Search found 450 matches

by yatesd
Sun Apr 16, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 24
Views: 2070

Re: Budget multitool knife

I recommend Leatherman. Well made, by a US company. http://www.leatherman.com/leatherman-difference.html I own two versions. - An expensive large multi-tool that I rarely use, but keep in the car for emergencies. - A leatherman micra, that can be easily carried with you everywhere (except an airport...
by yatesd
Sun Apr 16, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: What printer to buy for small bussiness
Replies: 5
Views: 281

Re: What printer to buy for small bussiness

I'll also add. Productivity can vary...in most cases, inkjets will tout speed "up to" 30ppm. Also inkjet paper is usually more expensive. Laser MFP's usually provide their best quality at full rated speed. I know this industry well. Service is the most important component. Also, scan capab...
by yatesd
Sun Apr 16, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: What printer to buy for small bussiness
Replies: 5
Views: 281

Re: What printer to buy for small bussiness

I estimate you are printing about 2,000 color pages per month. Focus on total costs (productivity, initial purchase, and per page). IMHO, your volume justifies a small business laser product. Some of these include finishing capabilities (staple, hole punch). Most small businesses lease their machine...
by yatesd
Sat Apr 15, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12089

Re: Do you have an umbrella policy?

I bought my first umbrella policy about 3-years ago. I just got $1M and believe it costs around $155 a year. I have homeowners and car insurance with the same company. - Why did I get it? I didn't want someone to see a fancy car, or a fancy title, and sue me. Maryland seems like it would attract peo...
by yatesd
Fri Apr 14, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: 20yr fixed, 30yr fixed, or 7/1 ARM
Replies: 48
Views: 3148

Re: 20yr fixed, 30yr fixed, or 7/1 ARM

I'd also want to see how a 10/1 ARM rate compares to 7/1. I also agree that you should choose an ARM that only changes a maximum of 2% a year. Stay away from a 5% initial change (never heard of that one)! 7/1- worse case rates go up 2% @ year 8, and 4% @ year 9. 10/1- worse case rates go up 2% @ yea...
by yatesd
Thu Apr 06, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 8282

Re: Spending beyond my means, I think..is my budget out of whack?

No way would I be encouraging your wife to work full time...especially in your circumstances. Heck, I only have one child, and my wife is a stay at home mom. She is always doing something (at home, school functions, homework help, volunteering, coordinating family efforts, etc.). Only now is she doi...
by yatesd
Wed Apr 05, 2017 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Closing on [May 1st], weighing points
Replies: 14
Views: 1314

Re: Closing on 5/1, weighing points

Also factor the impact of paying an extra payment each year. Are you potentially going to pay down early?

Personally, not that great at math, so I'll focus on emphasizing the variables that have prevented me from paying extra points.
by yatesd
Tue Apr 04, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 90
Views: 14074

Lincoln Continental

I have not tried them, but supposedly the Lincoln Continental has nice seats.

http://www.autonews.com/article/2016110 ... s-seats%3F

Starts at $44K
http://www.lincoln.com/luxury-cars/continental/2017/
by yatesd
Tue Apr 04, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on [May 1st], weighing points
Replies: 14
Views: 1314

Re: Closing on 5/1, weighing points

What if rates go back down in a few years? You will want to refinance. In this case, paying points doesn't make sense.

For this reason, I try to avoid paying points. Too many variables.
by yatesd
Mon Apr 03, 2017 5:24 am
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 6138

Re: Weird house buying experience

See above. Its not the $1k, its the question of are we going to be paying for their mistakes forward. Given your very strong belief that a $100 discrepancy (one option that costed $100 was included as part of another option we selected) is an indication that you will be "paying for their mista...
by yatesd
Fri Mar 24, 2017 4:39 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account
Replies: 36
Views: 1282

Re: can't logon to vanguard account

Also down for me...
by yatesd
Sun Mar 19, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Home Country Preference vs Home Country Bias?
Replies: 3
Views: 438

Home Country Preference vs Home Country Bias?

