Search found 101 matches

by jgdsss
Wed Nov 18, 2020 11:33 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 125
Views: 11898

Re: Subaru Outback engine stop/start

My parents have a 19 outback (doesn’t have auto start stop) and a 20 outback which does; it drives them crazy. I’ve looked into an outback for myself but I would hate the feature. I’ve read about this, seems like it could work. Any one used it? The video makes it seem fairly easy. https://www.autost...
by jgdsss
Mon Nov 16, 2020 11:21 pm
Forum: Personal Investments
Topic: Focus more on taxable than 401k?
Replies: 7
Views: 984

Focus more on taxable than 401k?

Is there any reading or a school of thought on NOT contributing to tax advantage accounts if our goal is to retire early? We currently max out both 401k, simple IRA and both Roths. Anything else goes to taxable. Ages 40 and 50 so a ten year difference leaves some things to consider. Since we won’t b...
by jgdsss
Tue Nov 10, 2020 10:21 pm
Forum: Investing - Theory, News & General
Topic: Any long term (+1 years) personal capital users?
Replies: 18
Views: 1737

Re: Any long term (+1 years) personal capital users?

I’ve Used it for several years. Easy to view, accounts all populate, etc. no issues. I like being able to look at the default 90 day view, year to date, etc. good to have when all accounts aren’t with one firm. I have fidelity, vanguard and a random 401k. I also input my cash/credit cards accounts t...
by jgdsss
Sat Oct 31, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Help...we're getting a dog!
Replies: 157
Views: 8738

Re: Help...we're getting a dog!

Oh, we had an issue with leash pulling a lot even with a harness. We Initially had a cute mesh harness but ended up with one called something like PetSafe Easy Walk Harness (Amazon or PetSmart). What a difference it made; best I can tell is that it instead of clipping the leash to harness on their b...
by jgdsss
Thu Oct 29, 2020 6:50 am
Forum: Personal Consumer Issues
Topic: Help...we're getting a dog!
Replies: 157
Views: 8738

Re: Help...we're getting a dog!

Thanks for the great advice everyone...I'll be sure to check out some of the web links and the books! To answer some questions out there... 1. There's no going back now. We placed a $500 deposit, signed the contract, and are ready the pick up the puppy the weekend after Thanksgiving when she's 8 we...
by jgdsss
Thu Oct 29, 2020 6:40 am
Forum: Personal Consumer Issues
Topic: Help...we're getting a dog!
Replies: 157
Views: 8738

Re: Help...we're getting a dog!

Husband and I were Non dog people our entire lives. A situation came up where a puppy needed a home and we took him in. Now we are crazy dog people (at the moment are on vacation with our dog). Recommend finding AKC trainers in your area like ASAP and completing group training. We did a few in home ...
by jgdsss
Sat Sep 26, 2020 7:56 pm
Forum: Personal Consumer Issues
Topic: Talk me into buying a Tesla Model Y
Replies: 86
Views: 7548

Re: Talk me into buying a Tesla Model Y

Did overnight test drive on a Y. Everything was great, everything seriously, except the ride. Very rough, rattling, etc. I even drove it with two diff tire sizes, 20 and 19 and still felt every bump, every pebble, noise, etc. I’d buy it if that wasn’t important. Seats were so comfortable, tech easy,...
by jgdsss
Sun Aug 23, 2020 4:37 pm
Forum: Investing - Theory, News & General
Topic: Breaking down returns
Replies: 2
Views: 271

Breaking down returns

Most of our investments are in Vanguard except for company 401k (current and previous employer), One HSA, etc. We use Personal Capital to have an eye on everything as a whole. It works well, shows cash, credit card usage, mortgage,etc. I like it. How do I, on PC or Vanguard for that matter, see what...
by jgdsss
Tue Jul 21, 2020 10:23 am
Forum: Personal Investments
Topic: Charles Schwab
Replies: 48
Views: 5599

