Search found 500 matches

by sco
Sun Jul 23, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3383

Re: Healthiest Beer for the Buck

You should get your health info from someone other than FoodBabe.. that's where I would start

"Soaked in roundup" really?
by sco
Sun Jul 23, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3383

Re: Healthiest Beer for the Buck

You should get your health info from someone other than FoodBabe.. that's where I would start

"Soaked in roundup" really?
by sco
Sun Jul 23, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 2483

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

I'd do both, ask what installing each separately would cost... likely most of the savings is labor doing them both at the same time..
by sco
Sat Jul 22, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331800

Re: What's Your Credit Card Rewards Strategy?

The Mint was just trying to move a product that they
1. Were required to make
2. We're not allowed to push another way (decreasing bill production)
by sco
Sat Jul 22, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 3946

Re: Flying first class/ business......

I've had flights where I'm cancelled in first, and I've gladly taken the next economy seat out in a couple hours.... because the next first seat was a day or two later...
by sco
Fri Jul 21, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2699

Re: Do you pay fees to buy funds or ETFs?

I have Geico and didn't know that. How are you expected to prove that you are a stockholder? It is on the honor system, as far as I know. I have never needed to prove I own a share. I'm sure I have Berkshire Hathaway stock in my VTI. Does that count? :D As I said above, it probably won't make a dif...
by sco
Thu Jul 20, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 5025

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

You can buy 100LL (100 octane low lead) at the nearest small airport, which often offer a self-serve pump. This fuel is usually posted "for aircraft use only", but it is definitely ethanol free. In my area it's about $3.50/gal. Having said that, I use regular unleaded with 10% ethanol in ...
by sco
Thu Jul 20, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 5025

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

You can buy 100LL (100 octane low lead) at the nearest small airport, which often offer a self-serve pump. This fuel is usually posted "for aircraft use only", but it is definitely ethanol free. In my area it's about $3.50/gal. Having said that, I use regular unleaded with 10% ethanol in ...
by sco
Wed Jul 19, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 5025

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

At this point in time, finding and using ethanol-free gasoline is probably more important than which brand of mower you buy. Local gas station has ethanol free gas but I am afraid to buy it. It costs a lot more, so I don't think many buy it and the inventory may not turn over. I am afraid it would ...
by sco
Wed Jul 19, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 5025

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

At this point in time, finding and using ethanol-free gasoline is probably more important than which brand of mower you buy. Local gas station has ethanol free gas but I am afraid to buy it. It costs a lot more, so I don't think many buy it and the inventory may not turn over. I am afraid it would ...
by sco
Wed Jul 19, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Family Tents
Replies: 10
Views: 945

Re: Family Tents

Figure out how much you are really going to use it...
by sco
Tue Jul 18, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2268

Re: How Much Would You Spend on a Blender?

We've had the same walmart ($20?) model since we got married. 17'ish years ago...

I wouldn't even buy another one if it broke, but apparently it gets used occasionally. I'd probably replace it with something similiar, for our uses.
by sco
Sun Jul 16, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2699

Re: Do you pay fees to buy funds or ETFs?

I've never paid a fee, but someday I may end up moving some accounts and have to pay a little to liquidate over time... or the place I move to may still be giving out free trades? When selling the cost of a 4.95 trade doesn't concern me, the cost of tax implications is a concern
by sco
Thu Jul 13, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 30
Views: 3680

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?

Yeah, I just did this. YOu really have to book them the day they open up. (90 days before?) Call one of the local touring places, bundle it with a hop on/hop off bus tour of the city (over 2 days). You'll get to see Alcatraz and the City tour is a good way to see a lot and not spend all your time wa...
by sco
Wed Jul 12, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11983

Re: How did you handle the costs of your child's wedding?

The mean is much lower than $35k
by sco
Thu Jun 29, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 3796

Re: Stupid Security Questions

Fletch wrote:
samsoes wrote:
sco wrote:
...
That's like remembering your 2nd grade teachers name...


Rosabell

(2nd grade was c. 1970)



My second grade teacher's name was Mrs. :beer



Genius ;)
by sco
Tue Jun 27, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 3796

Re: Stupid Security Questions

These questions work so much better when you can write the question and the answer... Of course there are a few that mess that up for the rest of us... But "What was you favorite movie as a kid?" Really? Movie, as a Kid? What Kid, when, where at? How is that supposed to be a definitive ans...
by sco
Thu Jun 22, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4658

Re: Help with Guns in Estate [how to sell]

We don't have "Gun Buybacks" here... Where they hand you $150-300 for anything you show up with. Those are ripe for people to buy a brand new $100 pistol and get $300 for it. Or just bring in stolen ones. ALso, people tend to show up with grandpas old gun (that is worth some money)... So i...
by sco
Tue Jun 20, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4658

Re: Help with Guns in Estate [how to sell]

Yes it does matter that you are in Oregon, as private sales may be restricted there. This means that you have to sell everything THRU a dealer, no necessarily TO a dealer. Consignment is an option, as is finding a buyer on your own and using the dealer to process the appropriate paperwork. The easie...
by sco
Tue Jun 20, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 1929

Re: Change Auto & Umbrella Insurance after 52 years?

