, and the like, are considered the anti-Christ, but then people turn around and say, "Well, of course you can go with Vanguard, who offers a .3% management fee...." Isn't it the AUM model that's broken; not that X company charges .5%, while Y comp...
by nick evets
Sun Apr 02, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 44
Views: 5026

Re: Buying Sunglasses

I find myself in the middle on this debate: Costas, Maui's, Oakley's, etc, are nice, but for $200+ for a pair that's going to inevitably get scratched, lost, broken or stolen, I have a hard time spending that much. OTOH, some of the cheap 'no-name' polarized sunglasses sold by Walmart, Dick's Sporti...
by nick evets
Fri Mar 31, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5104

Re: anyone factor in future inheritance?

Disagree about the "ugly thoughts." None of us gets out if here alive, and facing reality means acknowledging that inheritances are a fact of life. Thinking about an inheritance does not mean that you want it soon. I understand, but at least personally, I can't come up with a scenario tha...
by nick evets
Fri Mar 31, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Keep two cars for one person to drive
Replies: 34
Views: 2718

Re: Keep two cars for one person to drive

Why not sell the Tacoma, and buy a used, high-mileage full-size pickup? You could probably find one in decent shape for around $10,000, and if you sold your Tacoma for $20,000 you'd come out well ahead. 2011 Tacoma is a already used pickup. I think Op is doing just fine financially with either sell...
by nick evets
Thu Mar 30, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5104

Re: anyone factor in future inheritance?

I certainly don't have the financial acuity that many here do, but...I'm very certain that best reason not to plan for an inheritance is that thinking about it leads to really ugly thoughts. I perhaps will inherit a modest (by Boglehead standards) sum, but I can't and won't count on it. If I could ,...
by nick evets
Thu Mar 30, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Keep two cars for one person to drive
Replies: 34
Views: 2718

Re: Keep two cars for one person to drive

I sometimes need a truck, but it's terrible as a daily driver. So I bought a used Mazda3. It probably doesn't make sense on paper, but it makes sense in life. Why not sell the Tacoma, and buy a used, high-mileage full-size pickup? You could probably find one in decent shape for around $10,000, and i...
by nick evets
Tue Mar 28, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Non-traded REIT - Analyzing how horrible, and trying to get out
Replies: 30
Views: 2554

Re: Non-traded REIT - Analyzing how horrible, and trying to get out

jbinker -- I'm in a similar situation, though somewhat of our own making, in that we trusted him, where our CFP (FA) put us in a 3 different non-traded REIT's in 2014. I've been trying to learn as much as I can, and it's very difficult trying to decide whether to keep them and wait them out or sell....
by nick evets
Sat Mar 25, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6579

Re: Justification for Adding REITs

Doc wrote:I think there is a misconception here. It is not that REITS are not publically traded it is just that many of them are not listed on a major stock exchange and therefore don't get into an Equity Index.


In the context of this discussion, would you consider public, non-traded REITs to be...REITs?
by nick evets
Sat Mar 25, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 86
Views: 5659

Re: Are Bogleheads in the minority on the use of investment advisors?

The crux of the issue is whether personal finance is in need of either advice or experts. The general importance of this forum is that people can do perfectly well without enlisting either advice or experts. In place of both comes some effort to learn fundamentals that anyone can understand and a w...
by nick evets
Fri Mar 24, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 86
Views: 5659

Re: Are Bogleheads in the minority on the use of investment advisors?

I've related our experience in a couple other threads, but our relationship came to an unhappy end after 3 years -- discovering this site was helpful (sort of the photographic proof of the infidelity) -- but even prior I had my suspicions, once I really looked at what we owned. It shouldn't be this ...
by nick evets
Wed Mar 22, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1548

Re: How do I share internet with my neighbor?

How far is his house? close enough to run/bury a Cat5e cable and bridge his router to yours? The difficulty is more ethical than technical.
by nick evets
Wed Mar 22, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do I owe my Financial Advisor a Fee for part of this year?
Replies: 6
Views: 668

Re: Do I owe my Financial Advisor a Fee for part of this year?

