Search found 619 matches

by Loik098
Sat Aug 11, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4169

Re: How to have “what if” discussion with retired parents?

My mom would like to have a better understanding of where they are financially, she has concerns at times that Dad’s investing might be riskier than what she’d like at this stage. She talks to me about this. I in turn talk to my Dad, but he says “everything is fine.” At a minimum, my Mom (and my si...
by Loik098
Sat Aug 11, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2018/19 Honda Odyssey - which trim level?
Replies: 15
Views: 973

Re: 2018/19 Honda Odyssey - which trim level?

3 kids = leather seats. From experience. :D +1. And make them give you the all-season floor mats for free, or else you walk . We consider both essential for kids. We have the 2016 EX-L: 1. No NAV: phones are better, and this sort of tech gets outdated too quickly for cost to be worth it 2. No RES: ...
by Loik098
Fri Aug 10, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7577

Re: Should I tell my family/friend that they are making a financial mistake?

If you would feel comfortable talking with this other person and sharing advise about such personal things as: 1) how they should eat 2) to stop smoking or lose weight 3) how to raise their children 4) how to interact with their significant other 5) the cleanliness of their home then you are probabl...
by Loik098
Thu Aug 09, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 73
Views: 6481

Re: When is leaving your job that pays well a good idea?

I’ve already done this for more than a decade and can’t imagine a lifetime spent for 40 working years plopped in front of computer monitors at a desk. You have that much equity and you plan to work for 30 more years? Why? I'm assuming you have a financial spreadsheet indicating your desired FIRE da...
by Loik098
Wed Aug 08, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Google Sheet Personal Finance Manager
Replies: 20
Views: 4991

Re: Google Sheet Personal Finance Manager

FIRE Calculator built in. I can perform sensitivity analysis based on different growth and dividend inputs, inflation rates, and important dates such as retirement, social security and pension start dates, and date of death. Thanks for all of you work on this sheet. Really appreciate it. Going to s...
by Loik098
Tue Aug 07, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Facebook asking banks for customer date "to offer more services" !?
Replies: 15
Views: 993

Re: Facebook asking banks for customer date "to offer more services" !?

As long as they can't make withdrawals, I wouldn't care. Deposits would be welcome, however. You came across the article in WSJ. How many other articles about the sharing of your data have you missed? How much sharing happens without the public even knowing? At the end of the day, if this and other ...
by Loik098
Tue Aug 07, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 2863

Re: Relaxing - quieting the mind

Figure out why things cause you stress to begin with, and eliminate the source or eliminate the mindset. Fix the source, rather than putting a band-aid on the problem.....which is what a lot of the "de-stressing" suggestions given here do. High levels of stress lead to poorer health outcomes. Doing ...
by Loik098
Tue Aug 07, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 68
Views: 5284

Re: are mccormick gourmet spices better

For those recommending Penzey's spices, could you list your top 3-4 favorites from there?

I see Vietnamese cinnamon in a few comments; looking for more.
by Loik098
Mon Aug 06, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Ten days in Australia
Replies: 17
Views: 1299

Re: Ten days in Australia

Wife and I are planning to spend ten days in Australia in October. We'll be flying into Sydney to visit family. We'll be staying with them for a few days, but also want to see other places. This is like saying you're going to America, flying into L.A., and want to know what else to see in this coun...
by Loik098
Sat Aug 04, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4614

Re: best place to hide a key

Having read OP's follow-up post, it's clear that the key can't just be carried on his/her person. The latest few suggestions should have taken note of this. OP, since physical keys are going the way of the dinosaur and fobs are taking over, perhaps you could develop a creative way to hide the fob ne...
by Loik098
Sat Aug 04, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: "Safe" recommendations to store important documents?
Replies: 10
Views: 1052

Re: "Safe" recommendations to store important documents?

It sounds like most or all of the things the OP wants to keep safe are not accessed often, and don't need instant access. I just use a safe deposit box at my local bank. It is more secure, and as a good customer, they don't even charge me for it. +1. We have 3 layers: 1) Scan all "keep" documents, ...
by Loik098
Sat Aug 04, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4375

Re: Which diet soda pop do you enjoy?

On another random note: Mountain Dew tastes best out of an aluminum can. All sodas for me. For some reason the soda out of plastic bottles just isn't the same. Doesn't seem as cold either, even though I know the physics doesn't work. I agree for the exact same reason: it seems colder, or at least (...
by Loik098
Sat Aug 04, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4375

Re: Which diet soda pop do you enjoy?

