Search found 182 matches

by h82goslw
Fri Jul 03, 2020 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax vs CPA
Replies: 14
Views: 1140

Re: Turbotax vs CPA

I’ve been back and forth on this for years. I’ve used the same CPA for 20 years and it gets expensive. I do work in 4 states and have to file in all of them....not sure if turbo tax can cover that? Agree with others here that you should try both and see if the numbers come out the same. I should pro...
by h82goslw
Mon Jun 29, 2020 7:02 am
Forum: Personal Consumer Issues
Topic: Need tips on buying a used car with a trade in
Replies: 20
Views: 990

Re: Need tips on buying a used car with a trade in

Take the offer of the online purchaser and be done with your old car if you don’t want the hassle of selling it yourself. Then go in and negotiate the purchase of the Armada as a separate transaction. I’d go with the dealer who’d let you return it after an inspection. I own a 2013 Armada Platinum (b...
by h82goslw
Wed Jun 24, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11394

Re: What is the single best piece of exercise equipment you bought for your home?

How is an electric bike a piece of exercise equipment? h82goslw, A) Instead of driving to the library, grocery store, and so on, it is faster and easier to get there with an electric bike. B) For older folks, it extends the range of biking. KlangFool I've ridden centuries (100 mile rides) with 80+ ...
by h82goslw
Wed Jun 24, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11394

Re: What is the single best piece of exercise equipment you bought for your home?

My electric bike. KlangFool How is an electric bike a piece of exercise equipment? h82goslw, A) Instead of driving to the library, grocery store, and so on, it is faster and easier to get there with an electric bike. B) For older folks, it extends the range of biking. KlangFool I've ridden centurie...
by h82goslw
Wed Jun 24, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11394

Re: What is the single best piece of exercise equipment you bought for your home?

KlangFool wrote:
Wed Jun 24, 2020 9:06 am
My electric bike.

KlangFool
How is an electric bike a piece of exercise equipment?
by h82goslw
Sat Jun 20, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 226
Views: 27434

Re: Please share some lifestyle creep you regret.

We used to have a bad habit of going out to dinner all the time. Although we love to cook, we were too lazy to cook. When we were going out, we were frequently disappointed especially by the higher end restaurants. They seem to charge four times what it cost to make it home, they didn’t make things...
by h82goslw
Sat Jun 20, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 226
Views: 27434

Re: Please share some lifestyle creep you regret.

On the other hand I’ve wanted a Corvette since 1960 (yes, for sixty years) and never bought one and never even drove one. But I still want one. Now I don’t think I ever shall. I’ve owned 2 Corvettes (and many other cars) and been on the track at Watkins Glen and Limerock. These cars are best bang f...
by h82goslw
Fri Jun 19, 2020 6:36 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 226
Views: 27434

Re: Please share some lifestyle creep you regret.

On the other hand I’ve wanted a Corvette since 1960 (yes, for sixty years) and never bought one and never even drove one. But I still want one. Now I don’t think I ever shall. I’ve owned 2 Corvettes (and many other cars) and been on the track at Watkins Glen and Limerock. These cars are best bang f...
by h82goslw
Wed Jun 17, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 299
Views: 39617

Re: Don't pay full price for SiriusXM radio

My subscription was up this week so went online last week planning on canceling as I’m not driving at all now and probably won’t be much until end of summer. Found chat box and told person I wanted to cancel...of course offered the 12 months for $60 and I declined. Then they offered 3 months for $.0...
by h82goslw
Sun Jun 14, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: OBD2 scanner?
Replies: 28
Views: 1694

Re: OBD2 scanner?

If you’re near an autozone or Advanced Auto they usually offer to plug in their scanner and let you know what the code is for free.
by h82goslw
Sat Jun 13, 2020 6:49 am
Forum: Personal Investments
Topic: How much has Bogleheads saved you?
Replies: 38
Views: 3187

Re: How much has Bogleheads saved you?

Bogleheads (and MMM) saved us from worrying about returning to work after an extended sabbatical. DH has decided on 2MY to make sure, and one or the other may well find a paying project down the road. But thanks to the internet, we have a long term plan, instead of "run away for a few years and hop...
by h82goslw
Sat Jun 06, 2020 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Pet (health/vet) insurance...
Replies: 26
Views: 1431

Re: Pet (health/vet) insurance...

