Search found 118 matches

by h82goslw
Sun Dec 08, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Thank You Taylor Larimore
Replies: 23
Views: 4172

Re: Thank You Taylor Larimore

Thank you Taylor
by h82goslw
Tue Nov 26, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 3538

Re: Should The Dentist See Me On Every Visit?

Same dentist for a decade....he always stops in after the cleaning and checks out my mouth and talks for a few minutes.
by h82goslw
Mon Nov 25, 2019 7:41 pm
Forum: Personal Investments
Topic: several years of bond contributions only?
Replies: 16
Views: 1610

Re: several years of bond contributions only?

When livesoft posts I listen......and this is an issue I'm struggling with now too. I was taking the approach of OP, any new contributions (in SEP IRA) were going to bonds as I'm currently 80/20 and want to go to 70/30. Now I'm rethinking this. Thank you OP for starting this topic. ETA....thanks to ...
by h82goslw
Thu Oct 17, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 8001

Re: Why are Mazda CX-5’s sales so much less than other brands?

Thanks everyone for your helpful feedback. I never realized that Mazda was such a small manufacturer. Even though I posted positive links about the CX-5, I personally know people who have had and don’t like Mazda’s in general. The only reason I was looking into the CX-5 is because I was disappointe...
by h82goslw
Mon Oct 14, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 71
Views: 5846

Re: How often do you look at your IRA or 401K Balances

bhusa wrote:
Sun Oct 13, 2019 3:19 pm
If the market goes down, I don't look, sometimes for weeks. If the market goes up, usually once a day.
This is what I do.
by h82goslw
Sun Oct 13, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: How to prevent shoe creases?
Replies: 18
Views: 1992

Re: How to prevent shoe creases?

Sconie wrote:
Sun Oct 13, 2019 5:13 am
I guess I'd be surprised if----all things being equal----others are really assessing-judging you and your appearance based on whether or not there are creases in your leather shoes. Just my "two cents."
+1
by h82goslw
Sat Oct 12, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4835

Re: What workout equipment to get?

I have lots of equipment in my basement and have lifted weights for years. But since I found this website I feel even stronger. Workouts ranging from beginner to expert, with and without weights.

darebee.com
by h82goslw
Wed Aug 28, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 34
Views: 2498

Re: Your best deal from Craigslist

Sold my Nissan Altima with 200,000 miles, broken transmission, damaged front end, needing a new $1200 exhaust manifold for $1250 in less than an hour.
by h82goslw
Wed Aug 28, 2019 6:03 am
Forum: Investing - Theory, News & General
Topic: Is Fred Schwed the OG?
Replies: 6
Views: 884

Re: Is Fred Schwed the OG?

dodecahedron wrote:
Wed Aug 28, 2019 4:43 am
OG???

Original Guru?
OG= Original Gangster
by h82goslw
Tue Aug 27, 2019 4:27 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15448

Re: Best of Bogleheads - your #1 takeaway

There are many great things, but for me?

When there is an 800 point drop in the Dow I shrug and forget about it. I will forever be thankful for this website and all the great things I’ve learned. Thank you BHs
by h82goslw
Wed Aug 14, 2019 7:23 am
Forum: Investing - Theory, News & General
Topic: Treasury 2-10 year yield curve has inverted!
Replies: 115
Views: 11189

Re: Treasury 2-10 year yield curve has inverted!

And how is this thread actionable?
by h82goslw
Mon Aug 12, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 7230

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

We'd give up a free 5k worth of bonuses per year if we gave up CCs. So, I'll keep using them for that reason alone. Not to mention all the protections that are built in. Doesn’t churning credit cards to get the bonuses wreck your credit? Obviously not or you wouldn’t be doing it. But it seems your ...
by h82goslw
Fri Aug 02, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Active Retired Couple
Replies: 31
Views: 2252

Re: Used Car Recommendations for Active Retired Couple

Agree with 02.....AWD and 40 mpg are mutually exclusive.
Actually...everything he said is spot on.
by h82goslw
Thu Aug 01, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 11774