Since we're on this subject, does anyone else love those machines they have in some fast casual restaurants where you select the soda from a menu instead of having a few predetermined slots? No, hate them. Unless you choose a strong drink like Root Beer from it, all of the diet stuff tastes mildly ...
by Loik098
Fri Aug 03, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 3720

Re: How to Start CC Churning

The 5/24 is for ANY card, so once you've gotten the chase bonuses, you won't be applying for a chase card ever again. Why not? If one can get under 5/24 again (totally possible for a "light" churner), several Chase bonuses may be worth repeating. Also, "any" isn't true. Many business credit cards d...
by Loik098
Tue Jul 31, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 5685

Re: Consistently over budget on food - what are you guys eating?

Like I mentioned, I have a feeling after a few months, we will realize where the extra food costs are coming from. Shouldn't take you that long. Use Mint.com . Make sure all of your spending for food is put onto credit cards for a month, then use the website's features to categorize each purchase a...
by Loik098
Tue Jul 31, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 4902

Re: How to prepare for "the talk"

It's none of your business unless you want to pay off your school loan. ...until it becomes your business several years down the road, when parents such as OP's (who have demonstrated a lack of financial maturity) may have few options but to turn to their children for help. OP, I asked my parents o...
by Loik098
Tue Jul 24, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Rotating Tires in Honda Odyssey
Replies: 15
Views: 1437

Re: Rotating Tires in Honda Odyssey

my owner's manual doesn't tell me how often to rotate my tires . It tells me to obey my Maintenance Minder. And I have no idea what that setting is. I could probably find it, but it's almost as if Honda doesn't want you to know, so you aren't tempted to work on your own car and instead pay big buck...
by Loik098
Mon Jul 23, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Rotating Tires in Honda Odyssey
Replies: 15
Views: 1437

Re: Rotating Tires in Honda Odyssey

My Honda Odyssey has 10K miles in 2 years. That's not something you hear very often. I have the same vehicle. In contrast to the advice given above, my owner's manual doesn't tell me how often to rotate my tires. It tells me to obey my Maintenance Minder. And I have no idea what that setting is. I ...
by Loik098
Mon Jul 23, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 35
Views: 4165

Re: Cell phone tip: block callers

I answer the calls, find out who is calling and sue for $3000 per call. Seems worth it to me... How much have you received In total well over 6 figures. Interesting. I believe that the max lawsuit allowed in small claims court per call is $500, or $1500 for intent. The trick is getting the telemark...
by Loik098
Sat Jul 21, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1586

Re: Suggestions About Simulating Homemade Chicken Stock

Trader Joe's Organic Chicken Stock.

Buying & using it would take less time than writing your post, which, by the way, belongs in a cooking forum.
by Loik098
Tue Jul 17, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 15
Views: 1287

Re: How do I find information on home security cameras that came with the house?

I recently got a new house. The builder pre-installed two security cameras on the exterior. Is this builder an independent operator, or part of a group? In my neighborhood, all of the homes were built by the same builder group. I can call that group and ask them questions about the build, such as f...
by Loik098
Mon Jul 16, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 25
Views: 3536

Re: Bored

Make sure you do routine maintenance on your house and vehicles, including appliances, HVAC, etc. Know the ages of your big items, how long they are expected to last, and the most common reason they fail. Have a plan in place for whether you would fix/replace each appliance, for example. Study about...
by Loik098
Thu Jul 12, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3431

Re: Bounced check

Your credit is affected when your payment is more than 30 days late....not until then. The most a payee can do is charge you a fee if you're still within that 30 day window.
by Loik098
Thu Jul 12, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2867

Re: Someone is using my cellphone number

I hope this is not fraud. What can I do to protect myself? Any suggestions that you think maybe helpful? What sort of fraud are you worried about, or what would you need protection from? Aside from attempting a takeover of your mobile account, what more could they do with your phone number? I would...
by Loik098
Thu Jul 12, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5712

Re: Is expensive olive oil worth it?

1) As a dressing? Maybe. Do some taste tests first before wasting your money. 2) To cook with? No. If you haven't noticed the taste of your oil until now, you won't notice it by changing, either. Contrary to the (recent) prevalence of TV chefs who do so, you should not be using EVOO to cook with, an...
by Loik098
Wed Jul 11, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5682

Re: Anyone take naps at work?

