Search found 521 matches

by snowman
Mon Sep 12, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Subaru window treatment
Replies: 9
Views: 914

Re: Subaru window treatment

I have it on my Honda and love it, I think it's 30% (whatever was legal in my state). Should have done it right when I bought it, it made such a positive difference! It will help on getting the car cooler on hot days, as well as keeping it cool (AC doesn't work as hard). It also helps with night dri...
by snowman
Fri Sep 09, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 4903

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

I appreciate all the advice... What's really tough is my parent's house is extremely small (2 bed, 1 bath about 900-1000 sq ft). We are living in the garage-turned-living space. We really need space and our own place and that's what is making this decision so rushed and hard. Don't get me wrong, I'...
by snowman
Wed Sep 07, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 4903

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

Do it right: 1) Marry the girlfriend 2) Continue living @ parents house; Rent if you can't do that 3) Pay off her $50k debt 4) Save up for the down payment (20%) 5) Buy the house This would be my advise as well if you were my son. I would not entertain buying right now in your situation. You also m...
by snowman
Sat Sep 03, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: How do you stop yourself from checking your balances?
Replies: 66
Views: 3791

Re: How do you stop yourself from checking your balances?

A good bear market will be your best friend in this regard! You will learn that the best way to avoid pain is to not see the carnage at all. After it's all over, your obsession will subside, but you will still want to login at least weekly to make sure there are no screw-ups in your accounts.
by snowman
Sat Sep 03, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 11325

Re: Which city to start early retirement?

Of the 3 places on the list, Boise wins hands down. However, as others have said, there are other options. Since you are renters and seem to be very flexible, I don't think it matters that much where you start your ER. Wherever you initially settle, it's going to be your home base for making trips n...
by snowman
Thu Sep 01, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Currently in Austin, TX and New Job Opportunity in NJ - Good to take?
Replies: 26
Views: 2174

Re: Currently in Austin, TX and New Job Opportunity in NJ - Good to take?

I thought the headline was wrong when I saw it... I am familiar with both places (especially NJ). The only potential advantage I would see in NJ is climate - if you absolutely hate hot and muggy TX weather. Plus, if you love the snow and skiing and really miss it in TX. That's about it. If the TX cl...
by snowman
Thu Aug 11, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance w/ Aimloan?
Replies: 24
Views: 1800

Re: Should I refinance w/ Aimloan?

I guess experiences vary. Aimloan aka Dovenmuehle was the worst. The origination of my loan with Aimloan was okay, but the servicing was miserable. On two different occasions, they swore up and down that they paid my property taxes but failed to do so. Even after multiple phone calls and letters, i...
by snowman
Wed Aug 10, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: College bubble - any good articles or books on this?
Replies: 57
Views: 4522

Re: College bubble - any good articles or books on this?

goodenyou wrote:I like Bill Bennett's book "Is College Worth It?". It is well written, and the arguments against excessive debt, overpriced colleges and worthless degrees are compelling.

I do too. I think it should be required reading for every family considering college education for their kids.
by snowman
Tue Aug 09, 2016 9:28 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 80
Views: 6394

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

How often does the $1K offer come online? Is it fairly regular, or only once a year? I don't have a good answer for that. It's been a few distinct times. If you have 250k, then TD Ameritrade also has a $1000 offer running through September I think. Earl Thank you, Earl. I will check periodically. F...
by snowman
Mon Aug 08, 2016 6:48 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 80
Views: 6394

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Sometimes both the $600 and $1000 offers are simultaneously ON but you need make sure that you search for the link with the bigger bonus and set up the transfer from that link. The $600 offer is always on. The link for the $1000 offer right just redirects to that one. All in all, Merrill Edge is th...
by snowman
Sun Aug 07, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3176

Re: Cricket Wireless - Selecting a Smartphone

Thanks all for the additional information. A Google search turned up several articles on the best phones for Cricket Wireless. It is really too much information to process. Here is a fairly recent article with the Alcatel Onetouch Idol 3 and Samsung Galaxy Amp Prime fairly high in the rankings. htt...
by snowman
Fri Aug 05, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5413

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

I don't understand why the "trucks" are getting so similar to the minivans. They already have an excellent minivan in the lineup with the Odyssey. Why make the Pilot look just like it? Because that's what customers demand. Car companies are in business to make money, and the best way to d...
by snowman
Thu Aug 04, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance w/ Aimloan?
Replies: 24
Views: 1800

Re: Should I refinance w/ Aimloan?