Re: Charles Schwab

Does Schwab have a lower fee management option? Like in between DIY and total managed assets? I have a relative who is not interested in managing her own money so she needs some help, but definitely less than what she was paying at Morgan Stanley for years. All her accounts are at Schwab now and I t...
by jgdsss
Wed Jun 24, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: Trading up 2020 Outback to diff engine
Replies: 2
Views: 612

Trading up 2020 Outback to diff engine

My mother has a 2019 outback, 2.5 regular engine. Loves it, smooth, quiet, etc. my dad was so pleased with her car he went and got himself a 2020 outback Premium about 6 months ago. Just wanted base model, cloth seats, nothing fancy. Did the research, test drove, etc. He did know the 2020 came with ...
by jgdsss
Fri May 22, 2020 11:13 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback vs deer
Replies: 21
Views: 2011

Subaru Outback vs deer

My parents 2020 outback was hit by a deer, deer ran into the rear passenger side. From pics seems like both passenger door and rear passenger door are dented/scraped, No major damage, the deer ran away. Since it seems like just door panels, do we take it to Subaru dealership, or can regular collisio...
by jgdsss
Sun Apr 05, 2020 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35907

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Has anyone heard back from the sba yet regarding their regular sba application (not the PPP). I’ve heard from several folks that they heard from sba over the weekend and the representatives said that now that the loans are capped at $15k. This is a huge decrease from the first numbers I’d heard. I’m...
by jgdsss
Sun Apr 05, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Help with Router & WiFi Extender Setup for large area: Help Please.
Replies: 43
Views: 1638

Re: Help with Router & WiFi Extender Setup for large area: Help Please.

Just got an Eero set, three little plug in mesh extenders. Placed around the house sort of spread out. Very easy set up, creates a “new” WiFi network. No issues yet. Very happy.
by jgdsss
Sun Apr 05, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: BOFA PPP Program (who got email to upload supporting docs)?
Replies: 23
Views: 2979

Re: BOFA PPP Program (who got email to upload supporting docs)?

No follow up email yet with doc request yet. I have a lot ready to go in case. Applied on Friday Morning about 10:30am after receiving link from my BofA banker. Keeping fingers crossed.
by jgdsss
Mon Feb 17, 2020 11:40 pm
Forum: Personal Investments
Topic: Order of spending plan?
Replies: 1
Views: 404

Order of spending plan?

What is it called, or is there a term for, figuring out a plan of the order to spend assets based on current age, hopeful retirement age, dates when you CAN access tax advantaged accounts without penalties....I’m thinking of my husband and I who are ten years apart...he will be able to access his IR...
by jgdsss
Sun Jan 12, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: Cancelling surgery last minute?
Replies: 17
Views: 2141

Re: Cancelling surgery last minute?

Thanks all. He has a few days bc it’s kind of already at it’s worse stage. Apparently if it detaches and the macula is still on, that’s when you scramble bc you don’t want that to come off. Since his already did come off, it’s not so urgent (but still can’t wait more than a couple days.) dr was insi...
by jgdsss
Sun Jan 12, 2020 1:40 am
Forum: Personal Consumer Issues
Topic: Cancelling surgery last minute?
Replies: 17
Views: 2141

Cancelling surgery last minute?

Husband diagnosed with detached retina Friday at 9:30am. The office we were at couldn’t get him in ASAP so they referred us to another practice that day. Got to appointment about 1pm saw available dr, she says surgery can wait a few days (bc the macula is already off). But she wants to schedule for ...
by jgdsss
Sun Jan 05, 2020 4:19 am
Forum: Personal Consumer Issues
Topic: Cosmetology School vs Traditional College
Replies: 99
Views: 6528

Re: Cosmetology School vs Traditional College

I own a hair salon but am not a hair stylist. I have 11 stylists, some of whom have been with me for 10 years. Barrier to entry is low, tuition around here is about $21k. A top school is very important here, in my area there are two. I’d suggest she work in a high end salon as an assistant for awhil...
by jgdsss
Sat Jan 04, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Outdoor landscaping lights
Replies: 17
Views: 1642

