Search found 975 matches

by fortfun
Mon Oct 15, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 29
Views: 2211

Re: Kids not interested in money / allowance

I'm cheap and my kids are cheap too. My son has a big jar of money, never spends a penny. They do chores and feed the neighbor's pets when they are gone. They keep everything. Most of their hobbies are on the educational side and we pay for that. Art, piano lessons, hiking, camping, traveling, etc. ...
by fortfun
Mon Oct 15, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 43
Views: 3431

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

The most popular bank on Bogleheads (Ally Bank) is offering 1% extra cash back on any "new" money added before 10/31. You are able to receive up to $1,000 back ($100k deposit). This is also combined with their 1.9% APY. Funds must remain in account until 1/15/19. Cash back bonus deposited by 2/15. ...
by fortfun
Mon Oct 15, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 153
Views: 12108

Re: Correlation between the FIRE movement and one of the greatest bull markets

Mike Scott wrote:
Thu Oct 04, 2018 10:52 am
Things change. Joe Dominguez and Vicki Robin of the original "Your Money or Your Life" advocated buying high interest government bonds. There is a new rewrite but I have not read it to know how those recommendations have changed.
Vanguard total index stocks (mostly).
by fortfun
Sun Oct 14, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Online Masters in Education?
Replies: 9
Views: 334

Re: Online Masters in Education?

She has a bachelors in political science. She has done a fair amount of substitute teaching over the years for our local elementary schools. We are just looking to the future thinking about possibilities. University of Phoenix has an online program she can start in a couple weeks. 2 years to comple...
by fortfun
Sun Oct 14, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5810

Re: Neighbor discussing finances with me

Make sure that he is fully aware of this forum and insist that he take a look at it. I wish someone had done that with me 15 years ago. I would be so grateful and I suspect your neighbor will be too (eventually). Maybe half of Americans would actually have some savings if this topic weren't so taboo.
by fortfun
Sun Oct 14, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Online Masters in Education?
Replies: 9
Views: 334

Re: Online Masters in Education?

I had a friend go through this one recently. She said it was a pretty good experience, super cheap, and accredited. I would not spend a ton of money to get an education degree. The pay is just not worth it. A school like this one should be just fine. As others have said, make sure to do your due dil...
by fortfun
Fri Oct 12, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

moehoward wrote:
Thu Oct 11, 2018 1:26 pm
UpperNwGuy wrote:
Thu Oct 11, 2018 12:29 pm
Whoever heard of a "backup hot water heater"? Nobody does that.
I like your reply. A whole post on a "backup water heater", you gotta love it.
This IS bogleheads. Anything to save a buck for investing :)
by fortfun
Fri Oct 12, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

adamthesmythe wrote:
Fri Oct 12, 2018 1:07 pm
You could plumb it in next to the old one with cutoff valves. Then the down time in the event of failure could be just a few minutes.
I think I will do this. Get to practice my soldering skills again :) Wish this was PEX!
by fortfun
Fri Oct 12, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

Murphy's law says it will fail, catastrophically, the morning that you have a big wedding the entire family must get ready for, during preparation for Thanksgiving dinner for 60 people, while you are on vacation dumping 1000s of gallons of water into the sewer, etc. Just pick a day where it is conv...
by fortfun
Fri Oct 12, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

I'm struggling with this as well. Water Heater is 14 years old Never had an issue with it Never have done anything to it In the next room over(Basement) is my home theater that I'd rather not ruin I'm not worried about a slow leak but I am worried about the bottom dropping out. So if this happens w...
by fortfun
Thu Oct 11, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Scholar's Choice 529 (Colorado)
Replies: 10
Views: 665

Re: Scholar's Choice 529 (Colorado)

Hey guys. First timer here and I must say this is a cool group of people. 99% courteous and helpful which is very refreshing. I have 3 kids (Ages 6, 5, 2) and opened Scholar's Choice 529 in Colorado thru EJ a few years ago. Balances are: $8,600; $6,100; $2,700. I recently moved our IRA's to Vanguar...
by fortfun
Thu Oct 11, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 75
Views: 5034

Re: Anyone done a Hair Transplant?

Thank you everyone for the advice and responses. Shaving my head inst a good option for me, it wont look good, shape-wise. I will do my due diligence and research more. Ultimately its a risk I take because it might end up failing. I am in good shape and eat healthy as well so no issues there. I thi...
by fortfun
Thu Oct 11, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7056

Re: My life saved by New subaru. Almost died.

