Search found 18 matches

by objectivefunction
Wed May 24, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 21
Views: 2333

Re: How to buy (or invest) into Bitcoin?

I was vaguely interested in bitcoin for a while. Partly laughing at the expense of people who lost money in the Mt Gox meltdown. I was very afraid to actually give money to an exchange. But the bitcoin world is very different now. Back then Mt Gox had a lion's share of the trading volume, and there ...
by objectivefunction
Wed May 24, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Max a 529?
Replies: 8
Views: 753

Re: Max a 529?

As a single income family, I've been jealous of people who have $36,000+ in tax deferred space each year. I get $18,000 401k + $5,500 for my wife's traditional IRA and maybe $6,500 in an HSA if I'm adventurous. So I was seriously crunching some numbers to see if I could hack my kid's 529's (or even ...
by objectivefunction
Sun May 21, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1639

Re: Vehicle recommendation for large family

Thanks for the feedback everyone! After hearing what people are saying, I'm leaning more towards just getting a sedan for me to drive around town (actually I'd love to get a Nissan Leaf), and using the minivan for trips. We take a yearly trip with my side of the family and have been able to make a m...
by objectivefunction
Sun May 21, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1639

Re: Vehicle recommendation for large family

Our Toyota Sienna has the 8th seat option. It's a removable seat that fits between the bucket seats in the middle row. I'm not sure what years offer it, ours is a 2011 model. We have an 8th seat in our minivan. The trouble is there are 8 seats and then there are 8 seats with car seats, which tend t...
by objectivefunction
Sun May 21, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1639

Re: Vehicle recommendation for large family

I would be inclined for a van style vs SUV. Something like the Sprinter or Nissan NV 3500 would be top of my list. That may souls certainly generates a lot of "stuff" that would need to be a part of the trip. Here is an article of someone who seems like they went through the same process....
by objectivefunction
Sun May 21, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1639

Re: Vehicle recommendation for large family

bottlecap wrote:Expedition
Excursion

Perhaps some minivans seat 7?


One option is to just keep the minivan and buy a cheap junker sedan for myself, and my wife is ok with this. We could probably make it work for trips around town.
by objectivefunction
Sun May 21, 2017 6:21 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1639

Vehicle recommendation for large family

My wife and I have four children (aged 11, 7, 5, 2), and number five is on the way in less than a month. We are currently a one car family (I work from home), but that has only been the case for about a year, and we figured it would be temporary. We expected with the new baby we'd need something big...
by objectivefunction
Thu Apr 13, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2557

Re: Problems with oil pans and plugs for Honda Odyssey

For the record I've never taken my cars to any "quick change" places, only (I thought) well rated independent mechanics.

And my next car will be an electric.
by objectivefunction
Wed Apr 12, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2557

Re: Problems with oil pans and plugs for Honda Odyssey

Chip wrote:Aluminum is easy to strip out compared to a steel oil pan.


I'm not sure if it makes a difference on way or the other, but it was the plug that stripped. I was shown the plug and the thread was sheared off. It looked like a spring.
by objectivefunction
Wed Apr 12, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2557

Problems with oil pans and plugs for Honda Odyssey

We had a 2004 Honda Odyssey (since sold) that had to have its oil pan replaced ($600) because the oil plug got stripped. Now our 2008 Honda Odyssey had a stripped oil plug. The mechanic drilled out a larger hole in the oil pan and put in a larger plug. After having done that the van was fine, but no...
by objectivefunction
Sat Jan 14, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard not the best choice for I401k or Sep IRA
Replies: 13
Views: 811

Re: Is Vanguard not the best choice for I401k or Sep IRA

I don't have any personal experience with it, but one reason I've heard people prefer Fidelity over Vanguard is Fidelity's plan documents will allow rolling in funds from a rollover TIRA whereas Vanguard does not.
by objectivefunction
Thu Jan 12, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 7384

Re: Amazon Prime Rewards Visa Signature Card

I am a household member of an Amazon Prime member. I still get the 3 percent, not 5. Can others confirm this is correct? Edit : Per Amazon chat I have checked and found that in order to get the 5% earning through your Amazon Visa Card, your amazon account should have a paid amazon prime membership....
by objectivefunction
Wed Jan 11, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 7384

Re: Amazon Prime Rewards Visa Signature Card

I am a household member of an Amazon Prime member. I still get the 3 percent, not 5. Can others confirm this is correct? Edit : Per Amazon chat I have checked and found that in order to get the 5% earning through your Amazon Visa Card, your amazon account should have a paid amazon prime membership....
by objectivefunction
Wed Jan 11, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 7384

Re: Amazon Prime Rewards Visa Signature Card

Any reason to get this over the 5% Synchrony card? I'm wondering. I have both (apparently). I signed up for a Chase Amazon Rewards Visa a while ago (I had Prime at the time), but I don't recall 5% back for a prime account. Is this new? I signed up for the Chase card to get a $50 Amazon GC, and have...
by objectivefunction
Wed Nov 23, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Moving from FTE to independent small business: how to save for retirement
Replies: 8
Views: 577

Re: Moving from FTE to independent small business: how to save for retirement

I don't know that I'm an expert, but I can share a little bit of experience. I've started a couple of single member LLCs in my home state (Virginia), and they are pretty easy to start and operate compared to a corporation. I always had the belief that I would want some kind of entity to shield my pe...
by objectivefunction
Wed Nov 16, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Open Enrollment, HSA, pregnancy
Replies: 5
Views: 597

Re: Open Enrollment, HSA, pregnancy

First of all, I should have mentioned before that my wife and I are in our mid-30's and the kids are 10, 7, 4, and 1. We have no chronic medical conditions or regular prescriptions among us. I think we've had 1 or 2 ER visits total. We mostly just do preventative visits, which would also be free wit...
by objectivefunction
Tue Nov 15, 2016 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Open Enrollment, HSA, pregnancy
Replies: 5
Views: 597

Open Enrollment, HSA, pregnancy

It is open enrollment at my employer, and I'm thinking about switching to a high deductible health plan with an HSA. I have been thinking about it for a little while. I'd like to use an HSA to save for (early) retirement because at the moment we are a single income family (stay-at-home mom + 4 kids ...
by objectivefunction
Wed May 04, 2016 5:04 am
Forum: Investing - Theory, News & General
Topic: Anyone try Jason Kelly's 3Sig Investing Method?
Replies: 16
Views: 2565

Re: Anyone try Jason Kelly's 3Sig Investing Method?

I've read Kelly's book, and got really interested in it and value averaging in general. It is basically a value averaging approach with a 3% per quarter value path. It seems like a simple idea at first (80% in small cap stocks with a 3% value path that pulls from/pushes to a bond fund), but then it ...

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