Search found 1850 matches

by Alexa9
Sat Jan 26, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Regretting home purchase and move - advice needed
Replies: 21
Views: 3158

Re: Regretting home purchase and move - advice needed

Make the most of it now until you decide to move again and make sure it's the right move next time. Make a list of what is most/least important to you and try to improve your situation as much as you can now.
by Alexa9
Sat Jan 26, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Amazon marketplace delivery problem: who is to blame?
Replies: 11
Views: 966

Re: Amazon marketplace delivery problem: who is to blame?

Interesting situation. I find it also interesting that Amazon can't be rated as a seller. I would tend to agree with the seller in this case. If it never arrived it is probably the delivery service's fault rather than Amazon or the seller. I had a similar situation on eBay where the seller never shi...
by Alexa9
Sat Jan 26, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Car maintenance - dealer or independent shop?
Replies: 51
Views: 2686

Re: Car maintenance - dealer or independent shop?

Some dealers try to sell you more than you need. 15k/30k mile service "packages" that are $150 up to $500 dollars. Know what maintenance is really needed. For oil changes, tire rotations, service bulletins, and under warranty issues the dealer is usually fine. They also have wifi and some offer a lo...
by Alexa9
Fri Jan 25, 2019 3:20 pm
Forum: Personal Investments
Topic: Helping Kids with Home Purchase
Replies: 77
Views: 5857

Re: Helping Kids with Home Purchase

I would avoid co signing. Instead, consider gifting them whatever you feel appropriate towards a down payment.
by Alexa9
Fri Jan 25, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard stole $0.01?
Replies: 80
Views: 5731

Re: Vanguard stole $0.01?

It’s kind of like the penny jar at a gas station. Sometimes you leave a penny, sometimes you take one but it all averages out.
by Alexa9
Fri Jan 25, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: New Home Computer of Some Kind
Replies: 40
Views: 2190

Re: New Home Computer of Some Kind

I would recommend www.pcpartpicker.com and building a PC or having someone local assemble it for less than $100. You’ll save a lot on components. If you’re not gaming though any modern PC will be great and way better than your old one. If building a PC sounds too much, an Intel NUC is an excellent s...
by Alexa9
Fri Jan 25, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Is Cirque du Soleil worth it?
Replies: 33
Views: 2365

Re: Is Cirque du Soleil worth it?

Very subjective. I've heard people rave about it or say it's overrated depending on their tastes.
by Alexa9
Thu Jan 24, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife
Replies: 65
Views: 2692

Re: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife

Tons of MVNO's that are way cheaper than the major carriers. Cricket, Republic, Straight Talk, Boost etc.
by Alexa9
Thu Jan 24, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating DayCare Fees
Replies: 70
Views: 3694

Re: Negotiating DayCare Fees

At that price, you might consider an au pair.
by Alexa9
Thu Jan 24, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Choose a mandatory high school class
Replies: 3
Views: 316

Re: Choose a mandatory high school class

Personal Finance & Investing obviously!
Basic Cooking is something everyone should know how to do.
I'd have to disagree with woodshop. Very niche hobby.
by Alexa9
Wed Jan 23, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 25400

Re: What lifestyle creep made you happier?

It's good to have nice things for the hobbies that I actually use a lot. Home Gym: weight rack, barbell, bumper plates, cardio machines Electronics: laptop, desktop, smartphone, surround sound stereo / home theater, headphones, DSLR camera Vacation: rarely take one but when I do I like to go all out...
by Alexa9
Wed Jan 23, 2019 4:10 pm
Forum: Personal Investments
Topic: Do bonds belong in a Roth IRA
Replies: 11
Views: 1008

Re: Do bonds belong in a Roth IRA

Roth dollars are worth more. You could argue that maximum growth potential assets belongs there. However, you probably still want some bonds to rebalance in a severe downturn. If you're in or close to retirement, you also probably want a significant allocation to bonds in your IRA to minimize risk. ...
by Alexa9
Wed Jan 23, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Headphones for a noisy/annoying office setting?
Replies: 16
Views: 886

Re: Headphones for a noisy/annoying office setting?