I was reading Vanguard's white paper on Vanguard's approach to target date funds and they utilize a term called "home-country preference" to justify below market caps in both stocks and bonds. In this case, it seems to be referenced in a somewhat positive light, but within the forum I have...
by yatesd
Sun Mar 19, 2017 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 22
Views: 1532

Re: Review of tax software

I think many that have posted are confusing the different software versions. I used the software for trusts and estates only : TaxAct for Trusts and Estates H&R Block Premium & Business TurboTax Business OK, I did miss that the review was focused on this specific area. Adding to the title m...
by yatesd
Sat Mar 18, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Camcorder recommendations
Replies: 45
Views: 2098

Re: Camcorder recommendations

This site for camcorder reviews and sortable by budget: http://camcorders.reviewed.com/ For low light you really need a decent lens and larger sensor. Also agree with getting good sound, although I might focus on raising your budget some on the main camcorder before buying too many accessories. Edit...
by yatesd
Sat Mar 18, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 22
Views: 1532

Re: Review of tax software

H&R Block: About same price as TaxAct but unlimited federal and state returns. Must have in depth tax knowledge since program will not automatically put entries on correct forms and do proper calculations. Support is through a forum, many times no one answers question. I've used TurboTax and H&...
by yatesd
Sat Mar 18, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4572

Re: Looking for a snazzy car

The new honda civic hatchback? Mazda miata? I just bought a 10 year old honda odyssey so what do I know? Off topic, but hows the 10-year old odyssey working out for you? I'm guessing you got kids. I drive a 13 year honda accord at 100K miles. I intend to drive another 100K on it, if possible. If so...
by yatesd
Sat Mar 18, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4572

Re: Looking for a snazzy car

You can get a 2014 CPO Infiniti Q50 with low-ish miles for 23k-ish now. 328hp, 0-60 well under under 6.0 seconds, available AWD (all most all of them in northern states came with AWD) good sounds from the engine, good reliability from a proven engine. Original MSRP was $42k+ for most of them. Exact...
by yatesd
Sat Mar 18, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4572

Re: Looking for a snazzy car

Most of the cars I recommended should easily be purchased below $24K as a 2-3 year old used car with a remaining factory warranty (almost no risk). My coworker just bought a 2013 Acura TL last week for about $19K. Had 24,000 miles on it. Very nice...tan leather interior, etc. Personally, I would be ...
by yatesd
Sat Mar 18, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 1842

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

I switched from a Macbook Air to a base Macbook Pro. Although I think Mac's are overpriced, I still upgraded: - Got a decent trade-in value from http://www.gazelle.com and the process was painless. Actually got a 10% increase for choosing an Amazon credit instead. - Better screen - Faster - Better l...
by yatesd
Sat Mar 18, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 8165

Re: Do you avoid international investing like Jack Bogle?

Are you saying it would be rational for a non-US investor to invest only in the US? No, they would practically be a financial traitor. This would be equivalent to any immigrant (assume legal), coming to the US, and funneling all investments and cash to benefit the foreign entity they left. Intentio...
by yatesd
Sat Mar 18, 2017 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 8165

Re: Do you avoid international investing like Jack Bogle?

PFInterest wrote:No, I am a more rounded investor.


I am as well, eat too many burgers.
by yatesd
Sat Mar 18, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4572

Re: Looking for a snazzy car

I would look at picking up a used or new version of a luxury/sport luxury car that is based on a small frame. Acura TLX Audi A3 BMW 320 Cadillac ATS (used) Buick Regal Lexus IS Infiniti Q50 Lincoln MKZ These are all great choices with some being better values used than new. If you were a car guy (li...
by yatesd
Fri Mar 17, 2017 4:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard's recommendation
Replies: 15
Views: 1819

Re: Vanguard's recommendation

Vanguard's questionnaire still suggests 100% equities for me at 47. I answered 11-15 years till starting withdrawals, because that is exactly what I see as our retirement window. And I accurately answered the rest of the questions with my aggressive sentiments. I'm surprised at the recommendation g...
by yatesd
Sat Mar 11, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 4114

Re: Total Annual Expenses

I find this dialog interesting because depending on your phase of life, your goals related to expenses may be different. For me, at 46 years old: - How much do I need with my current circumstances (income, housing, taxes, etc.)? Personally, don't have as much cushion as I would like. Becoming less d...
by yatesd
Fri Mar 10, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 6613

Re: What to do with all these passwords ?