I just did this with my auto and home. It was maybe 30 minutes work. I downloaded my existing policies and typed up the specifics in a word document. Then I visited 3 of the major online ins companies, I pasted everything in and ensured that all coverages matched what I wanted. There was $1000 every...
by sco
Tue Jun 20, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: 19 y/o Windfall Questions
Replies: 25
Views: 3048

Re: 19 y/o Windfall Questions

Taxable account in either Total Stock Market or an Age based Target fund. Every year she has earned income move that amount (up to $5500) from the taxable account to a Roth contribution. Re-evaluate in 5 years.
by sco
Tue Jun 20, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Full comprehensive or liability only?
Replies: 30
Views: 2296

Re: Full comprehensive or liability only?

I look at risk. Windshields are expensive to replace. I disagree, I had a front windshield of a SUV replaced for $350 the same day, in my driveway. . Good install, no issues.. And no, I didn't do it myself. It took about 45 minutes beginning to end.. You do need to shop it around, 20 minutes well s...
by sco
Mon Jun 19, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 1929

Re: Change Auto & Umbrella Insurance after 52 years?

They give discounts to new customers, just like everyone. It is money in your pocket if you switch, they likely won't offer you anything when you cancel.
by sco
Sun Jun 18, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Has Vanguard gotten too big?
Replies: 30
Views: 4217

Re: Has Vanguard gotten too big?

Vanguard can accommodate this... Fidelity can, and you might find them easier to engage... However, they may try to move you into some other things that are to their benefit.... I am super happy taking Jack's advice and going with extremely low fee index funds for my investments. No one at Fidelity...
by sco
Sat Jun 17, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Has Vanguard gotten too big?
Replies: 30
Views: 4217

Re: Has Vanguard gotten too big?

Vanguard can accommodate this...

Fidelity can, and you might find them easier to engage... However, they may try to move you into some other things that are to their benefit....
by sco
Thu Jun 15, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2735

Re: 2004 LEXUS RX 330

How long will it take you to pay off the 31K? If you guys are debt free, you can probably do it in about a year. Just do that. I think we can knock it out in 18-24 months. I'd do that for sure. There are a lot worse mistakes than buying a new car and keeping it 10-15 years, even if you took a 3% lo...
by sco
Thu Jun 15, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 118
Views: 14800

Re: Dealership rejecting rebate after contract signed

Hello bh world Sorry for the delay in updating. After attempting a couple of more times to talk with the sales guy to understand my options, I was annoyed by his flippant responses, and when he ended a conversation with "I will see how my gm wants to discuss other avenues of getting the car ba...
by sco
Wed Jun 14, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Tax Trick or Scam
Replies: 9
Views: 1441

Re: Solar Tax Trick or Scam

Solar has a pretty bad payback at this point, even without the shady (<--- Pun ) business practices...
by sco
Wed Jun 14, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5380

Re: I'm going to be rich! [Fidelity retirement planner]

This Tool has some quirks. Personally, If I get over a 90 score and have picked below average, I am happy...
by sco
Wed Jun 14, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2735

Re: 2004 LEXUS RX 330

Just pay the loan off, it won't be that much more than the Lexus if you look 15 years out. (Lexus will be replaced again by then)
by sco
Mon Jun 12, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 39
Views: 3846

Re: Ok reasons for a 37 year old to have a 60/40 mix?

Sounds reasonable to me...

Of course with a big enough nest egg #4 isn't an issue, but you may give some thought to changing to 40/60 at retirement if you already have a high % of fixed income.. (Pension/SS)
by sco
Fri Jun 02, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Fidelity 2000 'bonus points'
Replies: 32
Views: 2315

Re: Fidelity 2000 'bonus points'

I don't use the card much, $1300 to start
by sco
Wed May 31, 2017 11:53 pm
Forum: Investing - Theory, News & General
Topic: Does your username at fidelity.com get hidden?
Replies: 12
Views: 862

Re: Does your username at fidelity.com get hidden?