Your Subaru Outback 3.6 Touring is a very poor performer when it comes to braking.. Braking is not the Subaru Outback’s forte. With a 70-mph-to-zero braking distance of 192 feet, our 3859-pound Outback 3.6R Touring d idn’t just perform poorly among its competitive set, it simply performed poorly . ...
by fortfun
Wed Oct 10, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: seek advice on investing money that is currently sitting in my saving account
Replies: 5
Views: 517

Re: seek advice on investing money that is currently sitting in my saving account

Hi there I have been learning investment basics by reading posts on this forum for some time. And I have to say I've learned a lot. Thank you all. I was just about to move some of my savings that is currently sitting in the regular saving account to stock index funds like VTSAX to achieve the targe...
by fortfun
Wed Oct 10, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 38
Views: 1742

Re: Route-66 trip recommendations

Instead, have them buy a Ntl Park Pass ($80) and visit the big five national parks in Utah. There are some beautiful drives between them (i.e. Between Capital Reef, Bryce Canyon, and Zion.) Hit the north rim of the Grand Canyon on the way out. Make sure that they have an atlas that indicates the sce...
by fortfun
Wed Oct 10, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

sport wrote:
Wed Oct 10, 2018 7:30 pm
If you change the anode in the tank every 5 years, or so, you will increase its life substantially.
Yeah, I watched that on an epsiode of This Old House on that topic. Mine is under a ceiling, I'd need to find those "sausage link" anodes. Maybe I'll try that on the new ones. Thanks!
by fortfun
Wed Oct 10, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

15 years is more than a good run for a water heater. Go on and replace it now when it is convenient for you. One thing to research though is that the code requirements may have changed since the last one was installed so there may be more to replacing the water heater than just swapping them. There...
by fortfun
Wed Oct 10, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

ddurrett896 wrote:
Wed Oct 10, 2018 7:20 pm
fortfun wrote:
Wed Oct 10, 2018 7:13 pm
I'm so cheap, it would be painful not to squeeze every minute out of them, but you are probably right :)
Im almost afraid to ask what’s your process when replacing tires :confused
I'm a little more careful with those :)
Luckily, you can see when those need to replaced.
by fortfun
Wed Oct 10, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

When mine broke I didn't have hot water for more than a week. My wife had no problem. If it's summer is not a big deal. In the winter even a day might be a problem. Unless you have the water heater safely in a pan with a drain I would not risk 10k$ worth of water damage to save a year from the life...
by fortfun
Wed Oct 10, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

Teague wrote:
Wed Oct 10, 2018 7:13 pm
A cold water shower now and then builds character.
I agree but I'm afraid my wife and daughter might disagree :)
by fortfun
Wed Oct 10, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Re: Keep a backup hot water heater?

ddurrett896 wrote:
Wed Oct 10, 2018 7:11 pm
Install it when you buy it.
I'm so cheap, it would be painful not to squeeze every minute out of them, but you are probably right :)
by fortfun
Wed Oct 10, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4588

Keep a backup hot water heater?

My hot water heaters (2-40 gallon) are approaching 15 years old. Some of my neighbor's have already failed (same age). Has anyone kept a spare in case of failure? I plan to install it myself and this would save me a trip to the Home Depot during a morning family crisis (I can imagine it now). I know...
by fortfun
Wed Oct 10, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3340

Re: 5 ways target-date funds let investors down

Still way better for the average investor, that's thinking about using EJ, because they believe investing is too complicated.
by fortfun
Wed Oct 10, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it
Replies: 14
Views: 1331

Re: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it

If you have time, and are fit, I'd just hike down one of the rims a bit. South rim is busy and touristy but you get the classic views. Hiking a mile down South Kabab trail will get you away from most of the people. North rim is more peaceful and the trail down to Manzanita rest area is beautiful but...
by fortfun
Wed Oct 10, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it
Replies: 14
Views: 1331

Re: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it

djpeteski wrote:
Wed Oct 10, 2018 11:27 am
I think the whole place is a rip off. I would avoid it.
North Rim is actually quite nice and peaceful. Especially this time of year (after the lodge closes).
by fortfun
Wed Oct 10, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Logic of CD laddering to pay down mortagage & which CD?
Replies: 3
Views: 286

Logic of CD laddering to pay down mortagage & which CD?

