Search found 453 matches

by onourway
Sat Dec 16, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 34
Views: 1355

Re: Electric Energy Usage

Family of 5 in the NE. About 2000 sq. ft of living area. Most of our appliances, heating, and hot water are gas. LED lights everywhere. We use on average about 500kWh of electricity. Thermostat at 68 24/7 all winter. No a/c in summer. Our total energy bill for the entire year, electric and natural g...
by onourway
Thu Dec 14, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is there still time to open a backdoor Roth this year?
Replies: 7
Views: 535

Re: Is there still time to open a backdoor Roth this year?

If you already have an account at Vanguard I don't see why this would take more than a couple of days. Sell from taxable and open tIRA one day. Move the funds to the tIRA. Convert the next day.
by onourway
Thu Dec 14, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1093

Re: Need to find a Used/Refurbished Macbook Air

If she's shopping in the ~$900 price range I would suggest she consider the 12" Macbook instead. They start at $950 on the Apple refurbished site (which essentially like buying brand-new). They come with a 256GB SSD rather than 128GB, which is going to get cramped really quickly. Is is thinner and l...
by onourway
Thu Dec 14, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1093

Re: Need to find a Used/Refurbished Macbook Air

What is your budget?

11" or 13"?
by onourway
Thu Dec 14, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6020

Re: Snow Tires? Worth it?

onourway would you mind giving the main strengths and especially weaknesses of the WRG3 compared to dedicated non-studded winter tires? I have owned several sets of winter tires including one set of Hakkas years ago for regular weekend ski trips. More recently I lived in southern Ont and could walk...
by onourway
Thu Dec 14, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: FIFO and withdrawals from taxable
Replies: 12
Views: 539

Re: FIFO and withdrawals from taxable

There is a major thread going on regarding the pre-payment of SALT taxes, largely due to the same kind of assumptions about the proposed changes to tax law. I don't see how this is any different.
by onourway
Wed Dec 13, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA worth it?
Replies: 21
Views: 1617

Re: Backdoor Roth IRA worth it?

Option 3. Petition your current employer for a better plan. They have a fiduciary responsibility in managing the plan. It may be that they are failing that test. https://www.bogleheads.org/wiki/How_to_ ... 01(k)_plan
by onourway
Wed Dec 13, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 2727

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

Deciding on how to do this now. Between 401k and HSA contributions, regular savings into our budgeted sinking funds, childcare and school expenses, and my attempt to get a sizable taxable account built up to cover mid-term expenses and give us additional life flexibility I'm having a hard time decid...
by onourway
Wed Dec 13, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Sinking fund for dream cars
Replies: 23
Views: 1556

Re: Sinking fund for dream cars

I would just focus on saving as much as I possibly could in the most efficient manner possible. When the time comes that I'm retired and I need a new car or two I will buy whatever I feel like at that time based on the current circumstances.
by onourway
Wed Dec 13, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 29
Views: 2750

Re: Vanguard will use blockchain to share index data

I understand that. But my question is if bitcoin is an implementation of blockchain, but you can create as many implementations of the block chain as you want, why would bitcoin have value. I don't necessarily believe this myself, but the general thought is first mover status. The network effect of...
by onourway
Wed Dec 13, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6020

Re: Snow Tires? Worth it?

So why don't you drive a tracked vehicle since it obviously handles better on snow and ice than snow tires? Or why don't you just stay home where it is much much safer than driving on snow and ice so you don't put those kiddos in jeopardy at all? At some point we all have to make a decision on whet...
by onourway
Wed Dec 13, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6020

Re: Snow Tires? Worth it?

What about a mix between snow/ice/wet/dry roads in winter conditions? I am considering snow tires like the X-ice or Blizzaks but my concern is per consumer reports ratings snow tires don't perform well in wet or dry conditions. My commute is 3-6 inch deep snow, and few icy hills. But in the late fa...
by onourway
Tue Dec 12, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6020

Re: Snow Tires? Worth it?

