Search found 129 matches

by bh7785
Tue Jan 21, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 333
Views: 70282

Re: What is your favorite consumer product?

bed of nails - as in an acupressure mat? tell us more about what it does for you? Yes, it is an acupressure mat. I first saw it in Costco for about $100 and then found it on Amazon for $20: "ProsourceFit Acupressure Mat and Pillow Set for Back/Neck Pain Relief and Muscle Relaxation" at https://www....
by bh7785
Tue Jan 21, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 133
Views: 11921

Re: to pre-nup or not?

Is there evidence that men in the US get the short end of the stick when it comes to divorce proceedings? Or is that just urban legend?
by bh7785
Fri Jan 17, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43493

Re: Engineers - What are you making?

This thread is depressing. You think you're doing well until you go and read posts on the internet. Damn. I feel like a lot of these "engineer" salaries and benefits are what the executives at smaller companies are making.
by bh7785
Fri Jan 17, 2020 10:24 am
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 248
Views: 15072

Re: How much to hold in international equities (VTIAX)?

Click on the Portfolio and Management tab on the webpage you linked. 36/(36+54) = 40% Vanguard Total Stock Market Index Fund Investor Shares 54.00% Vanguard Total International Stock Index Fund Investor Shares 36.00% Vanguard Total Bond Market II Index Fund Investor Shares** 7.10% Vanguard Total In...
by bh7785
Fri Jan 17, 2020 9:42 am
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 248
Views: 15072

Re: How much to hold in international equities (VTIAX)?

Most people here describe their international stock holdings as a percentage of the equity portion of their portfolio, not as a percentage of the total portfolio. The most frequent responses to the "how much" question are: 0% which is what Warren Buffet recommends (and which John Bogle has often ad...
by bh7785
Wed Jan 15, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software on a Mac?
Replies: 2
Views: 389

Re: Antivirus Software on a Mac?

Not needed, and probably causes more harm than good. As you said, just make sure your OS and browser are up to date, and you should be fine with safe browsing habits. As long as you aren't clicking on suspicious links from unscrupulous sources.
by bh7785
Wed Jan 08, 2020 3:05 pm
Forum: Personal Investments
Topic: Dividends not working how I thought they did.
Replies: 69
Views: 10476

Re: Dividends not working how I thought they did.

If I learned anything from this thread, it's that I don't understand money as well as I thought I did.

I'll just keep adding to VTIAX and VTSAX in my taxable account and hope that makes the most sense. (Already maxing my 401k and roth accounts and sticking with my desired AA)
by bh7785
Fri Dec 06, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88419

Re: Found hidden safe, should we crack?

We've all been masterfully trolled by the OP. Piqued our collective interest and then just up and disappeared.
by bh7785
Wed Dec 04, 2019 4:41 pm
Forum: Non-US Investing
Topic: Two portfolios at the same time?
Replies: 7
Views: 792

Re: Two portfolios at the same time?

Damn straight. I always wanted to do that, man. And I think if I were a millionaire I could hook that up.
by bh7785
Wed Dec 04, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that allow total solitude and are night jobs
Replies: 60
Views: 4482

Re: Jobs that allow total solitude and are night jobs

cheese_breath wrote:
Wed Dec 04, 2019 3:03 pm
Detroit Lions Superbowl trophy polisher.
I laughed.
by bh7785
Tue Dec 03, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Truck idling sound 4-5am nuisance
Replies: 18
Views: 1373

Re: Truck idling sound 4-5am nuisance

I like the dohm white noise machine for this sort of thing.
by bh7785
Mon Nov 18, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: AWD Camry
Replies: 52
Views: 6546

Re: AWD Camry

Good tires are worth so much more than AWD.
by bh7785
Mon Oct 28, 2019 8:33 am
Forum: Personal Investments
Topic: Extra $75k
Replies: 16
Views: 2487

Re: Extra $75k

I was in almost the same exact situation as you recently. I put half the money towards the new mortgage, and the other half into my taxable investing (401k and roth already maxed)
by bh7785
Tue Sep 10, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Which streaming tv subscription without logo image?
Replies: 14
Views: 1228

Re: Which streaming tv subscription without logo image?