Yep, its really annoying too. 3 of the 4 family have accounts there, they mostly look the same...
by sco
Fri May 19, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Using Plastiq?
Replies: 30
Views: 5931

Re: Using Plastiq?

Please PM me as well...
by sco
Fri May 19, 2017 12:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 947125

Re: U.S. stocks in freefall

Artisan wrote:a 1.5% decline is a freefall? LOL..

Transferred funds to Vanguard today.

Purchasing more VTSAX and VTIAX tomorrow.

Thanks Jack Bogle.



Seriously, 1-2% is an event???
by sco
Thu May 18, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Death in family a week before cruise
Replies: 30
Views: 3656

Re: Death in family a week before cruise

My opinion. This is your wife decision, on how she is comfortable proceeding... You can check on the money related options, once she decides... Worst case you don't get a refund/vacation out of it... If you take a lot of vacations, I am sure that you are better off in the long run anyway, although i...
by sco
Wed May 17, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 47
Views: 4300

Re: how do you invest your HSA

I keep minimal cash, $6k in a balanced fund, and then only buy the S&P 500 moving forward. This allows me to always sell $6k without running afoul of the buy/sell restriction within 30 days.
by sco
Mon May 15, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 5098

Re: Cars: Expense or Asset?

However, outside of people on this forum, including your family & friends, how many people do you know that buy and drive the same car for 15 years? I would say 1/3 buy and hold the cars. another 1/3 buy the cheapest POS they can find (that already has problems), and another 1/3 turn in a new c...
by sco
Fri May 12, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why do certain employers make you wait a year to contribute to 401k?
Replies: 43
Views: 7302

Re: Why do certain employers make you wait a year to contribute to 401k?

If seen them make you wait a year if you are under 25. Or wait a year for vesting...

My son had one place that he couldn't contribute because he was not yet 21...
by sco
Sat May 06, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3491

Re: Swing Set 2700.00??

No kid users these more than a few years, in my opionion? Buy a lightly used one and move it in an afternoon.. let the other guy take the hit. I bought a $175 one that was $2000 4 years earlier. I replaced a $100 slide on it...

5-6 years later I sold it when it was no longer used.. $200
by sco
Wed May 03, 2017 12:36 am
Forum: Investing - Help with Personal Investments
Topic: 401k administrator requiring net worth
Replies: 40
Views: 2955

Re: 401k administrator requiring net worth

There are a lot of ways to calculate a lot of that stuff, and a lot of questions that they don't always explain...

Income, GROSS, AGI, MAGI, Net, before or After Bonus, Primary job, Alimony +-, etc...
Apply this to every line and put in whatever you feel is correct...
by sco
Tue May 02, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Banking in Marriage
Replies: 66
Views: 4797

Re: Banking in Marriage

I get having separate spending accounts. but we don't do that. Everything goes into 1 account, it gets divided up and bills paid about every 2 weeks. We spend out of that account.. This works well when you start early in life, nobody has anything of value, and neither one make much money early on :)...
by sco
Sun Apr 30, 2017 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bond fund choices for a 401a plan.
Replies: 12
Views: 827

Re: Help with bond fund choices for a 401a plan.

Hi, Here is the complete list including net and gross expense ratios. I am still thinking PTRQX. Agree or disagree? Why? Thank you! https://i.imgur.com/lT8YvKX.jpg What is up with those Target Date Gross ER's? I know one pays the Net not the Gross but some are >4.5% Gross and some are ~0.6% Gross. ...
by sco
Fri Apr 21, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Booking united award tickets with 2 accounts
Replies: 13
Views: 1548

Re: Booking united award tickets with 2 accounts

You can't Beat United.....
by sco
Fri Apr 21, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help on retirement funding
Replies: 2
Views: 644

Re: Help on retirement funding

Have you considered just using one or two index funds, in addition to the TIPS? Perhaps a balanced Index fund with a 60/40% mix.
by sco
Tue Apr 18, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 13111

Re: You can never go "home" - retirement

Dup!!
by sco
Tue Apr 18, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 13111

Re: You can never go "home" - retirement

Nope...

I want to see different things...

I always have made sure that my kids have seen and experienced many other places, for better or for worse...
by sco
Sat Apr 08, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Front-end loads
Replies: 21
Views: 2087

Re: Front-end loads

In my short stint at Edward Jones I had an Oppenheimer fund with a 5.75% front sales load, a 2.05% ER a .25% 12b-1 fee and a .25% back end sales charge. That was an eye opener. Death by fee. :annoyed In their defense, I am sure that their expertise earned you far more than that 8.3% fee the first y...

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