Search found 477 matches

by yukonjack
Mon Nov 13, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Clements: Your "Number One Number"
Replies: 24
Views: 3544

Re: Clements: Your "Number One Number"

IMHO the key to it all is eliminating a mortgage. Paying cash for autos is icing on the cake. I realize that this concept doesn’t apply to the vast majority of people but once the mortgage is paid off hitting the 50% is quite doable. It also gives you more flexibility with retirement spending. I fig...
by yukonjack
Sun Nov 12, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1147

Re: Frontier Flight Fees

The price and the fees are not the benefit/problem with Frontier. The major problem with Frontier is what when there is a glitch . Their service is non-existant. They don't inter-line. They don't compensate for food, lodging. The gate agents just walk away. Their 800 number is only answered for 2 m...
by yukonjack
Sun Nov 12, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 2917

Re: Fidelity 10X Retirement Rule - - Valid???

It seems to me the 10X rule gets you in the ballpark so I’m not sure I would call it dumb. It even works for higher income folks that live below their means which defines many bogleheads. And really how close can you get when there are so many unknowns such as health, longevity and even market retur...
by yukonjack
Sun Nov 12, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 30
Views: 2834

Re: H&R Block Software

That looks like a good deal. Thanks DarkNyte. Although it looks like H&R dropped the 10% Amazon rebate that they’ve offered over the last several years.
by yukonjack
Fri Nov 10, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 75
Views: 5248

Re: Costco for tires and car insurance?

I have been buying tires from Costco for about 7 years and have had no problems. Their prices are competitive and if you go at off times the wait is usually around 45 minutes which I can easily kill in the store. I’ve never been a fan of the way Discount Tire tries to upsell the customer and the wai...
by yukonjack
Fri Nov 03, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 2853

Re: CR doesn't like some formerly favored SUVs

This is the area that I have the greatest problem with CR. The auto rankings are all over the place. I have read numerous reviews of vehicles being at the top only to fall dramatically in one year. The prime example is the Tesla Model S. At one time CR referred to it as something like the best car e...
by yukonjack
Fri Nov 03, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: MLB Signal?
Replies: 9
Views: 1050

Re: MLB Signal?

A team that used to be in the National League has won the world series as the American League Champion. I'm not sure what this portends, but maybe something like the old AFL team winning the Super Bowl might be in store. Should I double down or lighten up? The better football analogy is an NFL team...
by yukonjack
Thu Nov 02, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Combining 401k
Replies: 21
Views: 1098

Re: Combining 401k

I currently have two separate 401k's. One from a previous employer and one from current employer. Is it better financially to combine the two? I'm assuming the growth would be more with them combined? Thanks for any input. This is a common question. There are 3 basic possibilities, they depend most...
by yukonjack
Mon Oct 30, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1619

Re: Barcelona Trip

If you have any doubts read what a professional like Rick Steves has to say. Spoiler alert he highly recommends going. The plus side is that maybe there won’t be so many tourist that often overrun parts of Barcelona.
by yukonjack
Thu Oct 26, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a K-1. What do I need to know?
Replies: 15
Views: 1443

Re: Moving to a K-1. What do I need to know?

I have received a K-1 for 5 years now and have yet to find a need for a CPA. Both Turbo Tax and H & R Block handle K-1s just fine. You are pretty much walked through the form. At the end of the process review the results closely for errors and omissions but otherwise if you are comfortable doing you...
by yukonjack
Tue Oct 24, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2119

Re: Running shoes/insoles

Check out Hoka One One brand, and don't add insoles - just use what comes with. Speedgoat 2 (trail) and Clayton 2 (road) have been great for me and for many other runners I know who have been dealing with accumulated mileage wear-and-tear over decades of running. YMMV. :) +1. I would second the Hok...
by yukonjack
Fri Oct 20, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 164
Views: 14866

Re: Does anyone here with net worths north of $1 mil use financial advisors?