I've tried all the streaming services, and YoutubeTV wins easily, by a long shot. Do I need to add a Roku player or do I just download from the LG App Store. How is this better than hulu live tv? I may try the free trial. Clearer, faster WiFi connection? You just need something that can do the YouT...
by bh7785
Mon Sep 09, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Streaming basic TV with DVR
Replies: 25
Views: 2427

Re: Streaming basic TV with DVR

YouTube TV and don't even look back. It's fantastic. There is a free trial.
by bh7785
Mon Sep 09, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Which streaming tv subscription without logo image?
Replies: 14
Views: 1228

Re: Which streaming tv subscription without logo image?

I've tried all the streaming services, and YoutubeTV wins easily, by a long shot.
by bh7785
Mon Sep 09, 2019 2:22 pm
Forum: Personal Investments
Topic: How to beat 2% safely?
Replies: 49
Views: 6399

Re: How to beat 2% safely?

If you go the mortgage pay down route, first take out a zero cost HELOC. You really don't care what the interest rate is because you don't plan to ever use it. It's free insurance. If you're too scared to pay down the mortgage, put $50k into a Redneck Bank Megamoney account. You have no hoops to ju...
by bh7785
Wed Aug 14, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 125
Views: 13482

Re: Apple Card

I tried to sign up for the card today, since it is free and I figured I would give it (and Apple Pay) a try.

When I go into the Wallet app on my (updated) iPhone, I am not able to see anything at all about Apple Card. I can only add existing cards of my own.
by bh7785
Mon Jul 22, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 10179

Re: C8 Corvette - who is buying?

No manual. That is a nonstarter for me. I absolutely love driving my manual with over 450 HP. These autos are simply about getting to sixty as fast as possible. . When even the Corvette can't get a manual, it is truly signaling the end of an era. I get that autos are more performant, but what about...
by bh7785
Mon Jul 15, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 11612

Re: Who cuts your hair? And for how much?

Started balding at about 25. Now I just take a 0.5 clipper guard to my whole head once a week
by bh7785
Mon Jul 01, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Need an inexpensive, reliable padlock
Replies: 10
Views: 559

Re: Need an inexpensive, reliable padlock

7eight9 wrote:
Mon Jul 01, 2019 8:46 am
Master Lock 175D. It should run you around $12 at a big box store or online.

Link --- https://www.masterlock.com/personal-use/product/175D
It's probably a fine lock for most uses, just be aware these things are "easily" bypassed

https://www.youtube.com/watch?v=bfDPtt-bnAI
by bh7785
Mon Jun 17, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: wood floors and general cleaning: steam?
Replies: 29
Views: 2363

Re: wood floors and general cleaning: steam?

ponyboy wrote:
Mon Jun 17, 2019 1:06 pm
Wet a rag, wipe the floor, done. Its not complicated.
This. Wood doesn't like being wet. Use sparingly.
by bh7785
Wed Jun 12, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Amazon Smile donations to John Bogle Foundation [and other charities]
Replies: 11
Views: 1324

Re: Amazon Smile donations to John Bogle Foundation

You have generated $28.94

Your current charity:
The Nature Conservancy
has received $3,046,719.90
by bh7785
Mon Jun 03, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 4167

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I use Firefox with built in tracking protection with Privacy Badger and Cookie Auto Delete. I use Safari in private mode for my random web browsing. I have tried the Brave browser, but it makes my Mac run super hot so I've abandoned it for now. Blue Man Ironically the exact opposite for me. I've be...
by bh7785
Wed May 29, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 8137

Re: $3k for teen club soccer

Youth sports have gotten completely out of control. My kid is 8 and some of these other parents are already putting pressure on their kids, yelling at them, etc. Absolutely bonkers, IMO. I suppose I’d consider it if my kid was really, really passionate and came to it on his own but that seems to be...
by bh7785
Mon May 20, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 2910

Re: Wiper blade replacement

I will add - I asked a question on BH forums a few years back about whether pricier 'premium' wiper blades were better than cheap ones that cost less than half the amount. Nobody seemed to have an opinion on it, so I went cheap on Amazon. That blade totally, utterly sucked. If anything, it was WORS...
by bh7785
Wed May 08, 2019 10:41 am
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 5104

Re: Voya financial - WHY WOULD ANYONE USE THEM?