A medium four-figure vet bill would be cause for euthanizing. We've made our peace with that. My Golden Retriever had a $5300 knee operation in January and requires the same surgery on the opposing knee later this year, for another $5300. Everyone in my family, including the two kids that I pay for...
by h82goslw
Thu Jun 04, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: Used cars
Replies: 45
Views: 4352

Re: Used cars

Hertz is selling their 2020 Corollas for about $15K and around 20K miles. I’m debating between that and 2018 Civic (off lease) around same price for my kid.
by h82goslw
Thu Jun 04, 2020 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 295
Views: 20718

Re: Optimizing PPP Forgiveness

This is what I just read....

Under the proposal, small businesses would have to spend 60% of the loan money on payroll instead of the previous 75%. They could use the funds for six months, a change from two months.
by h82goslw
Wed Jun 03, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: The Pros and Cons of sitting on an iPhone 11 Pro
Replies: 41
Views: 3157

Re: The Pros and Cons of sitting on an iPhone 11 Pro

Luke Duke wrote:
Thu May 28, 2020 12:44 pm
atikovi wrote:
Thu May 28, 2020 6:38 am
Not familiar with iphones but can't you get a belt clip for them, or find a universal clip that clips to your pant's waistband?
You'll also need to carry some kind of weapon if you go this route so you can fight off all of the ladies.
:D :D Excellent post
by h82goslw
Sat May 30, 2020 6:21 am
Forum: Personal Finance (Not Investing)
Topic: CARES Act for college students?
Replies: 5
Views: 371

Re: CARES Act for college students?

I have 2 in college and have been waiting for both of those colleges to notify them about CARES Act. Half of the funding received by the colleges is supposed to go directly to students. We’ve heard nothing so far.
by h82goslw
Thu May 28, 2020 7:18 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan Forgiveness for a single, self-employed independent contractor - How to do it?
Replies: 2
Views: 302

Re: PPP Loan Forgiveness for a single, self-employed independent contractor - How to do it?

Several of us are in your situation. Read through this thread to get an idea. Of course much is still in flux.

viewtopic.php?f=2&t=312317
by h82goslw
Wed May 27, 2020 5:58 am
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11293

Re: The "Best of" for Aldi?

I have a severe gluten allergy and they have a pretty good line up of gluten free foods that taste good too, with the exception of their gluten free breads.
by h82goslw
Thu May 21, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: SBA webinars regarding PPP loan forgiveness
Replies: 21
Views: 1217

Re: SBA webinars regarding PPP loan forgiveness

Anyone know if SBA is doing more of these webinars? Webinar schedule for the coming week. https://www.sba.gov/sites/default/files/resource_files/SBA_Houston_Webinar_Schedule_May_18-22.pdf Thanks for posting Allan. Just listened to today’s webinar. Mostly focused on applying but good info on forgive...
by h82goslw
Mon May 18, 2020 5:36 pm
Forum: Personal Investments
Topic: Holding cash the right choice?
Replies: 17
Views: 2448

Re: Holding cash the right choice?

Having the equivalent of one year of expenses in a savings account seems very reasonable. I know others who don't have an emergency fund and instead consider the Roth IRA as an emergency fund but I prefer to keep those two pots of money separate. I'm on board with the 1 year of expenses in a saving...
by h82goslw
Sun May 17, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: SBA webinars regarding PPP loan forgiveness
Replies: 21
Views: 1217

Re: SBA webinars regarding PPP loan forgiveness

Anyone know if SBA is doing more of these webinars?
by h82goslw
Thu May 14, 2020 6:29 am
Forum: Personal Consumer Issues
Topic: Lexus 2018 recall
Replies: 16
Views: 1129

Re: Lexus 2018 recall

Really? Replace the whole car for an $80 fuel pump? Some of us waited 2 years to have our Takata air bags replaced. I'm still waiting for ABS module parts for my Fusion. I'm still driving the car. I dont understand. Are you angry with ME for wanting to be able to drive my car that i have paid for t...
by h82goslw
Wed May 13, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Small businesses stopping employees from getting Pandemic payments?
Replies: 54
Views: 3382

Re: Small businesses stopping employees from getting Pandemic payments?

