Search found 36 matches

by Boglegirl81
Sat Dec 21, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: How to Protect Your Most Important Asset
Replies: 45
Views: 6405

Re: How to Protect Your Most Important Asset

GET MORE SLEEP! I listened to a Joe Rogan podcast where he interviewed Matthew Walker, who is an expert on sleep. It was life-changing for me, and I’ve made an effort to get more sleep. If you can handle Rogan’s colorful language for a couple of hours, I’d suggest going on YouTube and listening to t...
by Boglegirl81
Thu Dec 19, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: iPhone battery replacement question
Replies: 27
Views: 1337

Re: iPhone battery replacement question

Apple replaced the battery in my 3 year old iPhone 7 recently (battery was down to 78%) for $50. It’s like a whole new phone now. They tried to sell me a new phone too, but there’s nothing wrong with this one now that I have a new battery. I was able to make an appointment for that same day, and the...
by Boglegirl81
Mon Nov 25, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house after making improvements :-(
Replies: 19
Views: 2312

Selling house after making improvements :-(

I’m 38 and bought my first house about 1.5 years ago. I recently converted my carport to a large one-car garage, and I’ll be adding pavers and repainting the house as part of that project (about $30k total for all of it - paid in cash). I recently decided that it would make sense to move to another ...
by Boglegirl81
Wed Oct 16, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 6204

Re: Help me find some high quality cargo pants.

Go to REI and check out the Prana and Kuhl pants. Also check out the Lululemon pants. I’ve picked all of these out for my boyfriend and he loves them. The Lululemon pants are business casual, but they don’t require any ironing. I wash them all inside out and then hang them to dry. So easy. You might...
by Boglegirl81
Wed Oct 16, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 5127

Re: What workout equipment to get?

It is hard to turn a non-gym-goer into a gym-goer, even if cost effective. Remember that most people who purchase gym memberships don't go and most people that buy exercise equipment use them for hanging clothes My recommendation is subscribing to https://watch.lesmillsondemand.com/programs . It is...
by Boglegirl81
Tue Sep 10, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 4706

Re: Costco washer/dryer delivery: tipping?

I tipped when I had my washer/dryer last year. They are HUGE! Somehow those two guys got them into my tiny laundry room and stacked them without denting either of them or making any holes in the wall. Miraculous! That couldn’t have been easy. I agree that tipping is getting out of control though. I ...
by Boglegirl81
Sun Sep 01, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6591

Re: How to help niece improve her driving

Could some of it could be due to the op himself? I become quite anxious when my wife drives, but I don’t think she is a bad driver, just a lot more aggressive than I am. Perhaps because I do 90% of the driving when we are driving together, so I feel out of control when I am not behind the wheel. Wh...
by Boglegirl81
Sun Sep 01, 2019 12:37 pm
Forum: Personal Investments
Topic: Avoid grandson poverty
Replies: 76
Views: 9806

Re: Avoid grandson poverty

Apologies in advance for not answering the question directly, but do you have reason to believe he will be poor? A college grad in any reasonable field during a good economy should do fine, particularly without a spouse or child right away. If you want to help him financially, gifting a car, paying...
by Boglegirl81
Fri Aug 30, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Improving soft skills
Replies: 35
Views: 3511

Re: Improving soft skills

What are your favorite books, videos, exercises, etc. to improve soft skills (especially conversation skills)? I’m fairly introverted but would very much like to learn how to more outwardly be the type of person that other people enjoy interacting with. Often I’m afraid to strike up casual conversa...
by Boglegirl81
Fri Aug 30, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Advice: Refuse delivery of a damaged item!
Replies: 11
Views: 1203

Advice: Refuse delivery of a damaged item!

After dealing with an unreliable fridge for months, I finally bought a new one from Costco (a Haier, which I guess is somehow hooked up with GE now) about a month ago. At $1000, it’s obviously a lower end model, but that’s still a lot of money to me! When the fridge showed up at my house, it had a c...
by Boglegirl81
Tue Jul 30, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7181

Re: What's your Uber passenger rating?

I use Uber relatively frequently, and I’m at 4.99. I almost always tip the drivers. I’ve read how little they make, and almost all my rides are relatively short. I do a lot of rides to and from the airport as well. It never occurred to me to tell them I’ll tip through the app in order to get a bette...
by Boglegirl81
Thu Jul 04, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: 30 y/o financial check up. How am I doing? Can I buy a model 3 performance?
Replies: 57
Views: 4316

Re: 30 y/o financial check up. How am I doing? Can I buy a model 3 performance?

