Search found 473 matches

by yatesd
Sun Sep 10, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm won't insure my rooftop solar
Replies: 10
Views: 1752

Re: State Farm won't insure my rooftop solar

This is easy to solve...buy an electric car, hot tub, pool, and leave all the lights on. :D

You will be below the 125% threshold shortly.
by yatesd
Wed Aug 02, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7066

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

Don't fool yourself...you never get something for nothing. Just decide how much this stuff matters to you. Engines: Brand & Series B&S different levels of quality- https://www.briggsandstratton.com/na/en_us/products/engines/push-mower-engines.html Honda- also has different grades- http://engines.ho...
by yatesd
Wed Aug 02, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7066

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

I would strongly suggest a Toro unit with a Kohler engine. They are, on average, the highest rated mowers just below Honda at much lower cost. They are far superior to B&S. Kohler is the market leader in commercial engines for turf. Kawasaki is also rated well. Toro & John Deere use them on some of...
by yatesd
Wed Aug 02, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7066

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

Don't fool yourself...you never get something for nothing. Just decide how much this stuff matters to you. Engines: Brand & Series B&S different levels of quality- https://www.briggsandstratton.com/na/en_us/products/engines/push-mower-engines.html Honda- also has different grades- http://engines.hon...
by yatesd
Wed Jul 26, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 2954

Re: Is a kamado grill/smoker worth it?

I moved about 3 years ago. Up until then, I used a stainless steel weber natural gas grill hooked into the gas line on my deck. Very easy, but not a good option for smoking. Fast forward: I moved to a new home without natural gas. I didn't want to deal with propane tanks ever again, so I decided to ...
by yatesd
Mon Jul 17, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2646

Re: How Much Would You Spend on a Blender?

I was tempted by Vitamix and Blendtec. Ultimately chose the Blendtec due to the low profile design that allows it to easily fit under my cabinet. While the Blendtec is well rated, it may not fit into a home environment. The default configuration is very tall.
by yatesd
Thu Jul 13, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6689

Re: Cheap eggs... how bad?

I agree with others...if you are concerned about value and ethics, then please use the whole egg.
by yatesd
Sat Jul 01, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2368

Re: Bogleheads - how about an outdoor chair recommendation!

This is the chair my wife and I use. Originally bought it for BMW motorcycle camping. Kermit Chair- Handmade in Tennessee out of oak http://www.kermitchair.com/ http://www.sitemason.com/files/qvYERG/GREEN.jpg/main.jpg Shorter style, but very comfortable. Had ours for over 15 years and they are used ...
by yatesd
Wed Jun 21, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 7587

Re: is luxury car a smarter purchase?

Today, buying any car other than a self-driving car(Tesla?) is not a smart purchase. There is a revolution coming in the automobile world. Few more years, and all current car ownerships and insurance models will be history. We are living in the last years of manual driving. So, just wait for fully ...
by yatesd
Wed Jun 21, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 7587

Re: is luxury car a smarter purchase?

duplicate post
by yatesd
Wed Jun 21, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5037

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

If you don't care about the price or what happens to the guns, see if there are any gun buyback programs going on in your area, where you walk in with the gun(s), hand it over to the police (or the government agency running the program), and walk out with cash money. Not a fan of these programs. No...
by yatesd
Wed Jun 07, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 8249

Re: Dave Ramsey Financial Peace University ??? worth it?

Worst case: instructor is a financial advisor looking to pick up clients... Not that is a scary thought. Any evidence that happens? Yes, I recently moved to another State and switched churches. The church I currently attend has a certified financial planner teaching the course. He seems like a nice...
by yatesd
Wed Jun 07, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 8249

Re: Dave Ramsey Financial Peace University ??? worth it?