Re: A note on spending for kids

Nobody (except the participants' parents) are coming out to cheer for the mathbowl or debate team. Indeed. But 30 years later, the mathbowl kids are engineers, the debate kids are lawyers, and the football kids are taking out their job frustrations by pushing their own kids to be on the football te...
by h82goslw
Thu Aug 01, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 11774

Re: A note on spending for kids

Nobody (except the participants' parents) are coming out to cheer for the mathbowl or debate team. Indeed. But 30 years later, the mathbowl kids are engineers, the debate kids are lawyers, and the football kids are taking out their job frustrations by pushing their own kids to be on the football te...
by h82goslw
Thu Aug 01, 2019 6:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard Adviser Services
Replies: 11
Views: 1322

Re: Vanguard Adviser Services

Use Vanguard PAS to get started and watch how they manage your money. After about a year you’ll see it’s very, very simple and you can do the exact same thing (they literally do the 3 fund portfolio). Then cancel PAS and take care of it yourself from there. It’s what I did, which was the great advic...
by h82goslw
Wed Jul 31, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6999

Re: What's your Uber passenger rating?

4.38

I didn’t realize I was such an awful passenger!
by h82goslw
Wed Jul 31, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Car Repair Question
Replies: 29
Views: 2323

Re: Car Repair Question

Get the car to a local repair shop and stop going to the dealer. Your “Certified” warranty is only for power train items (internal engine/transmission failure). Nothing else is covered. I’ve read many reviews that those extended warranties are not worth the expense. You own a Toyota so there’s proba...
by h82goslw
Tue Jul 30, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Fun With Numbers—Why details count!!
Replies: 14
Views: 1804

Re: Fun With Numbers—Why details count!!

Thanks for doing this exercise.
Question 1: Just want to clarify....are you saying that after you ran the numbers the second time it was better to claim SS at 67?

Question 2: How did you run these numbers? FireCalc or some other online tool?
by h82goslw
Mon Jul 29, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Cost of 2nd kid?
Replies: 15
Views: 1524

Re: Cost of 2nd kid?

I'm curious to see if anyone has actually calculated what it costs to have a 2nd kid. My wife and I have a 9 month old with a 2nd baby on the way in January. I started running some rough estimations on additional costs throughout the years and at first glance, it seems much lower than expected. Sor...
by h82goslw
Sat Jul 27, 2019 5:38 am
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7610

Re: Long commute: how to manage?

20 plus years of spending 3 to 4 hours commuting daily to clients’ locations across 4 states. I have kept my sanity because of Howard Stern. YMMV
by h82goslw
Wed Jul 24, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid home nursing coverage at end of life
Replies: 24
Views: 1883

Re: Medicaid home nursing coverage at end of life

Thank you all for your responses. I have some work to do over the next couple of days.
by h82goslw
Tue Jul 23, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid home nursing coverage at end of life
Replies: 24
Views: 1883

Re: Medicaid home nursing coverage at end of life

delamer wrote:
Tue Jul 23, 2019 6:32 pm
Here is some information on hospice care under Medicare: https://www.medicare.gov/coverage/hospice-care
Thank you
by h82goslw
Tue Jul 23, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid home nursing coverage at end of life
Replies: 24
Views: 1883

Re: Medicaid home nursing coverage at end of life

DesertOasis wrote:
Tue Jul 23, 2019 7:25 pm
Yes there is. You want to check out the Medicaid Waiver Program for your particular state. The impetus for this program is that it's cheaper to keep a frail elder in their home than at a nursing home.
Will check this out. Thank you.
by h82goslw
Tue Jul 23, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid home nursing coverage at end of life
Replies: 24
Views: 1883

Re: Medicaid home nursing coverage at end of life

ResearchMed wrote:
Tue Jul 23, 2019 7:00 pm
Doesn't Medicaid cover this, if one doesn't have too much in assets/income?

RM
Will look into this. Thank you.
by h82goslw
Tue Jul 23, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid home nursing coverage at end of life
Replies: 24
Views: 1883

Re: Medicaid home nursing coverage at end of life

Dottie57 wrote:
Tue Jul 23, 2019 6:43 pm
Was Parent or spouse in the military.? There is some help availability.