Re: Outdoor landscaping lights

I also used Volt. Great customer service when I was installing the transformer box and wire. I called them a few times in a day even on Sunday.
by jgdsss
Tue Dec 17, 2019 11:33 pm
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3309

Re: Strategy to work a deal when buying a car

In tbe middle of this now; found a car/trim I liked. Emailed four dealers in area to get price on same car/trim/package. Got a great price from a dealer A who had it in blue. I had asked deaker B who had the color I wanted, he wouldn’t deal, even after I showed him price in writing from dealer A. To...
by jgdsss
Tue Dec 17, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Car financing-after the deal?
Replies: 9
Views: 1013

Re: Car financing-after the deal?

Did the salesman ask about financing when you negotiated price? Sometimes the price is contingent upon financing or not financing. Good luck on speeding up the process. I have tried that in the past and it has never worked. You could tell the sales guy what you want to do and ask to speak to the fi...
by jgdsss
Tue Dec 17, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Car financing-after the deal?
Replies: 9
Views: 1013

Re: Car financing-after the deal?

I’m working on getting a good deal on a 2020 Subaru for my parents. I’ve got a good price that I think is fair, in writing, from sales guy, out the door. We go Wednesday to sign papers and pick up. Told him I’d give him $500 to hold it until then. Deal was not predicated on cash/finance/etc. just t...
by jgdsss
Mon Dec 16, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Car financing-after the deal?
Replies: 9
Views: 1013

Car financing-after the deal?

I’m working on getting a good deal on a 2020 Subaru for my parents. I’ve got a good price that I think is fair, in writing, from sales guy, out the door. We go Wednesday to sign papers and pick up. Told him I’d give him $500 to hold it until then. Deal was not predicated on cash/finance/etc. just to...
by jgdsss
Sun Dec 15, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Buying last year model car when new models are out
Replies: 44
Views: 3327

Re: Buying last year model car when new models are out

Update: I drove the car; it’s was a demo/loaner at the dealer which means it’s been used and has about 4,300 miles on it. He said I’d get the balance of the new car warranty....not sure it’s still a great deal. 🤔
by jgdsss
Sun Dec 15, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Buying last year model car when new models are out
Replies: 44
Views: 3327

Buying last year model car when new models are out

Does anyone have an experience buying last years model car when the new models are out? I’m looking at 2020 Volvo xc60 and there are a few 19s left. Same body style, etc. they cost roughly $10k less...one in particular had manufacturer date of 8/2018. Is it a problem that it’s sat on the lot for so ...
by jgdsss
Sat Nov 16, 2019 1:48 pm
Forum: Personal Investments
Topic: overlap?
Replies: 9
Views: 579

Re: overlap?

Thank you for the thoughtful replies. I will spend the time getting the vanguard tool set up; I’ve been using Personal Capital for similar but will see if Vanguard might be more helpful. The Janus/fidelity funds were from old 401ks, I haven’t pulled the trigger on rolling them over to Vanguard just ...
by jgdsss
Sat Nov 16, 2019 11:38 am
Forum: Personal Investments
Topic: overlap?
Replies: 9
Views: 579

overlap?

I’m reviewing my and have listed them below. I’m not concerned at this point with the ER because they’re all very low. My question is more do I have too much overlap? I pulled this from my Personal Capital Dashboard…so this is OVERALL…between our Roths, current and old 401ks, Simple IRAs and brokera...
by jgdsss
Wed Nov 06, 2019 9:01 am
Forum: Personal Investments
Topic: moving to schwab from morgan stanley advising
Replies: 4
Views: 701

Re: moving to schwab from morgan stanley advising

Thanks that’s exactly what I was asking. The target date funds prob would be the best for her as she’s never been interested in investments. She wouldn’t want to do the work so this might be easiest for her.
by jgdsss
Tue Nov 05, 2019 10:24 pm
Forum: Personal Investments
Topic: moving to schwab from morgan stanley advising
Replies: 4
Views: 701

moving to schwab from morgan stanley advising

a close relative (age 62) has asked a bit of advice on moving her retirement funds to schwab. she has an appt at schwab this week. ive been after her for a few years to leave Morgan Stanley b/c she was enrolled in their advisory services, they were a friend at one point, i think she didn't understoo...
by jgdsss
Wed Jul 31, 2019 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing family home-creative financing?
Replies: 1
Views: 347

Purchasing family home-creative financing?