The employer has said they are considering opening up the store again in a week or two (how this is feasible is beyond me given that New York state is officially not scheduled to open up again until after June 6th). Can’t help with the advice you want to give but I can tell you that 4 counties in t...
by h82goslw
Wed May 13, 2020 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9692

Re: Turning 30. Living 30s without regrets

hammond wrote:
Tue May 12, 2020 9:32 pm
I am currently heavily focussed on climbing the career ladder in my megacorp. I want to get to a principal engineer designation which very few people get to in my megacorp.
So let’s say you get to that position....then what?
by h82goslw
Sun May 10, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3263

Re: Is it worth buying an infant car seat for each car.

Cost of a car seat we bought was $190. Just get a second seat off Craigslist for $20-$50. I’m as cheap as the day is long....and I would never suggest this. You have no idea what has happened or where that car seat was on Craigslist. Seats have a finite life and if it was in an accident then it’s n...
by h82goslw
Sun May 10, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: A Tsunami of Unsolicited Stupidity
Replies: 12
Views: 2996

Re: A Tsunami of Unsolicited Stupidity

Mark the emails as spam and then any future emails will be sent directly to spam folder
by h82goslw
Fri May 08, 2020 8:53 am
Forum: Investing - Theory, News & General
Topic: [Investment strategy from this point forward]
Replies: 50
Views: 2157

Re: Coronavirus economy

striker79 wrote:
Thu May 07, 2020 12:12 pm
This is not rocket science.
If this is the case, why did you start this thread?
by h82goslw
Wed May 06, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 295
Views: 20718

Re: Optimizing PPP Forgiveness

I am a sole proprietor, independent contractor, with only a single checking account. I don't have a separate business account because I simply track expenses by throwing the receipts in a manilla folder until the end of the year. I qualified for the PPP loan itself with a schedule C. I don't know o...
by h82goslw
Wed Apr 29, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: Which Bonds when the S&P 500 Tanks
Replies: 82
Views: 6295

Re: Which Bonds when the S&P 500 Tanks

So I’ll ask this question again to Kevin, Willthrill et al;

Are you saying that in a 75/25 asset allocation the 25% bond allocation be all in VLGSX to benefit from the better LTT performance?
by h82goslw
Wed Apr 29, 2020 12:38 pm
Forum: Investing - Theory, News & General
Topic: Which Bonds when the S&P 500 Tanks
Replies: 82
Views: 6295

Re: Which Bonds when the S&P 500 Tanks

So Will, just to clarify, if I’m 75/25 you’re saying I should have my 25 of bonds entirely in VLGSX?
by h82goslw
Tue Apr 28, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 295
Views: 20718

Re: Optimizing PPP Forgiveness

TTT

Any new thoughts?
by h82goslw
Sun Apr 26, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3365

Re: Have you tracked spending during quarantine?

stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Gluten free? I have to buy all gluten free food due to an allergy and a loaf of bread is minimum $6, often more.
by h82goslw
Sun Apr 26, 2020 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Expert Consultant: $110 / hr??
Replies: 70
Views: 6539

Re: Expert Consultant: $110 / hr??

Does the fact that their initial offer was such a low ball offer make you wonder if this company is worth doing business with?
by h82goslw
Sat Apr 25, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3501

Re: Unable to Order Work Out Equipment

Thank you everyone for your replies. Pretty much what I thought. Looks like for the time being I' going to have to continue with my push-ups, sit-ups, planks and body weight squats. And a long bike ride almost every day. darebee.com is the single best site for body weight exercises. There are liter...
by h82goslw
Thu Apr 23, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Merchant &/or consumer related concessions in these times?
Replies: 1
Views: 101

Re: Merchant &/or consumer related concessions in these times?

Gift cards should never expire as they’re treated as cash. Are you sure the ones you have have an expiration date?
by h82goslw
Sun Apr 19, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus check - Help?!
Replies: 17
Views: 2128

Re: Stimulus check - Help?!