My daughter has Voya in her small company 401K and I'm guessing all the fees are paid by the employee and they are doing it this way because it is easiest for the employer. The auto enroll fund was a target date fund with a 1.1% fee. The "best" option was a different target date fund at 0.6%. She d...
by bh7785
Tue Apr 30, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 14279

Re: out of network emergency visits. Huge bill!!!

It is a terrible situation OP, just keep fighting and hopefully they will cut you a break. I was in a bad mountain biking accident, separated my shoulder, broken fingers and a bad enough concussion that I was unconscious and later vomiting. Despite all of that I still refused an ambulance/911 (by a ...
by bh7785
Fri Jan 18, 2019 11:02 am
Forum: Personal Investments
Topic: Wife's 401k investment options are bad...options?
Replies: 11
Views: 529

Re: Wife's 401k investment options are bad...options?

Still better than the options available through my 401k. Our "cheapest" option is an index fund at 0.8%.
by bh7785
Thu Dec 20, 2018 4:05 pm
Forum: Personal Investments
Topic: Beginner's TLH question
Replies: 10
Views: 578

Re: Beginner's TLH question

dcr1984: Tax-loss harvesting can be simple or complex. I prefer simple: Simple: 1. In a taxable account exchange losing shares into a safe money-market fund. 2. After 30-days exchange back into the desired fund. Complex: https://www.bogleheads.org/wiki/Tax_loss_harvesting Best wishes. Taylor Taylor...
by bh7785
Thu Dec 20, 2018 2:26 pm
Forum: Personal Investments
Topic: Beginner's TLH question
Replies: 10
Views: 578

Re: Beginner's TLH question

I have a small taxable non-retirement account consisting of only Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX). Can someone provide a short how-to on the best way to do the tax-loss harvesting for this type of account (i.e. which specific vanguard fund would be best to switch into f...
by bh7785
Thu Dec 13, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 7098

Re: Should I buy a Tesla?

Yes you should.
by bh7785
Tue Dec 11, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 139
Views: 12283

Re: [Anyone drop cable for YouTube TV?]

Yes, it is excellent. Far better than standard settop boxes. I've tried all the other paid streaming services and found YouTube TV to be the best by a fair margin. Pretty sure you can still get a free trial before signing up, plus you can cancel at any time. No contracts.
by bh7785
Fri Nov 30, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 23603

Re: Bogle Sounds a Warning on Index Funds

The WSJ paywall has gotten pretty good. Now days there are several types of paywall. Cookie based paywalls often allow you to read a limited number of articles in a given time period. They track your usage based on cookies that are saved to your device in the browsers cache of cookies. Many of them...
by bh7785
Tue Nov 27, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: 23 years old 40K saved. What would you do?
Replies: 39
Views: 3608

Re: 23 years old 40K saved. What would you do?

23 year old me buy a new sports car. I don't think you should do that though.
by bh7785
Tue Nov 20, 2018 3:35 pm
Forum: Personal Investments
Topic: 35 Years old looking for advice!
Replies: 16
Views: 3791

Re: 35 Years old looking for advice!