I'm not sure how asking what others do in their own work environments will help to directly answer whether you can/should nap at your own workplace. The way I see it, you have a few choices: outright ask your boss about his/her thoughts on the matter, fix the sleep issues at home, find a way to nap ...
by Loik098
Sat Jul 07, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 3875

Re: Whole Foods -- any drop in prices after Amazon takeover ?

If you have Prime, you should download the Whole Foods app on your phone so that you can view the deals at your local store before you go shopping. We mostly shop according to these "deals"....we don't usually use WF for anything other than milk, eggs, meat, and some produce, as it's too expensive. ...
by Loik098
Sat Jun 30, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1931

Re: Private Label Blackrock Index Funds?

I have the same, and no concern. Be thankful you have access to such low-fee CIT funds. As for my 401k: choices include a Blackrock 1000, a Blackrock 2000, a Blackrock International, and a Blackrock bond fund. The highest ER for any of them is 0.04%. I do have other funds from Blackrock available, b...
by Loik098
Fri Jun 29, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody Investing with 'Betterment'?
Replies: 15
Views: 1552

Re: Anybody Investing with 'Betterment'?

Is the goal of moving the cash to get the miles? Or, were you going to make this move regardless? If the goal is miles: I'd just apply for a credit card directly with Citi (and get more miles than 30k that way, anyway). If I already had previous AA cards with Citi, I'd barter for a 9-digit mailer f...
by Loik098
Fri Jun 29, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody Investing with 'Betterment'?
Replies: 15
Views: 1552

Re: Anybody Investing with 'Betterment'?

Is the goal of moving the cash to get the miles? Or, were you going to make this move regardless? If the goal is miles: I'd just apply for a credit card directly with Citi (and get more miles than 30k that way, anyway). If I already had previous AA cards with Citi, I'd barter for a 9-digit mailer fo...
by Loik098
Fri Jun 29, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7323

Re: What are you learning or studying?

1. Reading lots of parenting books and forums. A good way to find whatever answer you want to be true. 2. Youtube videos on various home and car projects. Same. Have a parenting audio book playing right now during commute, and a paperback from a different author at home for the evenings after work....
by Loik098
Wed Jun 27, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1606

Re: Planning for children

So it seems as though the near consensus is to get LTD insurance for myself and my wife and then look at a will and trust? Is a lawyer the route to go? Or have any of you done this on your own using one of the legal websites? Agree with other posters. I have a LTD through my employer so check that ...
by Loik098
Wed Jun 27, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Getting Facebook Messages from a Scammer - need ideas
Replies: 12
Views: 1361

Re: Getting Facebook Messages from a Scammer - need ideas

Not sure if you use your cellphone for messenger, but on mine, I can just long-finger-press on the message thread and a menu option pops up. The option at the very bottom of the list is "Block."

Also, remember that you do not need to have a Facebook account to use Messenger.
by Loik098
Tue Jun 26, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1606

Re: Planning for children

Agree with others:

1) Disability insurance
2) Max out retirement (you can't borrow for retirement, but you can for college)
by Loik098
Tue Jun 26, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6693

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Find happiness outside of work, and treat work for what it's become to you: a place to make money. Place no emotional stock in anyone or anything negative at work that you end up bringing home with you. Chances are good that your next job could just be more of the same. This is part of building emo...
by Loik098
Mon Jun 25, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6693

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

I could get another job very easily with my experience and connections, but Im afraid that the same thing will happen and I will be unhappy and want to quit. Then perhaps you shouldn't be tying your happiness to your work. If you continue to do so, chances are good that you'll never be happy, regar...
by Loik098
Mon Jun 25, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3157

Re: university admission issue

What should be done with screenshots? Send to the university? Also, I don't think the individual wants to pursue the legal angle. The person just wants the admission they thought they had or an alternative, like acceptance into next year's class. Thanks! Evidence of misleading information could be ...
by Loik098
Mon Jun 25, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3157

Re: university admission issue

rich wrote:
Mon Jun 25, 2018 9:31 pm
Also the website information was corrected after the acceptance was rescinded.
Was there any documentation kept from the time when the website was incorrect? Screenshots, emails, brochures?
by Loik098
Mon Jun 25, 2018 4:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Are Better in the Morning
Replies: 13
Views: 3054