In your online Ameriprise account, you should see the bill and past statements with dates. If you just received an invoice for 2017, why would you owe anything? Again, see when you've paid, and when the 'fee' is due. If it's in the future, the correct question should be, "can I get some percent...
by nick evets
Wed Mar 22, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Very basic undertanding of taxable and tax-advantaged accounts
Replies: 12
Views: 823

Re: Very basic undertanding of taxable and tax-advantaged accounts

Thanks, all - very helpful and I know considerably more than I did before asking. :sharebeer
by nick evets
Wed Mar 22, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Very basic undertanding of taxable and tax-advantaged accounts
Replies: 12
Views: 823

Re: Very basic undertanding of taxable and tax-advantaged accounts

Thanks, all -- I ordered the Boglehead's Guide to Retirement Planning from Amazon. Getting it tomorrow, free shipping -- amazing. Ought to buy Amaz-- :) Seriously, this is very helpful. So I guess two more things to ponder in the meantime: 1) The ROTH contribution limits ($6500) are lifted if I rol...
by nick evets
Wed Mar 22, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Very basic undertanding of taxable and tax-advantaged accounts
Replies: 12
Views: 823

Re: Very basic undertanding of taxable and tax-advantaged accounts

Thanks, all -- I ordered the Boglehead's Guide to Retirement Planning from Amazon. Getting it tomorrow, free shipping -- amazing. Ought to buy Amaz-- :) Seriously, this is very helpful. So I guess two more things to ponder in the meantime: 1) The ROTH contribution limits ($6500) are lifted if I roll...
by nick evets
Wed Mar 22, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Very basic undertanding of taxable and tax-advantaged accounts
Replies: 12
Views: 823

Very basic undertanding of taxable and tax-advantaged accounts

All, I'm completely confused trying to follow various discussions on tax-advantaged accounts, taxable accounts, and who does what and why, since this is usually a starting point for some complicated strategy. Suggestions for a good book or links you've found helpful would be appreciated. At a high l...
by nick evets
Wed Mar 22, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Car Vandalism During Cross-Country Drive
Replies: 41
Views: 3594

Re: Car Vandalism During Cross-Country Drive

If you're worried about your car being vandalized, the drug that's most likely to cause your fears to be realized is....alcohol.

Stay away from college towns and Frat houses.

:beer
by nick evets
Wed Mar 22, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2755

Re: Anybody using the TERMINAL over the GUI in ubuntu?

saj wrote:Terminal is for servers. There are very, very few cases where a GUI is acceptable on a production server. I have yet find one.


Eh?

Many many datacenters, and enterprise environments run Windows Server, and/or leverage Active Directory, VMWare, etc. etc.
by nick evets
Tue Mar 21, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2755

Re: Anybody using the TERMINAL over the GUI in ubuntu?

It's horse for courses....Discounting folks that are just curmudgeonly, or bizarre. I think what you're really asking is who spends time (presumably for other-than-business reasons) in the command shell of the OS, vs the GUI environment? With Windows -- rarely to occasionally. MacOS quite often, and...
by nick evets
Mon Mar 20, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2900

Re: Planning if you don't care to leave an estate....

Thanks all -- I think I like these SPIA's, and hadn't thought about laddering. While I'm not here yet -- another 5-6 years -- I think what makes the most sense is to obtain a joint annuity that will cover an expense 'floor', then worry about how to cover the gap with the rest of the portfolio, and t...
by nick evets
Sun Mar 19, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 58
Views: 6200

Re: Should I leave Ameriprise?

We made the mistake of my wife trusting a friend who raved about her advisor -- said he saved her during the 2008 crisis, etc. We were naive; good enough for us. Quit 6 days ago: have sold all the assets we could (some we can't) and are in the process of transferring. This company's model is wretche...
by nick evets
Sun Mar 19, 2017 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2900

Re: Planning if you don't care to leave an estate....

You advisor probably dismissed them because he wouldn't get a piece of the pie in terms of commissions or AUM fees. Probably. He's no longer our advisor. Rather than counting them as bonds, you could consider using a "floor and upside" approach. Buy enough annuities to cover basic living ...
by nick evets
Sat Mar 18, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2900

Re: Planning if you don't care to leave an estate....

Thanks all! I do like the idea of a SPIA -- our advisor dismissed them out of hand, arguing the poor return, but they seems as reasonable as anything, and would allow any balance to remain in equities: ie, the SPIA could work as the 'bond' portion? Unknown of course is SS: I'm 51 and my wife is 55. ...
by nick evets
Sat Mar 18, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 2900

Planning if you don't care to leave an estate....