DW and I are trying to move retirement date earlier (5yrs, 50 & 51). Having house paid off by then would free up $1,200/month and help with cash flow. CD rates (3.25%) exceed our mortgage interest rate (3%). Does it make sense to ladder 5 year CDs instead of paying extra on mortgage? Advantage is mo...
by fortfun
Tue Oct 09, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Outdoor Furniture
Replies: 9
Views: 1091

Re: Outdoor Furniture

I am considering purchasing a wood (douglas fir) dining table. The table will be on a deck under a roof - the deck is exposed on 3 sides - I was advised that I would need to store the table inside the house during the winter - this may be a dealbreaker due to the weight/size of the table the house ...
by fortfun
Tue Oct 09, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 564
Views: 83092

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Toyota has had a history of multiple recalls due to various braking problems since 2009, and in 2014, an "unintended acceleration" problem. That would concern me even more than the oil-gas dilution issue. From The Atlantic: a recently released NASA study, commissioned by the National Highway Traffi...
by fortfun
Sun Oct 07, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2036

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

I am switching banks to get 1.8% on my checking account. With a Fidelity cash management account, you can put your savings/checking money into a government money market account currently getting 1.8% (minus ~.30% fees) and you get unlimited check writing and ATM use on all of your money, plus ATM f...
by fortfun
Sun Oct 07, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2036

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

I am switching banks to get 1.8% on my checking account. With a Fidelity cash management account, you can put your savings/checking money into a government money market account currently getting 1.8% (minus ~.30% fees) and you get unlimited check writing and ATM use on all of your money, plus ATM f...
by fortfun
Sat Oct 06, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing a better retirement 401k fund on TIAA
Replies: 6
Views: 414

Re: Choosing a better retirement 401k fund on TIAA

Hi bogleheads, I have around $60K in an employer-sponsored 401k plan with TIAA. The fund is the default TIAA-CREF Lifecycle 2045 T3 . Net expense ratio is 0.9% (too much IMO) and it's 90% stocks (too much IMO). There's not that much choice in alternative funds, but I like this one they offer: CREF ...
by fortfun
Sat Oct 06, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 3
Views: 364

Re: Portfolio advice

I'm not sure, but maybe you would get a better response if you cleaned up your numbers and data. It seems there are many missing commas in your dollar figures. Some numbers have a large number of decimal places. I really can't understand much of what you posted here but maybe someone else can. There...
by fortfun
Fri Oct 05, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Do BH's recommend annual new quote for insurance?
Replies: 12
Views: 1158

Re: Do BH's recommend annual new quote for insurance?

I would shop around every renewal period. We save $500 to 1k (per year) each time we switch (from what the premium would increase to on home and two cars).

I guess I'm lucky. Every insurance company has taken good care of us on claims, even the ones that aren't big names.
by fortfun
Fri Oct 05, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: What I learned from my roofing saga.

chevca wrote:
Wed Oct 03, 2018 10:26 am
Glad you got something worked out.

Who paid for the materials on the first, botched roof job?
The contractor. Though, the time and energy has been a big expense for me. I wish it had been done correctly the first time around. The roofing industry is really awful.
by fortfun
Fri Oct 05, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: How to tell contractor you don't plan to pay him.

This is a pet peave of mine (maybe it shouldn’t be). Building materials, mechanical equipment, appliances, etc typically come with clear instructions for how to install them. Sometimes, as in the case of these roofing shingles, installing per the instructions is a requirement for the warranty to be...
by fortfun
Fri Oct 05, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: What I learned from my roofing saga.

Don't leave us hanging, Fortfun! What transpired between Sunday and today? Are you paying the old roofer anything? How did you explain the situation to the new roofer? Congrats on being a bit closer to resolution -- here's hoping roofer #2 knows what they're doing! :oops: :) Thanks Jucor. Nope, not...
by fortfun
Tue Oct 02, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5435

Re: Landlord wants to raise rent, but is asking if he can?