That’s one of the real bonuses of discovering this website. You don’t need a FA. And what a savings.
by yukonjack
Wed Oct 18, 2017 7:49 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6586

Re: Larry Swedroe:Better To Face The Correction

A very good and timely piece by Larry especially given all the recent posts about increasing cash and the impending correction. Thanks for keeping us up to date with Larry.
by yukonjack
Thu Oct 12, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 37
Views: 3981

Re: Anyone used Zelle?

I’ve used it to send money to my kids. It has worked well. It’s very simple and quick.
by yukonjack
Thu Oct 12, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3266

Re: Buying 2017 Honda CR-V

I can’t give you a specific number but if I was buying this late in the cycle I would drive a very hard bargain. 2018s are on the way and most dealers desperately want to get rid of the 2017s.
by yukonjack
Tue Oct 10, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5534

Re: 2018 Honda Accord

No bird's eye parking cameras on the 2018 Accord. The 2018 Camry has them. I find this to be a very useful feature. Also, the Camry has a naturally aspirated V6 rather than a turbo 4-cylinder. I would take the V6. In terms of seats, reviewers have complained that the seats in the 2018 Camry are too...
by yukonjack
Tue Oct 10, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5534

Re: 2018 Honda Accord

I have been following the release information fairly closely. I realize it’s quite early but am surprised at all the favorable reviews. About the only consistent negative is the front grill. Although one review said that it wasn’t as noticeable in person. It looks like the Accord with the smaller en...
by yukonjack
Tue Oct 10, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12163

Re: 100% in bond to wait for market crash?

All I was saying it is much more risky to put in stock now. You can treat it like a joke, but PE at 30 is real, how many times you see the market with P/E ratio 30? It's not about timing the market, it's about assess the risk. For example, you could kind of see the housing market about to crash wit...
by yukonjack
Mon Oct 02, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)
Replies: 22
Views: 2549

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Looks like a very good deal. It’s only $0.04 off the lowest price according to camelcamelcamel.
by yukonjack
Mon Sep 25, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Journal of my ride across Western Europe
Replies: 9
Views: 1254

Re: Journal of my ride across Western Europe

Thanks for posting Raybo. I always enjoy reading about your travels as well as viewing the photos.
by yukonjack
Sat Sep 23, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 10
Views: 1364

Re: Favorite small Colorado towns near great fishing?

I would recommend southern Colorado. Small towns south of highway 50.
by yukonjack
Tue Sep 19, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Car recommendation
Replies: 18
Views: 1677

Re: Car recommendation

Given the info listed I would take a look at a new Honda HR-V. Somewhat similar to you current vehicle but a better value and more reliable.
by yukonjack
Thu Sep 14, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7904

Re: Best Lower Cost USA Cities to Live

Broad-brush averages/medians for housing prices in large metro areas can really mislead. They all have ranges. Sometimes very wide ranges. A tool like the Trulia heat map of housing cost per square foot can give a more granular breakdown of various suburbs. for example in the case of Denver: https:...
by yukonjack
Tue Sep 12, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3892

Re: Relocate for Early Retirement?

I would second an earlier response to take a look at Ft. Collins if your are considering the Springs. And while both have seen significant increases in real estate prices I would still consider both very affordable. You are probably aware of it but I will mention that in considering Colorado Springs...
by yukonjack
Wed Aug 23, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9952

Re: Non-fiction bucket list

The modern library website has a nice list of the top fiction and nonfiction books at www.modernlibrary.com. They have a board's list and a reader's list. An interesting read.
by yukonjack
Thu Aug 17, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Want to give money to relative traveling int'l - options?
Replies: 19
Views: 1252

Re: Want to give money to relative traveling int'l - options?