Re: Bogleheads Are Better in the Morning

Aren't most old people? :D
by Loik098
Mon Jun 25, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Small loan by the way of 0% APR credit card
Replies: 20
Views: 1206

Re: Small loan by the way of 0% APR credit card

Sorry to hear about your son. Best wishes for a speedy recovery. Sounds like you know the risks. Just make sure the balance transfer option you pick has a $0 balance transfer fee and 0% APR for as long as you can find. Have a solid plan for paying it off before it comes due, and don't be tempted to ...
by Loik098
Mon Jun 25, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6693

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

I could get another job very easily with my experience and connections, but Im afraid that the same thing will happen and I will be unhappy and want to quit. Then perhaps you shouldn't be tying your happiness to your work. If you continue to do so, chances are good that you'll never be happy, regar...
by Loik098
Mon Jun 25, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Sudden appearance of multiple buyers real or negotiation tactic?
Replies: 61
Views: 4141

Re: Sudden appearance of multiple buyers real or negotiation tactic?

It should make no difference whether you received an email, a threatening phone call, a letter, news of competing offers, whatever. Submit your offer once, regardless of any noise. If it's accepted, great. If it's not, walk away. If you're asked if you want to alter your offer, submit the same one a...
by Loik098
Mon Jun 25, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Corolla
Replies: 39
Views: 2371

Re: 2007 Toyota Corolla

Wife's car is a 2010 Corolla, has only ~50,000 miles on it. We had to replace the cam gear around 42,000 miles once the car started making a metal scraping noise on startup. We were told by the mechanic that this is a common issue with that generation Corolla. The noise went away for awhile but now ...
by Loik098
Mon Jun 25, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4105

Re: House seller fudging disclosure re: buried oil tank?

Are you also the "police" on the road by ensuring others are obeying traffic laws? Do you go to a produce section at a grocery store and report rotting fruit to the manager? Do you confront owners of unleashed dogs at the park? Are you actively warning others of pricing ripoffs you find in life? I g...
by Loik098
Sat Jun 23, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 1772

Re: What do you include in your grocery budget?

No way am I separating out my consumables. Anything that touches the body, goes in it, or cleans up after it goes under "Grocery." Why? Because that's where it's all bought. Don't consider Costco or Walmart a grocery store? Simple: for budgeting purposes, change your mind. No one take separate, indi...
by Loik098
Fri Jun 22, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Find a new job or not (golden handcuffs, etc etc)
Replies: 11
Views: 1827

Re: Find a new job or not (golden handcuffs, etc etc)

30 years old, married, no kids (but probably in ~1-2 years Children have a way of changing perspectives. You may not want to work on side projects anymore if you suddenly think your'e becoming a workaholic father. Flexibility to travel for work could be gone. Wife's new job may interfere with some ...
by Loik098
Fri Jun 22, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 3018

Re: Complain or Negative Review for Rip-off Plumber?

The first plumber then fixed their mistake - however I never got an apology or any consideration for the five days (including a weekend) I did not have water to the house while I was trying to get estimates for the "second (non-existent) hole". Did you go above the plumber's head to ask for a parti...
by Loik098
Mon Jun 18, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Invest more or accelerate mortgage payoff?
Replies: 15
Views: 1057

Re: Invest more or accelerate mortgage payoff?

Wiki here: https://www.bogleheads.org/wiki/Emergency_fund

Build the emergency fund first, then decide where to put your extra money.
by Loik098
Mon Jun 18, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: BH way to celebrate a milestone anniversary?
Replies: 4
Views: 609

Re: BH way to celebrate a milestone anniversary?

To celebrate a milestone, I've never been a fan of watching movies or engaging in any activity in which you're both there, but not actually interacting with each other. You can do that any night of the week. I would prefer to use the time to talk and interact in order to celebrate. How about a walk ...
by Loik098
Sun Jun 17, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8735

Re: Which Supermarket are you?

1) Dry goods: Winco. Makes no sense to pay more for the exact same items at a name-brand grocery store like Raleys, Safeway, etc. 2) Produce: local farmer's market on Saturday mornings. Produce at grocery stores can never be as fresh (including Whole Paycheck). 3) Meat: Costco, Winco, or Sprouts.......