Search found 110 matches

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: 7887

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: 464

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: 2058

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: 1149

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: 3765

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: 7232

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: 2576

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: 4015

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: 73
Views: 6318

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: 489

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: 543

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: 543

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: 6377

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: 89
Views: 5814

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: 21060

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: 3468

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: 3616

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: 1749

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: 3892

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: 8071

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: 26638

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: 7451

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: 451
Views: 34846

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: 716

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: 6329

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: 1301

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: 2465

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: 1647

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: 2540

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: 4792

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: 9006

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: 1796

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: 1796

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: Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2965

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: Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2965

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: 3725

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: 97
Views: 10244

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: 42
Views: 4664

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: 6903

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: 2757

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: 2979

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: Personal Investments
Topic: Anyone have experience with Redneck bank?
Replies: 13
Views: 1969

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: Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 81
Views: 12740

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: 3773

Re: What’s the median income of Bogleheads?

This thread makes me feel poor.
by bh7785
Tue Jul 10, 2018 8:56 am
Forum: Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 81
Views: 12740

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: 1185

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: 238
Views: 44602

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: Personal Investments
Topic: Portfolio advice for 26 year old
Replies: 6
Views: 702

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: 4161

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.