I used AimLoan in the past, no issues whatsoever. Highly recommended.
by snowman
Thu Aug 04, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5413

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

You want a Pilot, it will handle snow and ice you described, it's bigger, more comfortable, more versatile, better gas mileage. You will be much happier in it. I would give Highlander a second look - it's Pilot's direct competitor. Both are great family vehicles, mostly designed for people who want ...
by snowman
Tue Aug 02, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: Capitulating on Windows Phones
Replies: 14
Views: 971

Re: Capitulating on Windows Phones

I never had issues with Here maps or Here drive like you just described. However, you can download it as an app on Android phone, and you can download entire US/Canada on your SD card. In windows 8.1, you are limited to phone memory; you can save to SD card if you upgrade to W10. I have a Lumia 635...
by snowman
Tue Aug 02, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Capitulating on Windows Phones
Replies: 14
Views: 971

Re: Capitulating on Windows Phones

I have had smartphone for only 6 months, so I am not super experienced user. I bought a windows phone because it was excellent value (unlocked GSM Lumia 640 for $30); anything comparable in Android world would have been $200+. I figured I can always upgrade in the future if need arises. I love the p...
by snowman
Sat Jul 30, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Small Pension vs. Small Lump Sum
Replies: 18
Views: 1558

Re: Small Pension vs. Small Lump Sum

OP, I was in your shoes years ago. Don't remember the amount but it was small and non-COLA. I took the lump sum and put it into my rollover IRA, did not even consider the other option. I had 2 reasons for doing that: 1. my company was being acquired after being badly mismanaged for years (the main r...
by snowman
Wed Jul 20, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9751

Re: Just got back from Europe...ready to sell my International...

No disrespect to OP, but every week a new thread pops up questioning the value of international equities in one's portfolio. People look back, see a disaster of a performance compared to US stock market over the last 10 years, and are ready to sell them all. It just makes me wonder if we are nearing...
by snowman
Thu Jul 14, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Sorry, You're Just Going To Have To Save More Money
Replies: 16
Views: 4064

Re: Jason Zweig: Sorry, You're Just Going To Have To Save More Money

No, you don't "have" to. If real interest rates are negative, meaning that the "reward" for forgoing consumption of $1000 today is the ability to spend $900 in real terms 20 years from now, some people will respond by consuming more now and accepting a lower standard of living i...
by snowman
Thu Jul 14, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6581

Re: Private vs State School?

Not to be critical to OP, but this is not a discussion about the private vs. state school. I assume that discussion happened couple years ago before final decision was made. It’s possible though that discussion never happened because it wasn’t necessary – someone living on $180K annual income with $...
by snowman
Sun Jul 03, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 6841

Re: Getting rid of international funds

This whole thread made me think of Allan Roth, a financial writer and contributor on this forum. Here is his observation: "For well over a decade, I’ve been recommending that U.S. clients keep a constant mix of two-thirds U.S. and one-third international. When international stocks are surging, ...
by snowman
Thu Jun 30, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 6841

Re: Getting rid of international funds

OP, Your AA looks good to me and there is no reason to change it. S&P 500 companies already having international exposure is not new information - it's been the case for years, before you probably started investing. What was the reason you chose to have international equities in your portfolio? ...
by snowman
Thu Jun 23, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5940

Re: Should I express my inheritence thoughts to my father?

I do want to be clear that in no case would I be trying to ask for a greater share. That wouldn't be right of him as well as against my principles. Then what exactly do you want? Maybe a note in his will chastising your siblings for their lavish lifestyles and praising you for your more moderate on...
by snowman
Thu Jun 16, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment options
Replies: 8
Views: 574

Re: HSA investment options

I would just leave it in cash and consider it a part of my fixed income AA. I would adjust 403b accordingly to keep your overall AA in check. You can always transfer HSA later on when you leave the company so you get better investment options.
by snowman
Thu Jun 16, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: General Negotiating Tips
Replies: 72
Views: 7561

Re: General Negotiating Tips

Interesting topic, as negotiations was my corporate career. It really wasn’t that hard – you need to know the product you are selling, you need to know the competition, you need to fully understand buyer’s needs, and you need to know your own bottom line so that company remains profitable and sustai...
by snowman
Fri Jun 10, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3313

Re: New Truck?