Another option is to wear hearing protection earmuffs over earbud headphones.
by Alexa9
Wed Jan 23, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Headphones for a noisy/annoying office setting?
Replies: 16
Views: 886

Re: Headphones for a noisy/annoying office setting?

If you really want to block noise, they make hearing protection for lawn mowing/shooting with a headphone jack to plug into your computer or smartphone. I am in the market for these as well as I am not a fan of active noise cancelling. https://www.amazon.com/Howard-Leight-Honeywell-Earmuff-1030110/d...
by Alexa9
Wed Jan 23, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Is there ever a smart time to trade a vehicle ?
Replies: 15
Views: 870

Re: Is there ever a smart time to trade a vehicle ?

Trucks hold their value very well. I wouldn't trade it in and I wouldn't sell it until it's well over 10 years old, 100k miles. Then sell it private party. Financially it makes sense to drive a car as long as possible. Buying a new car every few years is about as bad as leasing.
by Alexa9
Tue Jan 22, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 16003

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

This is what I’ve seen, it is just too much. “Favorite” child getting everything. Siblings that feel entitled that they are owed something. Mess of accounts with poor records and a hoarder with greedy siblings. Much older parent remarried. Changes will frequently depending on mood. Do poor relatives...
by Alexa9
Tue Jan 22, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 70
Views: 3633

Re: Recommendation for pickup truck?

1. F-150
2. Silverado/Sierra
If he drives a lot, I'd get an older one with low miles. If he doesn't drive a lot, I'd get a newer one with higher miles. I would somewhat low ball craigslist ads. People want too much for used vehicles, especially trucks.
by Alexa9
Mon Jan 21, 2019 6:36 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 4727

Re: One Fund to Rule Them All

That would be very volatile but it's fine if you're okay with that. I would use Lifestrategy Growth / Moderate Growth at age 40 or Target Date 2060.
by Alexa9
Mon Jan 21, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Dentist fees
Replies: 70
Views: 4539

Re: Dentist fees

This sounds typical to me. Good dental work is worth it. Next time make sure it’s clear what’s covered beforehand and what it costs. You could complain to the insurance I suppose or your employer.
by Alexa9
Mon Jan 21, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9175

Re: Grocery shopping strategy

You can overanalyze it. I would go to the place that you like the most. This is a combination of factors: distance, price, quality, cleanliness, employees, etc. I go to a couple stores that are very close because they're convenient. It's more expensive but it's also empty because of that which I lik...
by Alexa9
Sun Jan 20, 2019 6:43 pm
Forum: Personal Investments
Topic: Beginning investing late at 50 years old
Replies: 6
Views: 1490

Re: Beginning investing late at 50 years old

You can invest $6,000 ($5,000 depending on when you turned 50) per year for last year (until April 15)and $7,000 per year in a Roth IRA this year and going forward (catch up bonus $1,000 per year since you're 50+). Then I would look into work retirement plan (401k, etc.) or Solo 401k if it's your ow...
by Alexa9
Sun Jan 20, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 24
Views: 2584

Re: Negotiating for CPO Toyota or Honda

The 2019 RAV-4 is just a month old. Might consider a Mazda or Hyundai if you're looking to save. Toyota/Honda are top sellers and dealers don't seem to negotiate as much. Agree that the 2018 RAV-4 should be much more negotiable although the styling and technology is dated. I think the 2019 should ha...
by Alexa9
Sun Jan 20, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 28
Views: 1986

Re: Looking for old school CD player & bookshelf stereo

I would skip any dated player and use a computer (desktop/laptop) to rip the CD's (for them if necessary) to iTunes. Most radio stations can be accessed online as well. They probably already have a computer, tablet, or smartphone. Then I would get these computer speakers: https://www.amazon.com/Edif...
by Alexa9
Sat Jan 19, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Cleaning up Facebook feed for elderly relative
Replies: 12
Views: 2290

Re: Cleaning up Facebook feed for elderly relative

I think you can create a group for close friends or hide acquaintances. Ublock Origin or similar adblocker might block the spam.
by Alexa9
Sat Jan 19, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Ford F-series pickup with 4x4 and 4 doors?
Replies: 31
Views: 2134

Re: Ford F-series pickup with 4x4 and 4 doors?