Husband and I bought a house with a relative in 2013. Close both personally and geographically. At the time, we put it in relatives name due to several factors. We paid her the down payment, and pay the mortgage each month directly to the bank. It’s her home in name only, we have a legal agreement, ...
by jgdsss
Thu Jun 27, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Website design help
Replies: 22
Views: 1498

Re: Website design help

I second SquareSpace. Very easy, tons of templates.
by jgdsss
Wed Apr 10, 2019 10:21 pm
Forum: Personal Investments
Topic: cost of a franchise
Replies: 3
Views: 875

Re: cost of a franchise

Does owner have multiple stores? How long have they been in business? Why are they selling? Where does the majority of their revenue come from? How many mailboxes are currently rented? Are they far from a post office? Is there space to install another bank of mailboxes if needed? My family was in up...
by jgdsss
Fri Apr 05, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Best thing to prepare for care for parents
Replies: 17
Views: 1881

Re: Best thing to prepare for care for parents

Thanks for the replies. They are younger, 67 and 68, generally good health and both from families of “long livers” (both sides, 80+ years). So I’m prepared they could be around a long time therefore need a good long game plan. But of course, there’s always the unexpected. I’m unclear to why/benefit ...
by jgdsss
Fri Apr 05, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Best thing to prepare for care for parents
Replies: 17
Views: 1881

Best thing to prepare for care for parents

Kind of a look ahead/look back question. We have an older family member whose in rehab now with advanced Parkinson’s and looks as if he won’t ever come home. They aren’t prepared to take care of nursing home costs, so he will most likely go to a state facility, etc. Has us thinking about our parents...
by jgdsss
Sun Jan 20, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 3777

Re: How do you keep a calendar?

Working on this now. Does anyone print out a week at a time?trying to see which app would let me maintain electronically (so I can schedule out,do repeating events, home maintenance tasks, etc) but print a week at a time, I’d do it each Sunday night just for “chore” type things during the week.
by jgdsss
Thu Jan 17, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 4179

Re: Any admission pointers from pre- med/ med students?

My friend runs a premed podcast/mock interview. He’s a non practicing dr and his wife is a neurologist. They’re young, under 40. Really great concept and I know he’s up to date with current admissions, guidelines advice, etc. https://medicalschoolhq.net/pre-health-advisors-for-the-best-medical-schoo...
by jgdsss
Fri Jan 04, 2019 12:44 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 9425

Re: Engagement Ring (Affordable)

Find a local estate jeweler; they have many beautiful simple rings. If I did it over, I’d have told my husband just to get me a really nice diamond band. Any recommendations on sites/jewelers that offer great prices? just can't stomach spending anymore than 10K on this and my significant other is no...
by jgdsss
Mon Nov 12, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Laptop warranty-Costco’s version?
Replies: 4
Views: 691

Re: Laptop warranty-Costco’s version?

Yes but they didnt have a laptop that worked for me. So I bought it at Best Buy.
by jgdsss
Mon Nov 12, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Laptop warranty-Costco’s version?
Replies: 4
Views: 691

Laptop warranty-Costco’s version?