Have the target open a checking account with an ATM card in their own name. Do a deposit into that account. An electronic transfer of the desired amount to their account will be possible. You can accomplish this with Zelle for free if you both have accounts at a member bank, or you could do a wire ...
by yukonjack
Tue Aug 15, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: 27y/o w/ 150k debt buying 685k house
Replies: 41
Views: 4792

Re: 27y/o w/ 150k debt buying 685k house

As a young single person in a large home there is always the fallback of taking on multiple roommates. If your friend fills the house with roommates he might come out ahead financially. And if the housing market doesn't go through a correction in the next couple of years he probably would do okay se...
by yukonjack
Sat Aug 12, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany
Replies: 21
Views: 2218

Re: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany

Magnificent as usual. How did you come to select your route and how did you locate the various bike paths? Planning a route is part of the art of bike touring. Being involved in bike touring and maintaining my website have given me a good deal of knowledge about bike touring in various parts of the...
by yukonjack
Fri Aug 11, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Home Ownership / Investing
Replies: 18
Views: 1042

Re: Home Ownership / Investing

As you will hear over and over buying a home is a lifestyle choice and not an investment. As a homeowner for about 26 years I couldn't agree more. It is most definitely not an investment. At least it's not one of the better ones when you consider time and money that you'll pay to be a homeowner. If ...
by yukonjack
Thu Aug 10, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 2235

Re: Warm Place for Thanksgiving family reunion

FrugalConsultant wrote:My family has spent Thanksgiving for several years at Siesta Key on the Gulf coast. Fly into Tampa. It's relatively quiet and inexpensive that time of year. We rent on or near the beach, and the younger ones use rental bicycles to get around.
Was it warm enough to swim in the gulf?
by yukonjack
Thu Aug 10, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6934

Re: What Percentage CASH are you?

Less than 1%. I don't count the cash I hold to make quarterly tax payments. And I use after tax investments for my emergency fund.
by yukonjack
Mon Aug 07, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany
Replies: 21
Views: 2218

Re: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany

Magnificent as usual. How did you come to select your route and how did you locate the various bike paths? Also how does the folding style bike handle when fully loaded? Thanks for taking the time to post.
by yukonjack
Mon Aug 07, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 4620

Re: Beach condo investing

I just returned from a week of vacation in the Sarasota area and usually go there every year. The one thing that sticks out for me is how significantly man made stuff deteriorates in that climate. I would imagine general maintenance costs would be quite high and repetitive. It seems like a dwelling ...
by yukonjack
Tue Aug 01, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1555

Re: Florence Hotels.......

We stayed at Hotel Pendini. It was recommended in Rick Steves book. Nothing fancy but adequate. Centrally located on Republican piazza. They had some old photos in the lobby of Hitler and Mussolini driving in a parade with the hotel in the background. +1. I was there a couple years ago and really e...
by yukonjack
Mon Jul 31, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 5542

Re: Denver or Portland for a 2nd home

I'm 60, living in Louisiana, and recently retired, looking to purchase a 2nd home. Being a runner and love outdoor activity, I'm thinking of either Denver or Portland (Oregon). The real estate market in both city has run up quite a lot in recent years. However, I cannot change the fact that I retir...
by yukonjack
Sun Jul 30, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 1816

Re: Colorado Vehicle Registration fees

Sidebar. Think it depends upon where you live. Some friends moved a few counties west of Denver and lost most of the fees and no longer need biennial clean air inspections after updating their vehicles' registration/drivers' license information with the new county. You could move west of Denver and...
by yukonjack
Fri Jul 28, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6951

Re: Where to View Total Eclipse? - Kansas City

I have a reservation in Ft. Collins CO and am expecting to drive up the interstate in the direction of Casper WY. I would appreciate thoughts about how realistic this is. The room is cancellable. Rooms in Casper are either unavailable or at truly astonishing prices. Very reasonable plan. You could ...
by yukonjack
Tue Jul 25, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13998

Re: Another bay area housing thread..

Pleasanton is very nice.Lots of parks and trees.Quaint downtown and good schools.Not cheap but a bargain compared to SV.About 35 miles or so. Shhhh. Don't give away our secret. :) Sorry...I forgot to mention the hurricanes and tornadoes :D Pleasanton has vampires and werewolves. And the great John ...
by yukonjack
Tue Jul 25, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Investing in an AirBNB unit? ROI?
Replies: 32
Views: 3348

Re: Investing in an AirBNB unit? ROI?