Since your user name is Jeep4Life, maybe you can wait for the 2020 Jeep Gladiator:

Image
by Alexa9
Fri Jan 18, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2120

Re: Curry Powder?

6 C's + Turmeric: Cumin, Cayenne, Cardamom, Cinnamon, Coriander, Clove, Turmeric
by Alexa9
Fri Jan 18, 2019 2:58 pm
Forum: Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 49
Views: 5126

Re: Should I dump our wealth planner/financial advisor?

If you're going to get advice, pay by the hour so you know what you're getting and what you're paying. Paying a percentage of your assets should be outlawed. Just because someone got a certificate in things that are widely available for free and puts on a suit does not mean they are worth paying 1% ...
by Alexa9
Fri Jan 18, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Refurbished iPhones from Amazon
Replies: 23
Views: 2063

Re: Refurbished iPhones from Amazon

If you use a highly rated seller, it's fine. Check the battery health and fully test it within the return period. Usually much cheaper than Apple Refurbished. I had one that was listed as Like New and the volume button stuck but they refunded me quickly. You might try eBay too, they are often lower ...
by Alexa9
Fri Jan 18, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 51
Views: 3309

Re: Best Credit Card for International Travel

If you have Amazon Prime or Costco, their cards have no FTF although there is a membership fee.
BOA Travel Rewards card has no FTF and no annual fee. Visa Signature with 0% APR for 12 months and 25k sign up bonus.
by Alexa9
Thu Jan 17, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2911

Re: What shelf liquor and your favorite cocktails?

Dark 'N Stormy: Goslings Dark Rum + Goslings Ginger Beer + Lime Gin 'N Tonic: Bombay Sapphire or Gordon's + Schweppes Tonic Water + Lime Skinny "Witch": Mango/Lime/Grapefruit/Watermelon Waterloo Soda Water + Bacardi Silver + Lime Martini: Hendrick's or Botanist Gin + Olive w/ Trader Joe's Stilton Ch...
by Alexa9
Thu Jan 17, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50286

Re: John Bogle has died at age 89

Bogle was far ahead of his time and a revolutionary thinker. He dramatically changed the financial industry for the better for the benefit of everyone.
by Alexa9
Thu Jan 17, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Thoughts on Jordan Peterson books/videos?
Replies: 4
Views: 741

Re: Thoughts on Jordan Peterson books/videos?

He seems overconfident in his claims to say the least although he is amusing/controversial. I've seen enough of him on Youtube to not buy his books, but he may appeal to your views. Like a stereotypical psychologist he is good at pointing out the flaws in others but not himself.
by Alexa9
Wed Jan 16, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3923

Re: Fun with Amazon

They’re expanding faster than they can keep up. I still find them much more convenient than driving to the store for most things. Although I do cross shop with eBay, Best Buy, Costco, and Walmart more often now.
by Alexa9
Wed Jan 16, 2019 11:06 am
Forum: Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 8454

Re: 100% in VTSAX - Is it crazy???

It's fine, 20% bonds is often recommended as similar returns with lower volatility. When you get closer to retirement, you will rethink this allocation but it's fine until probably age 50 if you understand the risk.
by Alexa9
Wed Jan 16, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11596

Re: Are You Dumping Netflix?

I find there is nothing I am interested in watching on Cable, Netflix, Amazon anymore. I think the quality of films/TV has gone way down for whatever reason: maybe pirated media and more competition with other forms of entertainment like gaming and youtube.
by Alexa9
Wed Jan 16, 2019 9:05 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7597

Re: When would you stop being a Boglehead?

I suppose I could get in on some insider trading deals at some point. Otherwise, what would be the point?
by Alexa9
Tue Jan 15, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3871

Re: 2019 Camry vs RAV4

I am more interested in a good deal and curious how much people really get off of MSRP. I am aware of pitting the dealers against eachother but I know that even the lowest price offered by one dealer is not even close to as low as they will go with negotiating. I would guess the best method is to of...
by Alexa9
Tue Jan 15, 2019 1:38 pm
Forum: Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4894

Re: I know market timing is a fool's game but...