MechEs and ChemEs. I'd cringe too if I realized I sunk a thousand bucks and spent 2hrs each spring/fall on something that was not totally necessary. It isn't anything like a thousand bucks. The total cost is the same minus the difference of the price of a spare set of wheels (which are usually sold...
by onourway
Tue Dec 12, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help trying to simplify asset allocation to fit 3 fund portfolio
Replies: 12
Views: 978

Re: Help trying to simplify asset allocation to fit 3 fund portfolio

I like your strategy (or at least visualization of it) - my only concern is that it seems like it doesn't take into account the lack of options in His 401k (TSP funds only) - or are there equivalent TSP funds for Total Bond, International and TSM? Would that be the F, I and C funds? I'm not that fa...
by onourway
Tue Dec 12, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help trying to simplify asset allocation to fit 3 fund portfolio
Replies: 12
Views: 978

Re: Help trying to simplify asset allocation to fit 3 fund portfolio

With a multitude of different accounts I have found it easiest for us to minimize the number of holdings we have in each. We still follow the '3-fund' principles, but we look at our investments in 'buckets' that span multiple accounts. So we have a Retirement bucket, a desired asset allocation, and ...
by onourway
Tue Dec 12, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6020

Re: Snow Tires? Worth it?

Some years ago I said the heck with that and leave the snow tires on all year. I feel vaguely guilty, but I am not sure why it is a bad thing to do that, if it is? Certainly in the snow, snow tires are 10000% better than regular tires, in my experience. Most snow tires are designed with rubber that...
by onourway
Tue Dec 12, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6020

Re: Snow Tires? Worth it?

All season are... All season. If this car is for driving on plowed roads, all season is all you need. Snow tires may give people the illusion they have better traction on ice which could cause one to go faster than the conditions allow. I work in a group of engineers and this topic is discussed oft...
by onourway
Tue Dec 12, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6020

Re: Snow Tires? Worth it?

Epsilon Delta wrote:
Mon Dec 11, 2017 11:21 pm
You also need either anti-seize or a six foot breaker bar.

Any man who puts nuts on dry would letterspace blackletter.
Anti-seize/grease should not be used. Torque values are calculated dry.

https://blog.tirerack.com/blog/yokohama ... ly-torqued
by onourway
Mon Dec 11, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1543

Re: Progressive Insurance

I used them for years and was perfectly happy. Only changed when I came to the same realization. Insurance is one product where loyalty is not much rewarded. It pays to shop around.
by onourway
Mon Dec 11, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: SodaStream Jet vs SodaStream Fizzi vs no SodaStream
Replies: 4
Views: 362

Re: SodaStream Jet vs SodaStream Fizzi vs no SodaStream

We have been using a SodaStream at home for a couple of years for the same reasons. I'm a fan. My wife is ambivalent. I haven't closely tracked, but we go 1-2 months on a canister and we drink at least 1 bottle per day. Seems about in-line with the 60l claim. The issue my wife has with it is that it...
by onourway
Mon Dec 11, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6020

Re: Snow Tires? Worth it?

100% worth it if your locale gets a reasonable amount of snow or cold weather. AWD gets you moving. It does not help you stop or steer. If you can give us a general region you are in, that will help somewhat with the recommendation for a specific tire. In my opinion Nokian makes the best snow tires....
by onourway
Mon Dec 11, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 3793

Re: Did Capital One 360 Savings raise rates?

Just FYI, my wife and I have had our 360 accounts since the ING days. We keep most of our cash in the Money Market account now, but often leave the other 360 accounts empty for months or years at a time. No problem. We primarily keep one joint 360 account to transfer money back and forth to each oth...
by onourway
Sat Dec 09, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4468

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

It sounds like your friend is good at acquiring hard assets, but has a hard time managing cashflow. These have largely been suggested already, but again, he has *lots* of other options. He has chosen a non-traditional way of managing his wealth, yet he's miffed that the traditional banks won't play ...
by onourway
Fri Dec 08, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 82
Views: 10671

Re: Just not getting it

When I first got here I had a brief fascination as well with putting together my own portfolio that fit exactly what I thought I wanted. It took me a while to really understand that all I was doing was re-arranging the pieces of a puzzle that was already completed. The future will inevitably look di...
by onourway
Fri Dec 08, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 3862

Re: Which is better: Wellesley or 5-yr 2.5% CD?