You do understand you are simply one home rule law away from having your investment abruptly terminated? I'm unfamiliar with what you're talking about. Can you explain? There are a lot of new laws being created and existing laws being enforced surrounding Airbnb. A lot of people aren't happy their ...
by yukonjack
Mon Jul 24, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Spending and Expense
Replies: 6
Views: 583

Re: Spending and Expense

I have always maintained a no fee HELOC for large, unexpected expenses. Although I haven't had to use it, there is some comfort knowing it's there.
by yukonjack
Mon Jul 24, 2017 8:48 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 34936

Re: John Bogle Has Been Right About Investing In International Stocks

[quote="CULater"]Over the long run, I doubt that it makes much difference whether you invest 100% in a U.S. market index or include an allocation to Foreign Developed and Emerging Market. What will make a difference is whether or not you stick with whatever allocation you select. So, it's important ...
by yukonjack
Tue Jul 18, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Denver Trip - Last minute
Replies: 26
Views: 2249

Re: Denver Trip - Last minute

Iliketoridemybike wrote:Casa Bonita and the 16th St Mall are high up on the do not do list.
Great advice.
by yukonjack
Tue Jul 18, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates in 3 years?
Replies: 26
Views: 2667

Re: Mortgage Rates in 3 years?

Not to throw cold water on your plans but I would be less concerned with interest rate fluctuations than I would be with buying a house with a girlfriend. Especially since it appears that you already have differing views on the type of house to buy. I guess the good news is that you have 3 years to ...
by yukonjack
Mon Jul 17, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Denver Trip - Last minute
Replies: 26
Views: 2249

Re: Denver Trip - Last minute

If you go to Colorado Springs then I'd highly recommend driving to the top of Pikes Peak. This is #1 for all of my visitors. You have been given some good tips in only a few posts so I'll try not to repeat. If you want to drive to the top of a mountain drive up to Mt. Evans (14,265 feet) about 50 m...
by yukonjack
Mon Jul 17, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6880

Re: anyone retire and move to a planned community in FL?

I started visiting Florida as a snowbird and rented all over the state, looking for the ideal place to retire. I ended up choosing Daytona Beach Shores and now live right across the street from the beach. Low cost of living, low property taxes, no inheritance or estate tax, etc. Casual living at it...
by yukonjack
Sun Jul 16, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Rent or Buy in Las Cruces, NM
Replies: 12
Views: 1353

Re: Rent or Buy in Las Cruces, NM

With New Mexico State in Las Cruces there has to be a decent amount of rental property. Although I doubt that you'll want to live too close to the students.
by yukonjack
Thu Jul 13, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is $1220/year Auto Insurance for 26y/o cheap?
Replies: 14
Views: 1910

Re: Is $1220/year Auto Insurance for 26y/o cheap?

My son is your age and so happens to have the exact same car and pays $1140 a year in the Denver metro area. His policy is with Geico. Although there are so many variables that go into insurance costs it would be tough to compare the two.
by yukonjack
Thu Jul 13, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Tipping packers/ movers for long haul move
Replies: 2
Views: 440

Re: Tipping packers/ movers for long haul move

I recently finished a very good book titled The Long Haul about the moving business. Based on this book $10 is probably on the very low end. Also it sounds like movers really appreciate being fed. Another important point was to show them a bit of respect. I guess it's common for clients to treat the...
by yukonjack
Mon Jul 10, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10238

Re: Amazon prime day

I just took a look and didn't see anything of note. Hopefully tomorrow will be better.
by yukonjack
Thu Jun 29, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 20597

Re: Buying house - Very important decision

From what I have read the Nashville area is quite affordable so I would imagine that you have a large price range to pick from. Now if you lived on either coast you might have to "overspend " for a house. Best of luck as this is a tricky time to be a buyer.