Search found 93 matches

by bh7785
Thu Oct 25, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Exotic Car Financing
Replies: 37
Views: 1673

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: Investing - Help with Personal Investments
Topic: 32M burned out from active investing
Replies: 28
Views: 3747

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: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7700

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: 25641

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: 6996

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: 295
Views: 19131

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: 685

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: 46
Views: 3420

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: Investing - Help with Personal Investments
Topic: Novice question
Replies: 11
Views: 1237

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: 2372

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: Investing - Help with Personal Investments
Topic: Need your advice , please
Replies: 12
Views: 1614

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: 2449

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: 3223

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: 8771

Re: $65K Fun Daily Driver

You should definitely sell your 911...to me. :)
by bh7785
Mon Aug 20, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1758

Re: Free Tire Change of Flat

AAA wrote:
Fri Aug 17, 2018 3:49 pm
carolinaman wrote:
Fri Aug 17, 2018 7:08 am
AAA will come to where your car is when you have a flat and change it for you.
No I won't. :wink:
:o :o
by bh7785
Fri Aug 17, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1758

Re: Free Tire Change of Flat

I wonder what AAA (or roadside assistance from insurance companies or credit cards, for that matter) does for cars that don't have a spare? My recollection is that perhaps one-third of all new cars don't come with a spare tire. One third? I find that hard to believe. Camry, Accord, F-150, Silverado...
by bh7785
Wed Aug 15, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2878

Re: 33 Male, how am I doing?

I cringe every time I hear a young man wanting to save for a down payment or go ahead and buy a house before finding a spouse. :oops: Your finances are fantastic for your position in life, consider improving health, happiness, emotional, family security. Finding the right mate may be the most impor...
by bh7785
Wed Aug 15, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2878

Re: 33 Male, how am I doing?

Looks like you're doing pretty good to me. I bought my first house on a $45k salary, I don't understand how people say they can't do it. I didn't have a lot of money leftover, but I wasn't living check to check either.
by bh7785
Wed Aug 15, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3539

Re: Best consumer products - made in USA

Darn Tough socks were life changing for me. Ok, maybe just switching to quality socks, but Darn Toughs are definitely my favorite by far!
by bh7785
Wed Aug 15, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7414

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

We've all been there. One of my best friend's was in the IT industry, making well over $100k annually while only working ~30 hours/week. He also felt it was soulcrushing, and after doing it for a number of years was able to save up a lot of money. 3 months ago he quit his job and moved to Japan to t...
by bh7785
Wed Aug 08, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 40
Views: 3397

Re: Has anyone taken out an online mortgage?

I went through Consumer Direct Mortgage (FirstBank). It wasn't too bad. Not as smooth as when I went through Bank of America previously.
by bh7785
Wed Aug 08, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6538

Re: are mccormick gourmet spices better

hello, are mccormick gourmet spices better than the regular mccormick spices? how about compare with simply organic? or 365 brand? i enjoy finding good spices to cook. but i am also curious why mccormick stock has gone up so much recently. thanks. Order online . Search for Penzy’s Spices. Wonderful...
by bh7785
Mon Aug 06, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2701

Re: Getting the stink out of synthetic shirts

What's the rationale for not using fabric softener? I've tried the white vinegar trick without success. My gym/soccer clothes still have the "perma-stink". I've noticed it's much more prevalent in the synthetic/blend shirts as you mentioned, as opposed to just cotton.
by bh7785
Mon Jul 30, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Use attorney or software for simple will
Replies: 35
Views: 2806

Re: Use attorney or software for simple will

I just made a free one online, but I have a VERY simple estate and not worth nearly as much as you. With those sort of assets I'd spend a little on getting a real will drafted through an attorney.
by bh7785
Wed Jul 18, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Redneck bank?
Replies: 13
Views: 1736

Re: Anyone have experience with Redneck bank?

I park my emergency funds in redneck. 2% is better than nothing, and the money is safe/liquid. And that silly ATM card...
by bh7785
Thu Jul 12, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 6154

Re: Where do you keep your Emergency Fund?

Redneck bank 2%, where bankin's funner.
by bh7785
Tue Jul 10, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3542

Re: What’s the median income of Bogleheads?

This thread makes me feel poor.
by bh7785
Tue Jul 10, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 6154

Re: Where do you keep your Emergency Fund?

VSBSX: Vanguard Admiral Short Term Treasury Index Fund. Right now the SEC Yield is 2.48%. Pardon my naivety, but the SEC Yield means that this fund will pay approximately 2.48% per year in dividends/interest, but this fund is still susceptible to the volatility of the market (its value could go up ...
by bh7785
Tue Jul 10, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: 1 month Brokered CD, at 1.8%, Why?
Replies: 9
Views: 1035

Re: 1 month Brokered CD, at 1.8%, Why?