I don't think recommending different brands/size truck solves OP's dilemma. Here is the description of the problem: http://www.nissanproblems.com/trends/coolant-leaks-destroy-transmission/ Unfortunately, as I said before, once the coolant enters transmission, it's too late - it's only a matter of ti...
by snowman
Fri Jun 10, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc inconsistent ?
Replies: 18
Views: 1672

Re: Firecalc inconsistent ?

For those of you who use firecalc, have you noticed that the results are inconsistent at times ? For example, I am currently seeing my failure rate higher with some savings per year vs without any savings ( all other parameters remaining the same) Any reason why that would that be the case ? Yes, I...
by snowman
Wed Jun 08, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3313

Re: New Truck?

Only question I would have be to check to make sure that the issue hasn't caused some issue that will shorten the life significantly that the planned repair doesn't address. At that kind of price, it seems like you would be getting some significant transmission work done so you are probably good. T...
by snowman
Wed Jun 08, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3313

Re: New Truck?

I like the way you think! I read that they extended the warranty to 10 years or 100,000 miles so I am out of luck on that front, and I didn't think about the no-trade in possibility. I would call Nissan and ask for financial assistance, since you are only 3K miles over the limit, and they know it's...
by snowman
Wed Jun 08, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 9079

Re: Crazy housing market

The demand in Seattle is a byproduct of very high population growth and very high economic growth/job growth. There are many people moving there and a lot of them are for good, high paying jobs. Thus demand is outstripping supply and prices are rising rapidly while inventory stays very low. That's ...
by snowman
Wed Jun 08, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3313

Re: New Truck?

Get it fixed. It is a very reliable truck and will last many years and miles. Your particular issue is not a symptom of things to come - it's a well known design problem. Nissan first addressed the issue by extending the warranty on coolant and transmission, but as more and more trucks were affected...
by snowman
Wed Jun 08, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Best Smartphone to use on Cricket?
Replies: 9
Views: 664

Re: Best Smartphone to use on Cricket?

You could buy ATT GoPhone 5" Lumia 640 for $30 (saw it at local Target couple weeks ago for $15), or 5.5" ZTE Zmax 2 for $100 (was on sale for $50). Email ATT to have it unlocked, takes 2 business days to get the code. Then switch to Cricket and get a signing bonus for bringing over Sprin...
by snowman
Wed Jun 08, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Best Smartphone to use on Cricket?
Replies: 9
Views: 664

Re: Best Smartphone to use on Cricket?

You could buy ATT GoPhone 5" Lumia 640 for $30 (saw it at local Target couple weeks ago for $15), or 5.5" ZTE Zmax 2 for $100 (was on sale for $50). Email ATT to have it unlocked, takes 2 business days to get the code. Then switch to Cricket and get a signing bonus for bringing over Sprint...
by snowman
Tue Jun 07, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: House appraisal came in low but high enough for refi -- is it a big deal?
Replies: 10
Views: 752

Re: House appraisal came in low but high enough for refi -- is it a big deal?

We refied last year, appraisal came really low. We got a letter from lender informing us that we have the right to appeal. I called to ask what it means for our refi, and was told that the letter goes out automatically whenever appraisal comes 10% or more below their own internal value models. Was t...
by snowman
Fri Jun 03, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union
Replies: 60
Views: 6475

Re: Lake Michigan Credit Union

j0nnyg1984 wrote:LMCU has the bulk of my HSA funds in a savings account paying 2%. I really don't have any interaction with them - so far, so good.

Same here, except that they recently lowered interest rate in HSA accounts from 2% to 1%.
by snowman
Fri Jun 03, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Move to Denver (Job) or stay in NoVA ?
Replies: 53
Views: 4620

Re: Move to Denver (Job) or stay in NoVA ?

Jupiter man, I live in this area, and personally I think you really lucked out! Company actually paying you to move to Colorado? Wow! This is one of the best places to live in the country – excellent weather year-round, no mosquitoes, low humidity, breathtaking mountain scenery, biking, fishing, hik...
by snowman
Tue May 31, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular - plan changes, eliminating overage charges
Replies: 25
Views: 1984

Re: Consumer Cellular - plan changes, eliminating overage charges

For reference, 2 cricket smart phones on the 2.5G plan would cost $60. $55 if you add a credit card in advance. If you go over the 2.5G, your added charge is zero. Your plan isn't changed. Your speed is simply reduced and you have unlimited data. If you go to dumb phones, it starts at $50 for 2 and...
by snowman
Sun May 29, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular - plan changes, eliminating overage charges
Replies: 25
Views: 1984

Re: Consumer Cellular - plan changes, eliminating overage charges

Got the same email, with changes outlined to our current plan - more minutes, texts and data for the same monthly fee. Did not see those changes reflected on their website yet. I assume they apply to everyone, not just us.
by snowman
Fri May 20, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20603

Re: Is there a such thing as a blue collar Boglehead?