I pay for Lastpass premium and believe it costs me $12 a year.
by yatesd
Fri Mar 10, 2017 7:23 am
Forum: Investing - Theory, News & General
Topic: HSA (Tax + Penalty) vs Taxable? HSA always wins?
Replies: 13
Views: 1318

Re: HSA (Tax + Penalty) vs Taxable? HSA always wins?

I think people are missing the point of the OP's question. Let's say I have a boatload of money funneled to my HSA. In 10 years I need to tap it for an emergency (pre-retirement age). How bad is this scenario versus just putting the money in an emergency fund? I avoid FICA, I avoid the taxes on the ...
by yatesd
Fri Mar 10, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 4113

Re: How Do You Share Expenses?

I would just put all the money in one pot or use this opportunity as a chance to bail.
by yatesd
Thu Mar 09, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 23439

Re: How to Die

It's one of the reasons I am not an organ donor. My wife knows my intention, but I don't want a stranger (medical professional or not) making these choices for me. I would be interested in hearing the physicians' here opinions about whether having an organ donor card means the medical profession wi...
by yatesd
Wed Mar 08, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4792

Re: Where to buy rare steaks?

I would think the best rare steaks come from rare cows.
https://www.rbst.org.uk/Rare-and-Native-Breeds/Cattle
by yatesd
Wed Mar 08, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Can a cordless Reciprocating Saw do the job of a small chainsaw?
Replies: 30
Views: 1821

Re: Can a cordless Reciprocating Saw do the job of a small chainsaw?

I bought a Makita 36v electric chainsaw and pretty happy with the performance so far. Certainly not a cheap option once you factor in the batteries, but can be reasonable if you standardize with a drill and blower. IMHO a reciprocating saw is not a sufficient alternative. https://www.amazon.com/Maki...
by yatesd
Tue Mar 07, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 23439

Re: How to Die

I hope you are correcting for possible bias due to surveyed representatives of the younger generation being young. I get the impression that people who seem enthusiastic about letting old people die sooner and cheaper are thinking mostly about other people dying, not them dying. I agree. Remember w...
by yatesd
Tue Mar 07, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5250

Re: Car engines. Turbo vs no turbo

The Volvo XC90 SUV is both turbo and supercharged. I wonder how reliable it will be long term. I have the same concern. It's impressive to see over 300hp from a 4 cylinder and the car magazines have given favorable reviews. However, I would be concerned about a turbo & supercharged 4 cylinder m...
by yatesd
Mon Mar 06, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5250

Re: Car engines. Turbo vs no turbo

The Volvo XC90 SUV is both turbo and supercharged. I wonder how reliable it will be long term. I have the same concern. It's impressive to see over 300hp from a 4 cylinder and the car magazines have given favorable reviews. However, I would be concerned about a turbo & supercharged 4 cylinder m...
by yatesd
Mon Mar 06, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 1938

Re: Need help picking term life policy

That being said, make sure you have long-term disability.
by yatesd
Mon Mar 06, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 1938

Re: Need help picking term life policy

20 year should be plenty. Heck, 15 year will also work for two reasons: dual income capable (lowers risk) and you are on track to have a decent net worth in 15 years. 500K for 15-years will work. Candidly, how much money does the other spouse need to make if the house is paid off?
by yatesd
Mon Mar 06, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5250

Re: Car engines. Turbo vs no turbo

From a reliability perspective, I prefer non-turbo cars. That said, I have a few thoughts. All cars are trying to get better gas mileage: - Turbo - CVT or extra gears - stop/start - direct injection - lighter weight Not sure there is a perfect combination. I bought two new cars in the past two years...
by yatesd
Mon Mar 06, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3714

Re: At what age did you drop life and disability insurance?

I hate insurance and will get rid of it when I can reasonably self insure. I bought $500K 15-year term insurance when our daughter was born (costs $270 per year). In hindsight, maybe 20 years would feel safer. If the price is reasonable, I might continue for a few more years. That being said...a few...
by yatesd
Sun Feb 26, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 186
Views: 13217

Re: What is your overall portfolio weighted expense ratio

According to Vanguard's "Portfolio Watch" our weighted expense ratio across my 401k, IRA, and Wife's ROTH IRA is .07%. with 85/15 stock & bond ratio. My international holdings (25%), bump this up a bit. We have about 56 employees at work and recently switched from a high fee plan (1.5%...
by yatesd
Fri Feb 17, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3413

Re: Cruise suggestions.