I never buy extended warranties but just purchased a new HP laptop, it’s one of the kind where the screen folds back and becomes a tablet. It was $1,100 at Best Buy. I figure a warranty might be good in this instance bc it is so portable, I will be taking it to and from work a lot (more chance for d...
by jgdsss
Thu Sep 27, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Need advice on kitchen cabinet
Replies: 16
Views: 2382

Re: Need advice on kitchen cabinet

Thanks again to all your inputs. After a week of research and quotes I think I get a better sense of what are the options. Option 1 is to repaint. Contractors will degrease, sand lightly, apply oil based primer and then 2 coats of acrylic (enamel?) paint. Some will spray paint and some will brush a...
by jgdsss
Thu Sep 27, 2018 6:29 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth-need general explanation
Replies: 3
Views: 1045

Backdoor Roth-need general explanation

Can someone please explain to me, in very layman terms, what is a Backdoor Roth, when and how Is it utilized. I’ll even take a link to a site that breaks it down.
by jgdsss
Wed Sep 26, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 183106

Re: How much money do you want to retire?

Are you speaking in terms of just “you” or is it “we” as in yourself and spouse? If you need 2million, does that assume that that’s total for your family unit?
by jgdsss
Mon Aug 20, 2018 11:03 pm
Forum: Personal Investments
Topic: What to do with a pile of cash?
Replies: 16
Views: 2268

Re: What to do with a pile of cash?

Same boat! I’ve been waffling back and forth about this for a year now. My numbers are similar to yours; balance left on mortgage is 137k. I have $198k in a taxable and $346k in tax advantaged accounts. Maxing our $42k in tax adv Acts (401k, simple ira and two Roths). Sending anything extra to broke...
by jgdsss
Tue Aug 14, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 4347

Re: Almost 30 - Check In

Ring. My fiancé bought me an fairly expensive ($13k) platinum ring when we got engaged. I do like it but it’s not really that important nine years later. Sometimes I think of selling it but probably wouldn’t get near what he paid. Maybe we will sell it eventually. I would be perfectly happy with a n...
by jgdsss
Mon Aug 06, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 6523

Re: Comfort level with Credit Card Balance

Was just discussing this the other day. Currently have $5k in cc debt that we acquired from husbands recent cataract surgery. They offered a care credit card with 0% for 18months. I’m leaving cash in our high yield savings and just paying off the cc from there. It didn’t make sense to pay in cash wh...
by jgdsss
Thu Jul 26, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: [S-Corps] Accountant advice on handling profit
Replies: 22
Views: 1648

Re: [S-Corps] Accountant advice on handling profit

If you have enough extra to not affect your cash flow, then take it as a distribution. I wouldn’t put it in payroll. If you do have some extra cash, there may be some other options, legally of course, to get take cash out. Rent your home to yourself for your monthly shareholder meetings, etc. there’...
by jgdsss
Thu Jul 05, 2018 6:32 pm
Forum: Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 4779

Re: 401k fees...what's "too high?"

We're missing a relevant data point here on the overall size of the plan. But if this plan is under 15 mil total that's very reasonable and I could make the case that Vanguard is the largest hog at the trough. All they are doing is running the mutual fund, not recordkeeping contributions, maintaini...
by jgdsss
Wed Jul 04, 2018 11:14 pm
Forum: Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 4779

Re: 401k fees...what's "too high?"

Now I just reviewed his previous 401k (which we left at fidelity) and there are NO administrative fees (just expense ratios for the five funds he’s got). Seems odd; do the admin fees go away if he’s not active? Or perhaps there were never any admin fees. Trying to decide if it’s a good idea to rollo...
by jgdsss
Wed Jul 04, 2018 8:24 pm
Forum: Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 4779

Re: 401k fees...what's "too high?"

Husband started new job late last year. We are on track to max out this 401k at $18,500 for this year. We were happy there was Vanguard funds available so we went with it but now I have questions on the fees. I know all 401ks will have fees, but how do I know if these are reasonable or high? 100% o...
by jgdsss
Wed Jul 04, 2018 8:22 pm
Forum: Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 4779

Re: 401k fees...what's "too high?"

I know all 401ks will have fees, but how do I know if these are reasonable or high? Not all 401(k)s have fees paid by the employee. I've been lucky, and I've never had separate fees in any of my 401(k)s. My wife's new 401(k) does, and it's the first time she's had a 401(k) with separate fees. Hers ...