In my experience, blue-collar and even middle-class perspectives are not often welcomed on this site. The assumption from many posters seems to be that anyone who is smart and hard-working should be wealthy, and those who are not wealthy are lacking something. I have to agree with you, there certai...
by snowman
Tue May 17, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Kids investment
Replies: 26
Views: 2201

Re: Kids investment

I opened "Money account" for each of my kids at ING Direct (now CapitalOne) where they each have savings and checking account that they manage themselves. At about age 10 I also opened minor Roth IRA for them at TDA. There is no opening/ongoing cost at either place, and they manage their a...
by snowman
Fri May 13, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Cell Plans
Replies: 22
Views: 2128

Re: Cell Plans

We are on CC as well, but that's because our usage is much lower than yours. I agree with others - you get more with CW for less money, and since it's the same network, you know coverage will not be the problem. I also had an extra phone that I used to sign up for RingPlus service. I got a new numbe...
by snowman
Thu May 12, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Complete Car Noob- Help Making First Vehicle Purchase
Replies: 72
Views: 7798

Re: Complete Car Noob- Help Making First Vehicle Purchase

Still not a valid reason to replace it - 130K miles on Accord isn't much. Sounds to me like you need to spend money on routine maintenance. Can you tell us exactly what's wrong? Brakes - pads, pads and rotors, or break fluid? Emission - O2 sensor? What else? A lot of stuff you can easily DIY for a l...
by snowman
Mon May 02, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 11293

Re: University of Virginia vs University of Miami

So we visited both schools earlier this week. Some points: UVA: 1) As expected, my son loved the campus. Very cool Jeffersonian architecture. 2) Music program, being a department of music, was still very strong for what he wants. Most music majors are double majors. Seems like there would be many s...
by snowman
Tue Apr 19, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 32
Views: 2851

Re: Roku 3 v. Apple TV v. ???

We had Roku 1 now have Roku 3, highly recommend it! It's faster than 1, better search function, better remote with headphones plug - great for late night watching.
by snowman
Tue Apr 19, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 11293

Re: University of Virginia vs University of Miami

OP, I was in your shoes last year. My son visited both state universities - one local and one out of state - and made his choice. Since he got scholarships covering full tuition at both places, I was fine either way. The visits were helpful in making the decision. Try to spend 2 days instead of one ...
by snowman
Sun Apr 17, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 3538

Re: Medical School preparation Pointers for a Sophomore Student

Fascinating thread! While neither of my kids is interested in being a doctor, it’s very interesting to read what it takes to become a doctor. I especially appreciate CriticalCareJunkie’s post – very informative! Let me ask the forum a question: if high GPA is so critical, would it not make sense for...
by snowman
Sat Apr 16, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Door problems with new Subaru
Replies: 41
Views: 3798

Re: Door problems with new Subaru

So here's the update. I returned to the dealership today and tried the doors of the 16 Subaru Legacys that were on the lot - their total stock. Every single car had the exact same problem, with the exact same door. The salesman said no one had ever pointed it out to him before, but he presumed the ...
by snowman
Sat Apr 16, 2016 9:45 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 12178

Re: What are Pros and Cons to the "Four Hour Workweek?"

Well, you could have went to dinner with a friend with Stage 4 Pancreatic Cancer, and you would have come away with feeling very lucky and asking yourself similar questions. Life is a Card Game and you play the hand you are dealt. You may be dealt Talent, Looks, Smarts and basically cannot lose unl...
by snowman
Fri Apr 15, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan 500 Index Fund Dividend
Replies: 73
Views: 5726

Re: Fidelity Spartan 500 Index Fund Dividend

I think people find it odd that a business would be run without a fixed calendar for carrying out such operations as paying out the dividend. The report that Fidelity itself does not readily supply information as to how this is decided adds to the puzzlement. Very much agree with you. I didn't pay ...
by snowman
Thu Apr 14, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 5149

Re: My neighborhood is too quiet (and no kids)

If you want noise get a couple yappy dogs. The smallest ones tend to make the most noise. My neighbor had a couple of yappy dogs. ... I heard one got lost and the other disappeared.... Funny how things like that can happen. :shock: :shock: Agree, small yappy dogs are the worst. Around here, they ro...

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