I had a similar urge to you but with a higher income. A year ago I went to purchase a new car and was tempted by luxury vehicles because like you I had grown my income substantially and felt “I had earned it”. I even admire cars and research their performance, technology, reviews, etc in my spare t...
by Boglegirl81
Sun Jun 23, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 18243

Re: what was your worst major purchase? mine is a 2019 mazda3

lighthouse, wow you should have kept it. From its facebook page: https://www.facebook.com/FairportHarborWestLighthouse/photos/pcb.2867225583310216/2867218423310932/?type=3&theater Thanks for the link. I contacted the owner and explained who I was. She definitely remembered how the transaction went....
by Boglegirl81
Sat Jun 01, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 48
Views: 7604

Re: Apple - Old Product Boxes - Keep or Dispose?

shmidds wrote:
Sat Nov 10, 2018 7:45 am
I went all "KonMari" and use them to separate things in my underwear drawers. :happy
I use mine (iPhone, iPad, AirPods boxes) in my drawers too! They’re wonderful! :D
by Boglegirl81
Sun Apr 21, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: House renovation financing
Replies: 24
Views: 2980

Re: House renovation financing

Buying turnkey for the incremental 100k or 200k rather than a fixer upper is 100% the way to go. I'll never do this again. I'm really sorry this happened to you. I have learned this too, but on a much smaller scale. I bought my house about a year ago, and I want to do a few small things inside and ...
by Boglegirl81
Tue Jul 03, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 88
Views: 9857

Re: DNA ancestry testing

When I initially took the DNA test (via ancestry.com) it didn't tell me anything that I didn't already know. Basically, it told me that I'm East European Jewish--no surprises there. A few years later I got a mysterious letter from someone I'd never heard of. It turns out that I have a half-brother ...
by Boglegirl81
Fri May 18, 2018 5:16 pm
Forum: US Chapters
Topic: Arizona Chapter
Replies: 119
Views: 19557

Re: Arizona Chapter

Thank you to all that attended our initial Bogleheads meeting last night! It was a great success with lots of interesting people and conversation. A big THANK YOU to Michael LeBoeuf for helping out and sharing his great stories and investment advice. I look forward to our next get together, which w...
by Boglegirl81
Thu Nov 16, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Dive computer recommendations
Replies: 8
Views: 1166

Dive computer recommendations

I’m asking my family for a dive computer for Christmas, and I am looking for recommendations. I don’t need anything too fancy since I do easy guided dives, but I would like to get nitrox certified in the future so I would need to be able to dive nitrox with it. I don’t dive all that often so I’d lik...
by Boglegirl81
Sun Jun 25, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: [Can I move data from Microsoft to Mac with new computer?]
Replies: 13
Views: 1344

Re: [Can I move data from Microsoft to Mac with new computer?]

I did a refurbished MacBook Air and it has been great. I will never go back to Microsoft.
by Boglegirl81
Wed May 31, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Tuft & Needle prices going up tomorrow
Replies: 5
Views: 1719

Tuft & Needle prices going up tomorrow

If you're considering a Tuft & Needle mattress, their prices are going up tomorrow. I've been wanting one for a while so I just ordered mine!

https://www.tuftandneedle.com/why-we-are-raising-prices
by Boglegirl81
Thu Apr 27, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 8247

Re: $300+ to remove a racoon. Really?

Pay the money for someone to remove it! We used to trap them in my parents' backyard when I was young. We drove them out to the woods and released them. Some of them weren't too bad, but other times it was really difficult getting them out of the trap and it always scared us watching my parents do i...
by Boglegirl81
Sun Apr 09, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: More Zenni Optical Questions
Replies: 13
Views: 2807

Re: More Zenni Optical Questions

Have you looked into getting glasses at Warby Parker? I got a few glasses from Zenni years ago, but now all my glasses come from WP. I've been very happy with them.
by Boglegirl81
Sat Apr 08, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: Kindle Specials on Four Pillars and If You Can
Replies: 22
Views: 4313

Re: Kindle Specials on Four Pillars and If You Can

I got it for $1.99 yesterday too! Thanks for the heads up on the sale. I'm looking forward to reading it!
by Boglegirl81
Wed Mar 01, 2017 8:50 pm
Forum: Personal Investments
Topic: Moving away from Vanguard brokerage: Options?
Replies: 22
Views: 3881

Re: Moving away from Vanguard brokerage: Options?

I have accounts at both Vanguard and Fidelity. I was planning to consolidate those accounts this year and bring everything over to Vanguard. I have to say, this thread is definitely making me re-think that plan...
by Boglegirl81
Tue Jan 03, 2017 12:20 pm
Forum: Personal Investments
Topic: New Boglehead - portfolio help please! :)
Replies: 8
Views: 1478

Re: New Boglehead - portfolio help please! :)

BL, thanks for the thoughtful advice. I don't do my own taxes, but I like the idea of playing around with different scenarios! I will check out that PDF. I also bought the Bogleheads Guide to Investing so I'm just getting going with that. I realized a few weeks ago that my dad had given me the Littl...
by Boglegirl81
Sun Jan 01, 2017 10:56 pm
Forum: Personal Investments
Topic: New Boglehead - portfolio help please! :)
Replies: 8
Views: 1478