I’ve read some posts on here that folks in same boat as you have had to repeatedly try to enter their info when seeing the same error message. After several tries there appears to be some success. Keep trying.
by h82goslw
Sun Apr 19, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: 529 Plan for a Spouse
Replies: 7
Views: 374

Re: 529 Plan for a Spouse

My response has nothing to do with 529 and everything to do with job choice. Is your wife absolutely sure she wants this profession and has she done any type of work remotely close to nursing? I ask because my kid wanted to be a Physician Assistant (job shadowed thrice before going off to college) a...
by h82goslw
Fri Apr 17, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 4996

Re: Advise what to do after receiving email from Hacker trying to extort money

This is a current scam. They found your wife's password in a password dump. They don't have any actual sensitive information nor did they install anything on your laptop. Just ignore it. https://nakedsecurity.sophos.com/2018/07/13/sextortion-scam-knows-your-password-but-dont-fall-for-it/ Exactly. M...
by h82goslw
Wed Apr 15, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7678

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Was put on a waiting list by a big bank since 10 days . Did not receive even an application. My accountant directed me to a trust and I contacted them on 4/14 and they sent me the application which I completed and they submitted to SBA same day I just heard from them my loan got approved today - 4/...
by h82goslw
Sat Apr 04, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20704

Re: What are you doing for haircuts due to coronavirus shutdown?

ADAMNOGGI wrote:
Sat Apr 04, 2020 8:29 am
Turbo29 wrote:
Fri Apr 03, 2020 9:07 pm
Have been using a Wahl clipper for ~10yr no comb, just the blade guard set as close as I can get it. Do it once a week.
Me too - with what is still there.
Same here but still have a full head of hair...I prefer the extreme short cut.
by h82goslw
Sat Apr 04, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5989

Re: How are you exercising with gym closures

I have a Sole treadmill and olympic weight set with bench and dumbbells in my basement. It’s enough. We’ve been considering a Sole treadmill. We have asthma (exercise-induced and allergic) and sometimes need to stay indoors. Which model do you have, and what do you feel are its pros and cons? I hav...
by h82goslw
Sun Mar 29, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: LG dishwasher broke again! Advice..
Replies: 25
Views: 1197

Re: LG dishwasher broke again! Advice..

Interesting that the CR listing posted by tech001 above lists Bosch at the top at 88 and Miele in mid 70s. I’ve had a Bosch for about 10 years purchased from Home Depot and it’s soon time to replace it.
by h82goslw
Sat Mar 28, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 2021

Re: Chewy pet food delivery

Ordered online Sunday. Was told it would be 7-10 day arrival time. It came today (Saturday).
Usually I get next day shipping.
by h82goslw
Wed Feb 26, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: Novice high income invester- leveraged ETFs
Replies: 56
Views: 3901

Re: Novice high income invester- leveraged ETFs

I have no clue how options/futures LEAPs/Leveraged ETFs work. I save about $200,000 - 300,000 a year, should i utilize some of the strategies (UPRO/TMF vs NTSX) that some financially savvy investors here use? Or should I stick to my vanilla three-fund portfolio and continue on my journey? I am not ...
by h82goslw
Wed Feb 19, 2020 4:28 pm
Forum: Investing - Theory, News & General
Topic: Odd Lots: Why Passive Investing Might Be Distorting The Market (Podcast)
Replies: 38
Views: 3730

Re: Odd Lots: Why Passive Investing Might Be Distorting The Market (Podcast)

Says a hedge fund manager whose livelihood depends on people avoiding index funds. Wake me up when 80-90% of the equity market is indexed, and we can have a debate about at what level price discovery would break down. So this makes me wonder....what percentage of the equity market is indexed now? W...
by h82goslw
Fri Feb 14, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1511

Re: Car making noise at idle

My guess is broken motor mounts. Pretty easy to test for. Open the hood put your face near the engine. Apply full throttle in park. If you are smacked in the face and tattoed with the automaker's logo or decapitated, suspect broken motor mounts. There are probably safer methods, but you get the ide...
by h82goslw
Wed Feb 12, 2020 8:01 pm
Forum: Investing - Theory, News & General
Topic: Hedonic Clock
Replies: 94
Views: 8146

Re: Hedonic Clock

And we did Peru, the Sacred Valley and Machu Picchu 2 years ago. Hiked, mountain biked and rode horses all around Olantaytumbo (incredible trip) and other places in the Valley including 2-day 25 mile overnight backpacking trip . Daughter and I did a backpacker-style trip from Cuzco to Lake Titicaca...
by h82goslw
Sat Feb 08, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6935

Re: The annual "Boglehead considering a country club" thread

For that price I’d wait 3 years, get a GTR and call it a day This is the winning post! :D OP.....wait until your baby is born. You have no idea what it’s like having newborn. And as another poster said, whatever your wife is saying now, it will definitely be different when she’s been up 24 hours st...