Thanks, all, for your quick replies! My friend won't touch the money for at least five years (he's open to leaving it in longer, but five years minimum), so there will be no panic selling. And he doesn't need to reach a certain goal, per se, just not lose principal, and he needs to make more than t...
by onourway
Fri Dec 08, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 3862

Re: Which is better: Wellesley or 5-yr 2.5% CD?

Well, which one of his two opposing goals is most important? If he 'cannot afford to lose any money on it' then he needs something guaranteed - so the CD wins. If he also 'needs to make some money on it' that indicates that without making a better return, he will not reach his goal, which means he n...
by onourway
Thu Dec 07, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 3793

Re: Did Capital One 360 Savings raise rates?

I am still showing 0.75% for 360 accounts and 1.3% for MM.
by onourway
Wed Dec 06, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 69
Views: 6237

Re: Dad Needs Help Buying Wedding Liquor

I bought a couple of bottles of liquor just prior to Thanksgiving and the store printed out a couple of extra receipts. Turns out there are rebates available on a lot of liquor this time of year. For a single bottle it's only $6-7, but there were a bunch for $60 or so when buying multiple bottles at...
by onourway
Wed Dec 06, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1948

Re: Least/Most Reliable Carmakers Today

This thread is more actionable. I tried to quote you but it wouldn't let me quote a locked thread. I thought you had a great post. I messaged the mod but never heard back so I started a new thread. What is the most reliable carmaker seems to be more arguable and actionable IMO. We'll see. Thank you...
by onourway
Wed Dec 06, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1948

Re: Least/Most Reliable Carmakers Today

Good point. That said, projecting reliabilty forward ten years based on data from ten year old models today seems problematic, since manufacturer standards can change dramatically over a 10 year period, especially for relative newcomers. A 2017 Kia may be of very different quality from a 2007 Kia ,...
by onourway
Wed Dec 06, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1948

Re: Least/Most Reliable Carmakers Today

There are a very large number of ways to collect and analyze data that are nonsense. Lots of them look okay. That's what makes statistics hard. For example in the graphics there are no error bars. It's possible there was one Mini with a cracked block which is bad for the owner of that car, but tell...
by onourway
Wed Dec 06, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1948

Re: Least/Most Reliable Carmakers Today

CR's reliability ratings are vastly different. For example, CR rates Kia as the third most reliable model, just behind Toyota and Lexus, while OP's rating system has Kia rated near bottom. https://www.consumerreports.org/car-reliability-owner-satisfaction/car-brands-reliability-how-they-stack-up/ S...
by onourway
Wed Dec 06, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1948

Re: Least/Most Reliable Carmakers Today

I'm not sure it makes much sense to compare makes over a wide number of years and models on a blanket basis. It makes no sense whatsoever to compare the reliability of a 2005 Chevy Cobalt to a 2017 Porsche 911 Turbo S. They are on different planets in terms of cost and design. But that's what you a...
by onourway
Wed Dec 06, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1948

Re: Least/Most Reliable Carmakers Today

NJdad6 wrote:
Wed Dec 06, 2017 2:29 pm
Still think it is nonsense.
I'm having a hard time seeing how it is nonsense. They collect data directly from the auction houses of what problems are actually being found in their inventory.
by onourway
Wed Dec 06, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1948

Re: Least/Most Reliable Carmakers Today

I don't think that list was ever accurate. According to more trustworthy sources brands like MB, Saab, Chevy tend to be below average and Mazda, Subaru, Hyundai, Kia and even Audi are above average. Although far from perfect CR tends to be the most reliable source for this data. However, as stated ...
by onourway
Wed Dec 06, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1948

Re: Least/Most Reliable Carmakers Today

@Alexa9, why are you re-posting my post verbatim from a locked thread? As I said in that thread, dashboard-light is very up-front with what they monitor. This chart is long-term reliability of powertrain related issues only. http://www.dashboard-light.com/click-here-first/ Like that thread, this thr...
by onourway
Tue Dec 05, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 651