We also do our company 401k through Principal, but our choices are simply abysmal compared to yours. I'm not going to list them all, but our target date retirement funds are about 1.3% ER Principal LifeTime 2065 R3 Fund (PLJCX) - 1.44% This is the lowest-costed fund available to us: LargeCap S&P 500...
by bh7785
Thu Oct 25, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Exotic Car Financing
Replies: 37
Views: 1884

Re: Exotic Car Financing

I'd venture a guess that you are underestimating the depreciation, but without knowing the car and mileage it is really hard to say. Seems like you've got it all thought out, so why not just go for it if that's what you want to do?
by bh7785
Wed Oct 24, 2018 1:24 pm
Forum: Personal Investments
Topic: 32M burned out from active investing
Replies: 28
Views: 4050

Re: 32M burned out from active investing

Sell everything and put it all in TSLA. Or index funds. Probably the index funds.
by bh7785
Mon Oct 22, 2018 1:58 pm
Forum: Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 8721

Re: For those who paid off house - how did you do it?

$200/mo extra towards principle since day 1. That alone basically cut the life of the loan in half. But then I also threw extra money at it once I found any amount building up in checking.
by bh7785
Mon Oct 22, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 28464

Re: PSA: Don't buy a big house

I wish you made this PSA a year ago before I purchased my oversized house.
by bh7785
Tue Oct 09, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 8024

Re: Got my new Iphone Xs

It's tempting to upgrade, but I think I'll hold on to my iPhone 6S for awhile longer. The new $29 battery was nice, and the phone still seems plenty responsive to me. I'm a pretty techy younger guy, just a cheapskate who finds it hard to justify the costs of these new phones. I miss the subsidized 2...
by bh7785
Mon Oct 08, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80530

Re: Talk me out of buying a Tesla Model 3

I have a hard time figuring out why the "performance" version costs 30 grand more. That seems really hard to justify. I too am interested in getting a Model 3, but I'd much rather wait 2-3 years and see how they hold up before making a decision.
by bh7785
Thu Oct 04, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: The Big Hack
Replies: 3
Views: 745

Re: The Big Hack

If the hardware is truly compromised on the device, then no, nothing is going to help. I don't believe this to be the case.
by bh7785
Tue Sep 25, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 7626

Re: How to buy a mattress

I also vote "keep the old one." We had ours for about 25 years and only got rid of it since we moved. We'd flip it around about once a year. As for the new one, I highly recommend Costco . Just find of the right size and take one from the top of the pile! We just bought a King size, $650. Feels gre...
by bh7785
Tue Sep 25, 2018 1:55 pm
Forum: Personal Investments
Topic: Novice question
Replies: 11
Views: 1429

Re: Novice question

First of all thank you all for the detailed responses in such a short time. Clearly it is an education for me and I appreciate your willingness to share opinions and ideas. The car story is I did sell a historic Ferrari, see: https://www.youtube.com/watch?v=ibqZCt5Snow https://www.youtube.com/watch...
by bh7785
Tue Sep 25, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2693

Re: How to watch baseball playoffs without cable

YouTube TV is great. We tried a couple of other streaming services when dropping cable a year or so ago. YTTV is by far the best of them. This is clearly the future of TV. However none of them have the full channel selection at this time. This. I've tried all the major streaming providers extensive...
by bh7785
Tue Aug 28, 2018 1:36 pm
Forum: Personal Investments
Topic: Need your advice , please
Replies: 12
Views: 1679

Re: Do I have it right

You could just put it all in the Vanguard Target Date Retirement fund and let them handle the balancing for you. That is a very small fee and you'll never have to worry about anything again.
by bh7785
Mon Aug 27, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2662

Re: Your Best Mood Boosting Books (not self-help)

I like science fiction. I like the fantasy element which usually gets me out of my current situation and engages my imagination. A lot of science fiction is about a main character or a team overcoming an obstacle. Examples: Ender's Game, the Martian, the Dune series (though that is quite heavy). En...
by bh7785
Mon Aug 27, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Man...opening a savings account with Ally is an arduous process.
Replies: 32
Views: 5596

Re: Man...opening a savings account with Ally is an arduous process.

I recently opened online accounts at both Redneck and Discover. Good rates (for 'emergency funds'), both were dead simple. Haven't had any issues with either and am happily earning 2% and 1.75% respectively.
by bh7785
Thu Aug 23, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 9507

Re: $65K Fun Daily Driver

You should definitely sell your 911...to me. :)