I think it is worth it; another option I have seen done is from Crown Financial Ministries. Although Dave's books are decent, I think classes are better for couples to help them get in sync. These classes are generally reasonably priced since the class is held in a church at no cost, and often taugh...
by yatesd
Sun Jun 04, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Life Insurance Decision
Replies: 5
Views: 674

Re: Help with Life Insurance Decision

I personally used Accuquote with no agent involved and everything went smoothly. I think 20 year term sounds right...although the insured amount may be a little high (I am a minimalist). I simply selected the lowest priced, highest rated policy (for me, 12 years ago, it was Prudential).
by yatesd
Thu May 25, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 2123

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

This is an edit. I responded to the OP but after seeing more I realize my original response was due to misunderstanding. I am for robust oversight of corporations to protect shareholder interests regarding their investments. It seems reasonable that if Exxon has assessed risk to specific pending re...
by yatesd
Thu May 25, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 8763

Re: Suits: best bang for your buck?

OK, I've always had mixed feelings about Jos A Banks...however, the main reason I buy from them is to avoid paying for a designer name and to ensure the same quality every time. For instance: - Jos A Bank Traveler shirts (100% cotton, wrinkle resistant, 3 different fits, longer shirts that don't get...
by yatesd
Thu May 25, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 2123

BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

The Wall Street Journal just published this article today. I'm not asking whether you agree or disagree on this political/scientific topic. Reading this article gave me some pause about how "Vanguard" can use "my money" to leverage votes on issues and topics that I may not suppor...
by yatesd
Mon May 22, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1329

Re: ebates experiences - no downsides, just extra $$$

I'll also vouch for ebates...have earned over $500 so far. Personally, I don't install the software (prefer the added privacy). I just login to http://www.ebates.com prior to making any online purchase and click through to place an order. I also like that they will often provide additional coupon codes.
by yatesd
Fri May 19, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3911

Re: Rice Cooker

I've never used a rice cooker and am just wondering what is the difference versus making rice in a pot on the stovetop? I take one cup of rice and two cups of water, bring to boil, cover and cook for 20 minutes. Don't stir or open the lid. It's easy and comes out perfectly and everyone loves it. Is...
by yatesd
Thu May 18, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 5817

Re: Tipping at All Inclusive Resort?

I agree. I can't believe sometimes how cheap and stingy Bogleheads are. You're spending thousands of dollars on a trip and can't be bothered to tip a tiny fraction of your vacation cost to people working their butts off to make it a more pleasant experience? In the US, I tip 15-20% most of the time...
by yatesd
Thu May 18, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: title of my home in my name but I'm remarried
Replies: 30
Views: 3298

Re: title of my home in my name but I'm remarried

Not a lawyer. Yet another reason to not get married. I also read that getting married invalidates a will unless the will was made with the marriage in mind. These really seem like terrible laws . Yes, really terrible, imagine entering into a legal contract agreeing to combine and become one, only t...
by yatesd
Mon May 15, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 5817

Re: Tipping at All Inclusive Resort?

I agree. I can't believe sometimes how cheap and stingy Bogleheads are. You're spending thousands of dollars on a trip and can't be bothered to tip a tiny fraction of your vacation cost to people working their butts off to make it a more pleasant experience? In the US, I tip 15-20% most of the time...
by yatesd
Sat May 06, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!
Replies: 12
Views: 1520

Re: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!

Congratulations on your first house purchase! I think it is hard to compare prices without itemizing out each fee. Ideally, this would also be from the same State, in the same year, for about the same price. The application fee seems high, but not sure if they shifted the fees from the rate. Also, o...
by yatesd
Sun Apr 16, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 24
Views: 2467

Re: Budget multitool knife

I recommend Leatherman. Well made, by a US company. m 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). Don't underestimate the practicality of this lit...
by yatesd
Sun Apr 16, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: What printer to buy for small bussiness
Replies: 5
Views: 421

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: 421

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: 141
Views: 15480

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: 3620

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: 9403

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: 1542

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: 97
Views: 16387

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: 1542

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: 7696

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 [Website Down]
Replies: 92
Views: 3385

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: 549

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: 1898

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: 2600

Re: Camcorder recommendations

This site for camcorder reviews and sortable by budget: m 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: After checking out the websi...
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: 1898

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: 5370

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: 5370

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: 5370

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: 2279

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 m and the process was painless. Actually got a 10% increase for choosing an Amazon credit instead. - Better screen - Faster - Better lighted keyboard (the ...
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: 9914

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: 9914

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: 5370

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: 1993

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: 4716

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: 125
Views: 12140

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: 1621

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: 4549

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.