Now that we've left our advisor, I've been doing some retirement planning through various tools (Fidelity, and Financial Engines, through work -- FireCalc and my own spreadsheet, privately), and I'm more or less in the same range. But one factor is, we don't have children, and except for some money ...
by nick evets
Sat Mar 18, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: conflict of interest [CFA vs. fiduciary]
Replies: 27
Views: 2234

Re: conflict of interest [CFA vs. fiduciary]

Luckily, the internet is a wonderful thing, and all the information a person needs to learn is readily available at their fingertips, thanks to places like this forum. Yes, and that's further evidence that the paradigm is broken, from my limited, but personal and painful experience. With other serv...
by nick evets
Sat Mar 18, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 2039

Re: When does a new computer make sense...

Hi, Just asking for some advice and thoughts on new computers. I remember the "hayday" of computers when capabilities were growing so fast I would literally buy one every two years or so. However, since about 2005 or so, I have seen very little compelling evidence to go get a new one. I h...
by nick evets
Thu Mar 16, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase and Sale of home: pearls of advice
Replies: 29
Views: 2659

Re: Purchase and Sale of home: pearls of advice

Hmm.... Expecting a 'home inspection' to uncover real issues is like having a neighbor drive a prospective car purchase around the block, once, and tell you what's wrong with it. After you've bought the house, but before you've moved in, is the golden opportunity for any change/painting/etc you wish...
by nick evets
Thu Mar 16, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: conflict of interest [CFA vs. fiduciary]
Replies: 27
Views: 2234

Re: conflict of interest [CFA vs. fiduciary]

[much good stuff deleted...] You're not just paying for the fund - or you shouldn't be. I agree. IF there's complete trust and disclosure, then yes. So you understand what you're buying or not buying or have some reasonable expectation of trust and performance. But all that is completely lost is th...
by nick evets
Thu Mar 16, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Convincing Someone To Dump A Bad Financial Advisor
Replies: 39
Views: 3526

Re: Convincing Someone To Dump A Bad Financial Advisor

Did your mother ask for your advice? If the answer is no, then you should mind your own business and stay out of it. Unsolicited advice is rarely welcomed and almost never followed. +1 I'm always, amazed, too, how children have no credibility. My wife is a PharmD, and her mother won't listen to a w...
by nick evets
Thu Mar 16, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: conflict of interest [CFA vs. fiduciary]
Replies: 27
Views: 2234

Re: conflict of interest [CFA vs. fiduciary]

This is not the subject of the thread. But broadly speaking this board has an impossible time understanding the fiduciary standard... as though it is negatively correlated with cost (which its not). Now, to be fair much of the obfuscation is industry and money driven, but just because a characteris...
by nick evets
Wed Mar 15, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: conflict of interest [CFA vs. fiduciary]
Replies: 27
Views: 2234

Re: conflict of interest [CFA vs. fiduciary]

Thx LadyGeek....Our advisor is a CFP®. From the links, it looks like that mandates a fiduciary duty? When I go to the "Investment Adviser" link he's also registered as a licensed Investment Adviser. No complaints on either the FINRA or CFP websites. How can selling non-traded REITs with ze...
by nick evets
Wed Mar 15, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: conflict of interest [CFA vs. fiduciary]
Replies: 27
Views: 2234

Re: conflict of interest

We're unwinding our 3-yr relationship with a CFP, and had some very ugly words on this subject, as leaving. I'm not licensed to practice medicine, and when a family member is ill I anticipate our doctor will charge us, yes, but also deliver care in the patient's best interest -- not chose care that ...
by nick evets
Tue Mar 14, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: loose stock vs. 401k vs. ROTH IRA
Replies: 9
Views: 563

Re: loose stock vs. 401k vs. ROTH IRA

Play the market and emergency account don't belong in the same sentence. Chances are you'll need cash just when the play money is down 50%, and that will be the least likely source of cash you will tap. Make a decision and call it play money and don't even consider it for other uses, since there's ...
by nick evets
Mon Mar 13, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: loose stock vs. 401k vs. ROTH IRA
Replies: 9
Views: 563

Re: loose stock vs. 401k vs. ROTH IRA

If retiring before 59.5 it might be wise to review your asset split between taxable, traditional, and Roth and make sure you have sufficient accessible funds for early retirement. Thanks, that is a good point. Because my wife is 5 years older, she'll have access to her 401k-like plan, but we haven'...
by nick evets
Mon Mar 13, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: loose stock vs. 401k vs. ROTH IRA
Replies: 9
Views: 563

Re: loose stock vs. 401k vs. ROTH IRA

Thx all -- I'm 51, and my wife is 56. We hope to partially retire -- in 4-5 years. So I'm on the fence. I enjoy having a small fund to use to 'play the market,' and I like have the money available as sort of a second tier emergency account....OTOH, I do hate not funding a 401k fully. Something I did...

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