Search found 14 matches

by ToastCrunchToast
Fri Oct 06, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4448

Re: Too much house? (nervous 1st time buyer)

Homeownership is usually a poor investment, financially - unless you are quite lucky. However, that's not always, or even usually, the reason folks want to own a home. It's the pleasure they take out of having something that is their own. If that's what you're after, and you're willing to take on th...
by ToastCrunchToast
Thu Aug 10, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 10403

Re: Has the "bond bubble" caused you to change your allocation?

Is there an asset class right now that someone, somewhere is not claiming to currently be in a bubble?

Besides, Greenspan should have zero or less credibility with anyone that has been following investing for 10 years or more.

This is Bogleheads. Choose your asset allocation, stay the course.
by ToastCrunchToast
Sun Jul 23, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 6185

Re: Why does State Farm have poor reviews?

We've never had any problems with State Farm on the claims side. The first local agent we got was incredibly rude, but switching agents and complaining to regional management solved that problem for us. All insurance is offputting to me. Insurance companies are gambling organizations that invite you...
by ToastCrunchToast
Wed Jun 28, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 4210

Re: Consumer Reports Renewal (or not?)

I'm also a disappointed subscriber to Consumer Reports. I really really want to support them. There is so much marketing sway in everything you read and see these days. Marketing firms aggressively target popular discussion boards and platforms like Reddit, Facebook and Yelp. So much that seems like...
by ToastCrunchToast
Sun Jun 25, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 5467

Re: Google Fi? pros/cons? anyone using it?

There are a lot of people here responding that don't actually subscribe to Google FI, which gets my spidey sense tingling. Anyhow, I have Google FI, and the pros for me outweigh the cons. It depends on your situation, though, and on what is important to you. I'm sure I'm forgetting something, but he...
by ToastCrunchToast
Fri Jun 23, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 8189

Re: Bogleheads: Please help me pick a new car

You may want to decide which type of car you want first. These are all very different choices, reflective of different needs. Do you want comfortable room for 4-5 passengers, with no need for much cargo room? Get a sedan. Don't even need that much room for passengers? Get a coupe or sportscar. Need ...
by ToastCrunchToast
Thu Jun 15, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: Is it safer to invest in gold or bond funds?
Replies: 30
Views: 2444

Re: Is it safer to invest in gold or bond funds?

I'm no expert, but I do see the commercials from very loud, untrustworthy people on television trying to convince people to buy into gold funds. These advertisements are running on programming that is not aimed at the sharpest knives in the collective American drawer, I'm afraid. This does not give ...
by ToastCrunchToast
Tue May 23, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 10348

Re: Which Small SUV for 15 Year Reliability?

These are all good options. FWIW, my 2014 Outback (45k miles) and my wife's 2010 Forester (140k miles) both run great and have been reasonably low-cost on maintenance. The Forester did have the gasket problem, which we had fixed at around 100k miles. That problem does not exist in newer models, howe...
by ToastCrunchToast
Tue Mar 28, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Should we take 0.9% auto financing?
Replies: 27
Views: 2559

Re: Should we take 0.9% auto financing?

Is there really no loan origination fee? Every time I've seen one of these "deals", they charge 1 to 2% of the vehicle cost simply for providing the loan.
by ToastCrunchToast
Wed Aug 31, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 111
Views: 9725

Re: Resigning from a job: best practices and advice?

I resigned from my technology company a month ago (to retire early). Most large tech companies have this policy: if you are taking a job with a "competitor", you WILL be escorted out of the building as soon as HR and your management chain is satisfied that you can be spared without further...
by ToastCrunchToast
Thu Aug 11, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Just Divide your age by 20 to get your WR.
Replies: 21
Views: 4892

Re: Just Divide your age by 20 to get your WR.

I actually find this really disturbing: What’s so great about this strategy? According to Inglis, it's “an easy-to-determine and remember guideline for those who do not have the time, expertise or inclination to do a lot of analysis.” Other strategies, by contrast, require too much thinking. For ins...
by ToastCrunchToast
Tue Aug 09, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard - why don't I 'feel' good about them?
Replies: 36
Views: 4334

Re: Vanguard - why don't I 'feel' good about them?

There's no doubt that Fidelity's website is significantly easier to navigate and use, and more pleasant to look at, than Vanguard's. As someone who has worked in the software industry for a long time, I can tell you that this very much can stir up a 'feel' -- sometimes conscious, sometimes not -- ab...
by ToastCrunchToast
Tue Jul 26, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 3531

Re: Gas grill recommendations please

We bought our Weber Genesis Silver B in 2003. We just replaced the grill set this spring. Other than that, no additional maintenance needed whatsoever, and it gets a lot of use. Among Webers sold these days, the Spirit E-310 looks to be quite similar.
by ToastCrunchToast
Mon Jul 25, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: firecalc - use negative spending for forecast growth?
Replies: 4
Views: 358

Re: firecalc - use negative spending for forecast growth?

Doesn't the "Not Retired?" tab give you what you're looking for?