I can see someone going from 40/60 to 60/40. Not a big deal. But to go all in or all out on a gut feeling is not wise.
by Alexa9
Mon Jan 14, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: "Dirt Simple Wins Again. Couch Potato Portfolio"
Replies: 20
Views: 4509

Re: "Dirt Simple Wins Again. Couch Potato Portfolio"

50% Total Stock Market
50% TIPS
His hands off philosophy is good but his allocation could be a little better. One year returns in a bear market are not a good indicator of a solid portfolio.
by Alexa9
Mon Jan 14, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3871

Re: 2019 Camry vs RAV4

So the Camry shoot for less than $22,000 + Tax, Title, License? RAV4 24,500 + TTL?
by Alexa9
Mon Jan 14, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3871

2019 Camry vs RAV4

I really like the looks of the new RAV4 and the Camry is not bad either. Looking for a rough price difference between these two cars. The RAV4 is a top seller and I think the rear liftgate would be useful when moving large stuff vs. a trunk. Sedans don't seem to be selling well though so it may be w...
by Alexa9
Mon Jan 14, 2019 9:24 am
Forum: Personal Investments
Topic: Lazy Portfolio vs CFP
Replies: 4
Views: 571

Re: Lazy Portfolio vs CFP

Most active funds underperform long term especially after fees. Even the ones that get lucky don’t often continue to do so. It becomes more like gambling the more active you become so take 5% of your portfolio and play with it if you want.
by Alexa9
Sun Jan 13, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1114

Re: Tips for online photography course?

Exposure is not that complicated: SAIL: Shutter speed, Aperture, ISO, and Lighting. I like Aperture priority most of the time, wide open for portraits and narrow for landscapes. Auto ISO, white balance, and shutter speed. I would just take a lot of photos and post them online to get feedback. Shoot ...
by Alexa9
Sun Jan 13, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2082

Re: Taking expensive DSLR on kayak?

If you have a sturdy kayak and the river or lake is very calm, you might do it at your own risk. Assuming you can afford to easily replace it. Carry a waterproof bag for getting in and out of the kayak.
by Alexa9
Sun Jan 13, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: EBay Auction with Best Offer
Replies: 8
Views: 771

Re: EBay Auction with Best Offer

I hate bid wars. I usually go for Buy It Now, but I would offer what you think is a fair amount for best offer. You might wait until it is almost over though and bid if you are patient.
by Alexa9
Sun Jan 13, 2019 4:50 pm
Forum: Personal Investments
Topic: Small cap tilting
Replies: 20
Views: 1326

Re: SMALL CAP TILTING

If you're going to tilt to the small factor, you should also consider tilting to value. Read Fama French and Larry Portfolio. It will have periods of underperformance, but I and many others think it's worth doing if you're going to stick with it, rebalance, and be in the market for 20+ years.
by Alexa9
Sun Jan 13, 2019 1:16 pm
Forum: Personal Investments
Topic: Looking for Advise
Replies: 5
Views: 605

Re: Looking for Advise

By all means, don't pay someone for AUM! It's not rocket science. However, certain other parts of insurance/social security/financial/tax/estate planning may be worth consulting someone for an hourly fee if you have a complicated situation. https://www.bogleheads.org/wiki/Getting_started https://www...
by Alexa9
Sun Jan 13, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: charles schwab, fidelity and seven other banks and brokerages are planning to launch a new exchange
Replies: 6
Views: 1431

Re: charles schwab, fidelity and seven other banks and brokerages are planning to launch a new exchange

I like the idea of slower trading. High frequency trading and computers could really mess things up quickly.
by Alexa9
Sat Jan 12, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 4077

Re: Brake fluid replacement?

From what I’ve read, they are less likely to fail if you change it every few years. Some people never change it and get lucky but it is a costly fix and dangerous if it does happen. Also be sure to replace pads and rotors when needed.