Re: Past Perception of Automakers vs. Today

Interesting, but I wonder how they measure these ratings fairly. Touch screen issues are less of a problem than powertrain failures. German luxury cars definitely have a lot more technology to be fair (more to go wrong). They are fairly up-front with their method and limitations. Currently they mea...
by onourway
Tue Dec 05, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 651

Re: Past Perception of Automakers vs. Today

I think the 'Asian cars good, everything else bad' theory is way out of date. I've found this site to have good reliability data that broadly agrees with the overall market perception in most cases, and seems very good at identifying the problem models. http://www.dashboard-light.com This is what th...
by onourway
Tue Dec 05, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: working in the oil fields as a mechanic.
Replies: 21
Views: 2099

Re: working in the oil fields as a mechanic.

What are you looking to know? There are a wide variety of oil field jobs. All of them suck in some way. Some much more so than others. What level schooling do you have and what do you consider yourself good at? Are you ok working insanely long hours in all weather conditions under high stress knowin...
by onourway
Tue Dec 05, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4627

Re: selling an older car on eBay-no bites!

dm200 wrote:
Tue Dec 05, 2017 9:25 am
Good - since I am looking for a used car now...
Indeed! I was going to point out that this is car shopping season for Bogleheads!
by onourway
Tue Dec 05, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6649

Re: How to convince DW that high miles used car is OK

I would be the primary driver - almost all local, short trips. Her "issue" is financial - the belief that a less expensive very old, high mileage car will end up needing repairs. Safety or getting stranded are not her primary concerns. If her issue is primarily financial, to me it's quite clear tha...
by onourway
Tue Dec 05, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6649

Re: How to convince DW that high miles used car is OK

I realize this is a very personal calculation, and for women this is going to be somewhat different, but my experience is that the fear of something bad happening is a much bigger part of the equation than the likelihood of something bad actually happening in an old car. Further, what actually happe...
by onourway
Tue Dec 05, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4627

Re: selling an older car on eBay-no bites!

I see a couple of posts about the time of year mattering when selling a car. Why is that? Same reason real estate has a season. As a general rule, the market for cars is strongest ~April to September, and weakest ~November to late January. This is more pronounced in the used car market, and much mo...
by onourway
Mon Dec 04, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4627

Re: selling an older car on eBay-no bites!

Selling any car, let alone a classic car is difficult this time of year in much of the country. You'd probably be wise to sit on it until April when the market really comes back to life.
by onourway
Sun Dec 03, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2344

Re: BH Volvo XC90 Review

Congrats! Beautiful cars. We will almost certainly be buying another one when we are done with our 2010 model. Nearing 90k and not a single non-wear maintenance yet.
by onourway
Sat Dec 02, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Another “How Much Home” Question
Replies: 5
Views: 622

Re: Another “How Much Home” Question

Sounds good to me. :sharebeer
by onourway
Sat Dec 02, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for the Next Eight Years - Any Concern or Red Flag?
Replies: 21
Views: 2743

Re: Plan for the Next Eight Years - Any Concern or Red Flag?

I agree with MoonOrb. I think designating the $210k cash as all emergency fund money is muddying the waters here. It appears you expect to have ~$60k of expenses when you ignore college costs during this period. Why do you need 3.5 years of expenses held in cash right now? You might designate say, $...
by onourway
Thu Nov 30, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 4526

Re: Are plasma TV's gone forever?

I think they're gone. Still holding on to our Panasonic Plasma. Great picture quality. Granted the bezels are huge and the glare is an issue during the day. Holding out for OLED to come way down in price...
by onourway
Thu Nov 30, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much home can we afford?
Replies: 29
Views: 1706

Re: How much home can we afford?

I was more thinking of having the house then having the baby :D The premise of the question isn't that I want to buy the maximum house I can afford. That's an easy question--go to the mortgage lender find out how much they'll give us and go spend it. I'm looking for a reasonable amount to spend tha...
by onourway
Thu Nov 30, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: How much home can we afford?
Replies: 29
Views: 1706

Re: How much home can we afford?

2% annual maintenance on a house in the $500k range where the land makes up most of the value of the house? That seems a bit steep unless they are planning on hiring Feng Shui certified landscapers, or union electricians when their light bulbs need replacing. In my experience in this region housing...