On good terms with the landlord and have lived in flat (his house but my own floor, walk in, etc.) for 5 years. Last year he increased rent +2.5% due to utilities going up. Same thing this year, asking to raise rent +2.5% this year, but asking if he can. He says if we don't want to, we don't have t...
by fortfun
Tue Oct 02, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on renting a property
Replies: 11
Views: 984

Re: Advice on renting a property

Consider posting it on a college housing board through campus, if you are in a college town. That's the only place that I advertise. Generally get grad students, upper class men, etc.
by fortfun
Tue Oct 02, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5435

Re: Landlord wants to raise rent, but is asking if he can?

On good terms with the landlord and have lived in flat (his house but my own floor, walk in, etc.) for 5 years. Last year he increased rent +2.5% due to utilities going up. Same thing this year, asking to raise rent +2.5% this year, but asking if he can. He says if we don't want to, we don't have t...
by fortfun
Tue Oct 02, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: What I learned from my roofing saga.

While your situation worked out I think in most circumstances a general layperson reading info on the internet may think they know what they are talking about but this is rarely the case. Probably, I've done a fair amount of building over the years. However, GAF actually has YouTube videos that sho...
by fortfun
Tue Oct 02, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: What I learned from my roofing saga.

Don't leave us hanging, Fortfun! What transpired between Sunday and today? Are you paying the old roofer anything? How did you explain the situation to the new roofer? Congrats on being a bit closer to resolution -- here's hoping roofer #2 knows what they're doing! :oops: :) Thanks Jucor. Nope, not...
by fortfun
Tue Oct 02, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

What I learned from my roofing saga.

[Thread merged into here, see below. --admin LadyGeek] For those of you who followed my roofing saga on Sunday, it has been resolved. I will have a new roof installed by a different roofer. Lessons learned: 1. Make sure you have a good contract that specifies the job will be done according to the m...
by fortfun
Mon Oct 01, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a bigger home
Replies: 7
Views: 1118

Re: Buying a bigger home

I'm looking to purchase a larger home in the next 5-7 years (growing family) and wondering where I should invest my savings for the down payment... 5 year CD? (3.1%) Principal payments on current mortgage? - 297k original principal @ 4% interest rate, 30 years - 262k outstanding (6 years into mortg...
by fortfun
Mon Oct 01, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep emergency fund?
Replies: 15
Views: 1259

Re: Where to keep emergency fund?

Ally no risk cd 2.1% can be cashed out immediately with no penalty and it is insured.
by fortfun
Sun Sep 30, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: How to tell contractor you don't plan to pay him.

1. Have you contacted the contractor and given his company and opportunity to remedy the situation? --Doing that tonight. 2. Did the contractor respond to your complaints in a timely manner? --He keeps telling me everything is fine. Nothing to worry about. Application instructions say otherwise. 3....
by fortfun
Sun Sep 30, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: How to tell contractor you don't plan to pay him.

1. Have you contacted the contractor and given his company and opportunity to remedy the situation? --Doing that tonight. 2. Did the contractor respond to your complaints in a timely manner? --He keeps telling me everything is fine. Nothing to worry about. Application instructions say otherwise. 3....
by fortfun
Sun Sep 30, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: How to tell contractor you don't plan to pay him.

They botched the starter course, not even sure they used one. Can lift the shingles 8" to 12" in places. So that's not good. With the wet installation, I can't risk losing the lifetime warranty on the shingles themselves. We are expecting our first freeze any day now and there's not been enough war...
by fortfun
Sun Sep 30, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Botched Roof Job. What to do.
Replies: 15
Views: 1909

Re: Botched Roof Job. What to do.

You probably want a qualified inspector/engineer to give an opinion. Your opinion is not impartial. Then you could have a lawyer write a letter to him, or do it yourself. Thank whodidntante. Installing the shingles over a wet surface is not my opinion. Neighbors witnessed it too. It dumped a 1/2" o...
by fortfun
Sun Sep 30, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: How to tell contractor you don't plan to pay him.

What else is wrong with the installation? Installing over a damp surface is not the end of the world. Shingles aren't air tight and any water in there will work itself out in short order. They build elaborate homes in the rain all the time. The starter course, one of the most important parts of the...
by fortfun
Sun Sep 30, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5914

Re: How to tell contractor you don't plan to pay him.

FrugalInvestor wrote:
Sun Sep 30, 2018 8:02 pm
The fact that other roofers working at the same time in the same neighborhood stopped work and covered their roofs with tarps speaks volumes.
Yes, that was my first clue that something was wrong...ugh...