Re: New Boglehead - portfolio help please! :)

Thank you so much for the advice guys! I never thought about using the regular 401k to lower my AGI to where I could still contribute to a Roth IRA. I am absolutely looking to simplify my portfolio and not have so many funds. It is definitely very random and unplanned. I had NO idea what it was doin...
by Boglegirl81
Sun Jan 01, 2017 12:52 pm
Forum: Personal Investments
Topic: New Boglehead - portfolio help please! :)
Replies: 8
Views: 1478

Re: New Boglehead - portfolio help please! :)

Thanks for the book recommendation! I think I'll read that after I finish the Bogleheads Guide to Investing and The Little Book of Common Sense Investing. I do think the right move is to sell the fund. Over the next 30+ years it'll cost me so much in fees, and I don't want over a quarter of my asset...
by Boglegirl81
Sat Dec 31, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Almost made it through another year without breaking a rule- but then, we learned to Scuba
Replies: 31
Views: 3273

Re: Almost made it through another year without breaking a rule- but then, we learned to Scuba

I got certified about 10 years ago. I've never invested in any scuba diving equipment other than the mask, snorkel, fins, and wetsuit. I only go a couple of times a year so I just rent equipment. In 2017 I'd like to do some actual dive trips so I'll have to see if it makes sense to purchase more of ...
by Boglegirl81
Sat Dec 31, 2016 1:06 pm
Forum: Personal Investments
Topic: New Boglehead - portfolio help please! :)
Replies: 8
Views: 1478

New Boglehead - portfolio help please! :)

Emergency funds: about 3 months of expenses saved (working to get to 6 months) Debt: no debt Tax Filing Status: single Tax Rate: 28% Federal, 4.24% State State of Residence: AZ Age: 35 Desired Asset allocation: 95-100% stocks / 0-5% bonds Desired International allocation: 30-40% of stocks Current to...
by Boglegirl81
Tue Dec 06, 2016 10:35 pm
Forum: Personal Investments
Topic: Determining cost basis in taxable account - "uncovered" shares
Replies: 10
Views: 1049

Re: Determining cost basis in taxable account - "uncovered" shares

Thank you all very much for the replies!! I guess it isn't as big of a deal as I'm making it out to be!
by Boglegirl81
Tue Dec 06, 2016 10:34 pm
Forum: Personal Investments
Topic: Determining cost basis in taxable account - "uncovered" shares
Replies: 10
Views: 1049

Re: Determining cost basis in taxable account - "uncovered" shares

Boglegirl81, Before you get too concerned about the cost basis, determine whether or not you are going to even have taxable income based on whatever basis you can properly use. I do tax returns in the AARP Tax-Aide volunteer tax program and often run into people who have no idea of what the basis i...
by Boglegirl81
Tue Dec 06, 2016 4:38 pm
Forum: Personal Investments
Topic: Determining cost basis in taxable account - "uncovered" shares
Replies: 10
Views: 1049

Determining cost basis in taxable account - "uncovered" shares

Help! I bought $4,000 of the Vanguard Total Stock Market fund (VTSMX) in a Vanguard taxable account in 2006. I believe the only additional purchases of that fund were from dividend reinvestments. Sometime in 2013, I decided to move all of my accounts to Fidelity (though I never actually finished doi...
by Boglegirl81
Thu Dec 01, 2016 10:57 pm
Forum: Personal Investments
Topic: Need help moving towards three fund portfolio
Replies: 3
Views: 716

Re: Need help moving towards three fund portfolio

Okay thanks! I'll post everything within a few days!
by Boglegirl81
Thu Dec 01, 2016 10:26 pm
Forum: Personal Investments
Topic: Need help moving towards three fund portfolio
Replies: 3
Views: 716

Need help moving towards three fund portfolio

I recently discovered this forum and I'm trying to move towards the three fund portfolio. I'd like to do a long post with a complete financial picture eventually, but what I'm trying to do immediately is just to make some changes within my Vanguard brokerage account. I have about $52,000 in there (a...
by Boglegirl81
Sat Nov 26, 2016 10:59 am
Forum: Personal Investments
Topic: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?
Replies: 13
Views: 5578

Re: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?

Thank you so much for the response! I switched to FIOFX for now and will evaluate the ratio to see whether that's my desired mix. I ordered your book on my Kindle and I'm really looking forward to reading it. Wish I had discovered this forum years ago!
by Boglegirl81
Sat Nov 26, 2016 12:42 am
Forum: Personal Investments
Topic: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?
Replies: 13
Views: 5578

Re: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?

Sorry to revive an old post, but I have the exact same question as the original poster. A big chunk of my Roth IRA has been in Fidelity Freedom 2045 (FFFGX) for about 3 years now. I had no idea there was an Index option with much lower expense ratios (FIOFX) until joining this forum today! Is it jus...