Search found 1834 matches

by Alexa9
Tue Jan 22, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 39
Views: 1186

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: 49
Views: 3659

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: 45
Views: 2475

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: 111
Views: 5933

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: Investing - Help with Personal Investments
Topic: Beginning investing late at 50 years old
Replies: 6
Views: 1371

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: 18
Views: 1784

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: 23
Views: 1495

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: 2148

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: 2073

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: 2028

Re: Curry Powder?

6 C's + Turmeric: Cumin, Cayenne, Cardamom, Cinnamon, Coriander, Clove, Turmeric
by Alexa9
Fri Jan 18, 2019 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 38
Views: 2974

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: 1901

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: 3059

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: 2781

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: 852
Views: 44638

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: 715

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: 3875

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: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7933

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: 10898

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: 7402

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: 3664

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: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4736

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: 4371

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: 3664

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: 3664

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: Investing - Help with Personal Investments
Topic: Lazy Portfolio vs CFP
Replies: 4
Views: 542

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: 1089

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: 2043

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: 756

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: Investing - Help with Personal Investments
Topic: Small cap tilting
Replies: 20
Views: 1202

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: Investing - Help with Personal Investments
Topic: Looking for Advise
Replies: 5
Views: 594

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: 1392

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: 3977

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.
by Alexa9
Fri Jan 11, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9761

Re: Disciplined with finances, but not so with diet

Cutting calories is one way but hunger can be miserable and end in a binge and relapse.
Low carb (Keto/Atkins) seems to work very well without having to starve yourself and works well for people with a lot to lose or people that are addicted to sweets.
by Alexa9
Fri Jan 11, 2019 8:34 pm
Forum: Investing - Theory, News & General
Topic: Lithium etf (LIT)
Replies: 7
Views: 934

Re: Lithium etf (LIT)

Take this with a grain of lithium salt, but I wouldn’t bet the house on it.
by Alexa9
Fri Jan 11, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Banff/Lake Louise vacation-suggestions?
Replies: 16
Views: 916

Re: Banff/Lake Louise vacation-suggestions?

I would peruse tripadvisor and youtube for good ideas:
Some things are must see unless you're coming back and some things you can skip.
https://www.youtube.com/watch?v=wETgdf9FM-4
by Alexa9
Thu Jan 10, 2019 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Advice needed for a young person
Replies: 6
Views: 421

Re: Advice needed for a young person

The odds are not in a stock picker's favor: 5 stocks drive the S&P 500
https://www.forbes.com/sites/simonmoore ... f1cefd6469
by Alexa9
Thu Jan 10, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac
Replies: 22
Views: 1385

Re: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac

For an iTunes Library, you can use home sharing to import all your songs over wifi. For photos and documents, you can drag and drop to an external hard drive or upload to iCloud, Google Drive, or similar. You can also back up your entire hard drive and migrate it to your new computer I believe altho...
by Alexa9
Thu Jan 10, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 1803

Re: Opinions on 2019 RAV4 and/or 2019 Santa Fe

I've watched a lot of reviews on youtube of the RAV4 and some complain it is noisy at freeway speed and it is uncomfortable for taller drivers. I'd test drive yourself and see. Otherwise it looks like a great vehicle. Also, no Android Auto if that matters to you. Even if it is a Toyota, you might wa...
by Alexa9
Thu Jan 10, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Mint.com
Replies: 10
Views: 1542

Re: Mint.com

I only have a couple credit cards now so I just use the bank site/app to monitor transactions. Mint got to be annoying like you said.
by Alexa9
Wed Jan 09, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: It was a dip. Did you notice? The December drop is over.
Replies: 51
Views: 6866

Re: It was a dip. Did you notice? The December drop is over.

The December drop is over, sure. Not that helpful. January and the rest of the year is anyone's guess.
by Alexa9
Wed Jan 09, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Good quality wireless headphones
Replies: 11
Views: 1091

Re: Good quality wireless headphones

I am not a fan of Bluetooth headphones or active noise cancelling headphones (unless on a plane), but Sony and Bose are supposedly the best.
I am a fan of Sennheiser open and closed back headphones for sound quality and comfort. Might get good advice on r/audiophile.
by Alexa9
Tue Jan 08, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2561

Re: I bought a new iPad on sale...should I have?

The iPad is a good buy at that price. I am still anchored to them being $499 when they came out and thought that was a decent price too. I think it is a useful device especially for travel. If you already have a laptop, then it's debatable. If you find you don't use it much, then sell it on eBay. Ap...
by Alexa9
Tue Jan 08, 2019 10:13 am
Forum: Investing - Help with Personal Investments
Topic: VSFVX Admiral Shares
Replies: 12
Views: 2034

Re: VSFVX Admiral Shares

Bumping this thread:
First quarter 2019
https://pressroom.vanguard.com/news/Pre ... 11918.html
by Alexa9
Tue Jan 08, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: What does 1 million @Vanguard get you ?
Replies: 35
Views: 7048

Re: What does 1 million @Vanguard get you ?

Investors with $1 million to $5 million* You're a Flagship client at Vanguard, which means you get personalized services reserved for our high-net-worth investors. Helping you look at your wealth holistically is important to us. As a Flagship client, you'll have exclusive resources available to you,...
by Alexa9
Mon Jan 07, 2019 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with house equity when selling but not ready to purchase another home?
Replies: 6
Views: 753

Re: What to do with house equity when selling but not ready to purchase another home?

I would probably do something like:
20% Equities
40% Muni bonds
40% No ETF Ally CD
by Alexa9
Mon Jan 07, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 6423

Re: Large SUV

Pilot and Highlander are both good and similar. Whatever you can get a better deal on or like more.
by Alexa9
Mon Jan 07, 2019 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Heard of this Company? Fiduciary Wealth Management
Replies: 6
Views: 754

Re: Anyone Heard of this Company? Fiduciary Wealth Management

As long as fees are straightforward/low and they are highly reviewed, it's probably okay. You might ask around your neck of the woods for more reviews or other recommendations. I don't see why you can't just use Vanguard though. Are the fees too high?
by Alexa9
Mon Jan 07, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: Why Total Bond Market over CDs?
Replies: 22
Views: 2579

Re: Why Total Bond Market over CDs?

If you have a significant bond allocation, I would go half CD's if you want. Bonds are very safe even though they fluctuate a bit. But yeah, if CD's are returning more, it's a good move.

Image