Itis called Aid and Attendance.
No military service. Thanks for suggesting.
by h82goslw
Tue Jul 23, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid home nursing coverage at end of life
Replies: 24
Views: 1883

Medicaid home nursing coverage at end of life

Here are the facts of the situation: 93 year old parent at end of life (bed ridden, less than 20% heart function, sleeping 20 hours per day, but mentally still alert when awake). Parent has recently moved in with one of my siblings after living in senior apartment for 20 years. Sibling does not want...
by h82goslw
Tue Jul 23, 2019 5:59 am
Forum: Personal Investments
Topic: specific investments when market crashes
Replies: 38
Views: 4315

Re: specific investments when market crashes

I would do Roth conversions on some of the stock funds in a tIRA, putting them in Roth instead. The taxes on the Roth conversion will be a bargain compared to converting at almost any other time! PS. This is what I did in 2008. THIS!! Genious. I so wish I had done that in 2008. I was not working, w...
by h82goslw
Fri Jul 12, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 3422

Re: Should I Buy a Motorcycle?

There isn’t a week that goes by that I don’t hear of someone dying in an accident on their motorcycle in my area. I rode for years....last bike was a Busa and that thing was an animal. Got tired of reading about guys getting hit by people not paying attention while driving. I ride a 160hp Yamaha sno...
by h82goslw
Sun Jun 09, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 15498

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

JustinTime wrote:
Sun Jun 09, 2019 4:18 pm
Why did you keep doing it?
visualguy wrote:
Sun Jun 09, 2019 4:05 pm

I did it 3 times.
It’s a disease, a fun one.
by h82goslw
Sun Jun 09, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Car Top Carrier
Replies: 18
Views: 1476

Re: Car Top Carrier

I own a Toyota Rav 4. Next month, I need to transport some household items to a relative living 350 miles away. I will not be able to fit everything into the relatively small cargo area of the RAV4. I have never used a car top carrier before, but this vehicle came with a rack for a carrier. Any rec...
by h82goslw
Sun Jun 09, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 15498

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

I will second everything JackFFR said. Especially the part about waving the faster people by. Nothing is more emasculating (in the moment) than waving by a 95rwhp race prepped Miata while driving a 400rwhp Corvette Z06 at Watkins Glen. Of course I’d crush them on the straights but damn it if they we...
by h82goslw
Tue Apr 30, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Buying a hail-damaged car?
Replies: 42
Views: 2742

Re: Buying a hail-damaged car?

To answer OP's original question about the longevity of a hail damaged car....I bought a 2003 Nissan Altima brand new that was damaged in a massive hail storm when sitting in the factory parking lot. Got $6K off sticker and then drove the car for 5 years and 175K miles, then sold it on craigslist in...
by h82goslw
Fri Apr 19, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Dealership vs independent mechanics
Replies: 23
Views: 1802

Re: Dealership vs independent mechanics

I never, ever go to dealer after warranty expires, which now is a non-issue since I don't buy new cars any more. But had many bad experiences when I was buying them new. Fortunately I have a local mechanic who is the most honest person I've ever met. Had a few instances where I've brought one of my ...
by h82goslw
Mon Apr 15, 2019 11:59 am
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 5876

Re: Where to hold 2-3 years of living expenses

I'm three years away and after many years of saving I am slowly increasing my cash holdings in my taxable portfolio, tax deferred 401K, rollover IRA, and slightly in my Roth. I never see it being more than 10% (probably 2% now) and plan to have at least 3 years worth of cash to draw from when the d...
by h82goslw
Mon Mar 18, 2019 6:16 am
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 61
Views: 4502

Re: Calling Volvo and Audi owners! Reliabilty questions

Buddy of mine owns a 2014 Audi A6. I almost fell out of my chair when he told me that dealer was charging him $800 for new spark plugs.
by h82goslw
Tue Mar 12, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6688

Re: lawn care cost

I pay my teenage kid $20 per week to mow a half acre lot. He then has to use that money for anything he wants to do with friends/leisure....going to movies, buying junk food etc. When he runs out of money before the mowing is due, he knows he spent too much, and I never let him borrow money for that...
by h82goslw
Fri Feb 15, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Nissan Slate of SUV's
Replies: 16
Views: 1003