Really enjoyed the tips already provided. My wife and I will be celebrating our 25th wedding anniversary and taking a 9-day cruise on Silversea in late August from Venice to Athens. We decided to take our first 2-week vacation and add 5-days in Venice and 1-day in Athens. One tip...our local library...
by yatesd
Wed Feb 15, 2017 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10775

Re: Bogleheads not the norm?

Something to bear in mind, not all Bogleheads fit the mold you describe precisely. In fact, Jack Bogle himself doesn't meet all those standards. For example, Bogle himself invests a large portion of his portfolio in actively managed mutual funds such as the Wellington. These are low expense funds, ...
by yatesd
Tue Feb 14, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 9179

Re: -$280k Net Worth Has Me Up At Night

You may have almost $280K in debt, but your net worth is not -$280K.
by yatesd
Sun Feb 12, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: Failing SC pension versus index funds - article
Replies: 1
Views: 442

Re: Failing SC pension versus index funds - article

Very interesting article...and I don't even care about SC politics. I like her way of thinking. :D
by yatesd
Sat Feb 11, 2017 2:16 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 10
Views: 1369

Re: New mattress

I'm happy with our latex Spindle mattress...just be sure weight isn't an issue.

https://spindlemattress.com/spindle-natural-latex-mattress

https://spindlemattress.com/difference-in-feel-latex-mattress-vs-memory-foam

You may also want to check out the mattress underground.
by yatesd
Sat Feb 11, 2017 2:11 am
Forum: Personal Consumer Issues
Topic: Photoshop - what to get?
Replies: 42
Views: 2085

Re: Photoshop - what to get?

Thanks, I think I will go ahead and try out Elements then. Lightroom seems intimidating. Even if it's the wrong program for me in the long run, I'm hoping $60 is a good price to pay for self-tuition in photo editing :D I am only going to be working on one file at a time, and these are mostly TIFF s...
by yatesd
Fri Feb 10, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 4210

Re: mattresses and alcohol (bourbon, scotch, whiskey)

OK, so it appears that others are more comfortable having a master distiller water down their drinks than I am. It appears they get paid by the brewery. Up until now I have been buying laundry detergent based on the cost per serving (since these are watered down by the manufacturer). Didn't realize ...
by yatesd
Sun Feb 05, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 4210

Re: mattresses and alcohol (bourbon, scotch, whiskey)

Quite a few of my children's generation equate high $$$ spirits with high quality. Perhaps some are worth the extra $$$, but I imagine a lot of the $$$ goes into expensive ads/commercials that position their brand such that it seems very upscale. I think this is the challenge for me...for beer, I p...
by yatesd
Sun Feb 05, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 4210

mattresses and alcohol (bourbon, scotch, whiskey)

OK, I like to get a good "value" for my money. However, I find these two consumer items the most challenging. For a mattress, I recently just bought a latex version, because I gave up trying to compare apples to apples. However, this takes me to alcohol. I like bourbon. Would like to also ...
by yatesd
Thu Jan 26, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Reached a milestone: $500K in Retirement Accounts
Replies: 44
Views: 6180

Re: Reached a milestone: $500K in Retirement Accounts

Very nice post...congratulations on achieving this milestone!
by yatesd
Wed Jan 25, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: iPhone: Are Apple Maps as good as Google Maps?
Replies: 30
Views: 3147

Re: iPhone: Are Apple Maps as good as Google Maps?

Really like Apple Play and assume Android is the same. I use Google maps out of my car (with xPlay), but use Apple Play in my car (VW Passat). Overall, I can switch back and forth interchangeably.

Apple maps is probably 90% of Google Maps.
by yatesd
Tue Jan 24, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4843

Re: Selling diamond engagement ring

I was in your situation many years ago, but somehow managed to return it to the store at a slight loss. However, one other suggestion. Ask for a credit on the account. If you are offered $6K, ask how much they would give you as a credit towards a new purchase. I suspect this would be closer to $10-1...

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