Discover online savings account is 1.75%, and Redneck is 2%.
by bh7785
Mon Jul 09, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 220
Views: 38062

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

I perused the thread but am not seeing the answer to my question: How is this book different than Taylor's first book?
by bh7785
Mon Jul 09, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 26 year old
Replies: 6
Views: 666

Re: Portfolio advice for 26 year old

Without more information, how about Vanguard Target Retirement (2055?). You could save a little bit by choosing the funds yourself, but for 0.14% ER it's a heck of a deal. Set and forget, just keep contributing.
by bh7785
Tue Jul 03, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 30
Views: 3751

Re: Cordcutters - Playstation Vue

Try YoutubeTV. I think it is the best of all the other services (Vue, DirectTvNow, Sling) and is $40/mo. Really good cloudDVR with unlimited storage. But yeah, as streaming is starting to take over, the prices have been going up across the board.
by bh7785
Wed Jun 13, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1817

Re: Long-term gains and Tax Bracket

C) Other??? Is the order in which income is calculated irrelevant in the final calculation? Order very much DOES matter! I know this is not a realistic example and it leaves a lot of factors out of the equation. However, I hope it illustrates the crux of my issue. Is there any good reading on this ...
by bh7785
Wed Jun 13, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1817

Re: Long-term gains and Tax Bracket

Thank you all, this is exactly what I was looking for. I suspected the order of how the incomes were used was significant, but I couldn't find it in my searching.
by bh7785
Tue Jun 12, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1817

Long-term gains and Tax Bracket

Hi All, I've searched around but haven't been able to find an answer to my question. Perhaps I'm missing some core concept. I don't understand how specially-taxed income (eg Long term gains, Roth withdrawals) and normal income (eg a paycheck from work) are calculated within the tax bracket. Is the "...
by bh7785
Mon Jun 11, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 14498

Re: Best Advice You Never Took

Teague wrote:
Sun Jun 03, 2018 1:22 pm
Never get old.

-Advice given by my grandfather.
My Dad has given me this advice a few times over the course of my life. I really wish I had listened to him.
by bh7785
Mon Jun 11, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 14498

Re: Best Advice You Never Took

Exafchick wrote:
Fri Jun 01, 2018 2:28 pm
Not to marry my first husband...or second!
This made me chuckle. Are you now on your third? :D
by bh7785
Mon Jun 11, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: High expense ratios in Vanguard 401k
Replies: 16
Views: 1592

Re: High expense ratios in Vanguard 401k

It could always be worse. The lowest ER fund available in my company's 401k is 0.8%. And that's a large-cap index fund. The average fund cost is well over 1%
by bh7785
Thu Jun 07, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 9562

Re: Indexing will fail investors in next decade

triceratop wrote:
Thu Jun 07, 2018 11:36 am
Niels Jensen, author of The End of Indexing: Six structural mega-trends that threaten passive investing (Harriman House), is chief investment officer of London-based Absolute Return Partners LLP.
okay.
Haha! :sharebeer
by bh7785
Thu May 31, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: obtainable credit card for teen?
Replies: 8
Views: 586

Re: obtainable credit card for teen?

Plenty of options out there. Have a look at this

https://www.creditcards.com/no-credit/
by bh7785
Tue May 29, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for taxable account.
Replies: 4
Views: 463

Re: Recommendations for taxable account.

That said, I don't see a problem with you going 100% VTSMX in taxable, given the information you've provided
by bh7785
Tue May 29, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for taxable account.
Replies: 4
Views: 463

Re: Recommendations for taxable account.

I believe the general thinking is to put the most tax-efficient funds into a taxable account. Bonds are not considered to be tax-efficient.

You may want to reference this article for more information:

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by bh7785
Thu May 24, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 18114

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

You can split the difference if you wish and pay half the mortgage off and put the rest in your AA. This is what I did. I couldn't really decide between the two, so I just split it down the middle. It's been a year and I feel pretty good about that decision, no regrets. I was initially leaning towa...
by bh7785
Wed May 16, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9716

Re: Is there a boglehead muscle car?

Don't buy a v6 mustang, camaro, or charger/challenger. Aside from being boring to drive, it will be completely worthless in a few years where as the v8 version should retain value pretty well. Besides, everyone laughs at the guy driving a v6 camaro/mustang. Hahaha, so true! You guys are wrong. I th...
by bh7785
Wed May 16, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9716

Re: Is there a boglehead muscle car?

FlyAF wrote:
Mon May 14, 2018 8:46 am
Don't buy a v6 mustang, camaro, or charger/challenger. Aside from being boring to drive, it will be completely worthless in a few years where as the v8 version should retain value pretty well.

Besides, everyone laughs at the guy driving a v6 camaro/mustang.
Hahaha, so true!
by bh7785
Wed May 16, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth quitting my private-sector job and taking a government job so I can invest in the 457 account, too?
Replies: 15
Views: 1863

Re: Is it worth quitting my private-sector job and taking a government job so I can invest in the 457 account, too?

I endured 32 years in those golden handcuffs, reasons I did not leave were the pension, work hours, and time off. From what I know, the private sector would likely not have allowed me to work just the standard 40 hours per week, have those hours be 6:30 am - 3pm (so I was home before kids from scho...
by bh7785
Wed May 16, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5745

Re: New motorcycle rider

I stopped riding after the takeover of cell phones. Seems like most people are more interested in texting than watching the road. I had several close calls and decided to call it quits. It's just not worth the risk you take, sadly.
by bh7785
Thu May 10, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Keeping ones wits when things are chaotic
Replies: 12
Views: 1568

Re: Keeping ones wits when things are chaotic

Exercise and/or meditation work well for relieving stress.
by bh7785
Wed May 09, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2507

Re: Custom suit needed for a wedding. Help me shop around!!

Frankly I'm shocked to hear that Men's Warehouse should be avoided. I mean, George Zimmer himself guaranteed that you'd like the way you look.

I'm just getting in this thread because I don't own any suits and should probably get one. Interested in what could be had for not a lot of dollars.