Re: Nissan Slate of SUV's

Don't forget about the Land Cruiser 8-) Aside from towing capacity, what would be the benefit of a Land Cruiser, as opposed to a Highlander or 4 Runner? The fact that you could bring 7 of your closest friends and drive through anything that mother nature throws at you. If off-roading is your thing ...
by h82goslw
Fri Feb 15, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Nissan Slate of SUV's
Replies: 16
Views: 1003

Re: Nissan Slate of SUV's

I'll echo a bit of what others have said....if you've owned Toyota and been happy, why jump ship? I love the looks of the 4Runner. OTOH.....I'm a huge NIssan fan. I currently own 2 Altimas and an Armada and they've all been great (over 550,000 miles between all 3). I will say my '07 Altima's CVT tra...
by h82goslw
Sun Feb 10, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 6828

Re: Recommendation for home gym (limited space)

When people tell me they have a home gym and exercise, I don't believe them. What a way to go through life. For 20 years I’ve had a full squat rack and weight bench, Olympic bar and plates, 20-70 pound dumbbells and a treadmill in the basement and used it all. Now my kids use the same equipment bec...
by h82goslw
Mon Feb 04, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Traveling to france may 11 days advice?
Replies: 24
Views: 1394

Re: Traveling to france may 11 days advice?

Just arrived home last week from my first trip to Paris. Will second most of what others have said above. We used metro everyday, very easy to get around. We stayed in first district...very centrally located to all the tourist stuff. Just about everyone speaks English, but definitely get in the habi...
by h82goslw
Sun Feb 03, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 5800

Re: Mazda Miata as Daily Commute Fun Car?

I wouldn’t want to commute that distance in a Miata. Put a Mk7 VW GTI Golf R on your short list. Fixed that for you. Once you've added a couple of options to the GTI, it's within a few grand of the Golf R, which only comes fully loaded. Plus way more power (292 vs. 228), plus AWD. Those last two bi...
by h82goslw
Sun Jan 20, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10791

Re: Who's flying?

Just went through security at Newark International. Literally 1 minute from the time I walked into the line to gettting my backpack after scanning. I thanked all those working.
by h82goslw
Thu Jan 03, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 101
Views: 12482

Re: Certified Used BMW, Audi or Mercedes

My buddy’s Audi A6 needed new spark plugs at 50K miles (one fouled and it was suggested that he replace all) . Dealer charged him over $800. For spark plugs.
by h82goslw
Thu Dec 27, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Maxing out my 199A Deduction
Replies: 6
Views: 574

Re: Maxing out my 199A Deduction

Posting to follow
by h82goslw
Thu Dec 20, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Driving from MA to FL - recommendations?
Replies: 30
Views: 2221

Re: Driving from MA to FL - recommendations?

The easiest thing to recommend is to avoid NYC and take the Tappan Zee bridge. Also avoid DC at anything near rush hour. If you’re coming south down NYS Thruway I-90, going over Tappan Zee will bring you in to the Bronx. I would avoid Tappan Zee and take Garden State Parkway to New Jersey Tpke (I-9...
by h82goslw
Thu Dec 20, 2018 7:14 am
Forum: Investing - Theory, News & General
Topic: "We have received 2243 new posts and replies over 273 topics in last day (sorted by Latest Reply)."
Replies: 10
Views: 2031

Re: "We have received 2243 new posts and replies over 273 topics in last day (sorted by Latest Reply)."

I don’t think a day goes by where I’m not on this forum reading and learning and thinking “thank you!” to Taylor, livesoft et al (and of course Jack Bogle) for how much you have literally made my life better.
by h82goslw
Thu Dec 13, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6991

Re: Early retirement mistakes???

Early retirement mistakes? Not that I retired early, but... Delaying home repairs such as carpet replacement, painting, appliance replacement (A/C, furnace), until the nth hour because I'm cheap and wanted to boost my savings for retirement. Because the other side of the coin is once retirement hit...
by h82goslw
Fri Dec 07, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 9150

Re: We Are Teetering on the Edge of A DEATH CROSS

I am INCREDIBLY thankful that I have found this website because if it wasn’t for the great folks like livesoft, Taylor, Rick Ferri etc. I would still have my money with an advisor charging me too much money and freaking out over this latest “crash”. I even chuckle at my coworkers who have been lamen...