Search found 1755 matches

by onourway
Mon Apr 22, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 18
Views: 1018

Re: Best pillow under $50?

I got a 100% down pillow from Target 5 or so years ago that has been fantastic. It was under $50, has zero feathers so no prickly bits. If I felt I had any need to replace it I would go back there in an instant. It's very soft and flat which is what I prefer, but I suspect they make firmer versions ...
by onourway
Sun Apr 21, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 48
Views: 3135

Re: update 70s kitchen or nah?

Personally, money spent in the kitchen is some of the best return we’ve ever gotten on the house because it’s where we spend the majority of our time. We had a pretty nice 70’s kitchen and I still am glad every single day we spent the money to update it. If you will be there another 10 years and the...
by onourway
Sat Apr 20, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2608

Re: Apple MacBook Air - what to do next.

Yes, I usually don't recharge until it's down under the red zone, less than 20% I think is the cutoff. Appears that is not an optimal strategy. Thanks all. 20% isn’t terrible. Letting it go to zero is. Even still, my wife regularly runs her MacBook Air to zero, never gives it a second thought, and ...
by onourway
Sat Apr 20, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2608

Re: Apple MacBook Air - what to do next.

Agree that you should check the health of the battery before you do anything. There are numerous free apps that will give you specific information as to how much of the original charge the battery will hold. If it does need replacing, I would either have Apple do it or if you DIY, purchase from a re...
by onourway
Fri Apr 19, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 69
Views: 4004

Re: American Funds vs Vanguard

Europacific Growth Fund has destroyed Vanguard Total International since inception. Can't believe people drove past this but this fund is 16/26/48 on the top line and VTIAX is 26/26/23. Growth has done well the last ten years, these two funds are apples to oranges. Much in the same way Merriman and...
by onourway
Fri Apr 19, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 69
Views: 4004

Re: American Funds vs Vanguard

I think diversifying with American Funds, Vanguard and BlackRock (I like BlackRock AGG) and DFA might not be a bad strategy. If you already own the entire market through your 3-fund portfolio, I don't think adding additional brokerages is going to add any kind of meaningful diversity. You are simpl...
by onourway
Fri Apr 19, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Feasibility
Replies: 22
Views: 1205

Re: Home Purchase Feasibility

I hope you aren't actually going through with this unless there is something major you left out (like one of you starting a job which will double your income). Otherwise, this isn't even close. You are borrowing the down payment (is doing this in this manner even going to be approved by the lender?)...
by onourway
Fri Apr 19, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 54
Views: 1917

Re: In search of a dishwasher that dries plastics well...

We have a new Bosch that is considerably worse at drying plastics than our 12 year old model it replaced. Even using the extra-dry feature. One thing that does help is using the drying agent that can be added to many new models - but generally things come out pretty wet. I usually empty first thing ...
by onourway
Thu Apr 18, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Ingenious Way To Find Reasonably Priced Painter
Replies: 57
Views: 6031

Re: Ingenious Way To Find Reasonably Priced Painter

I am still confused how you can say you don’t have the equipment or expertise to do the painting, while simultaneously being certain that you’ve done 90% of the prep work already, and done it better than the painters would have? As others have said, having to paint over your prep work is a big liab...
by onourway
Thu Apr 18, 2019 4:59 am
Forum: Personal Consumer Issues
Topic: Ingenious Way To Find Reasonably Priced Painter
Replies: 57
Views: 6031

Re: Ingenious Way To Find Reasonably Priced Painter

I am still confused how you can say you don’t have the equipment or expertise to do the painting, while simultaneously being certain that you’ve done 90% of the prep work already, and done it better than the painters would have? As others have said, having to paint over your prep work is a big liabi...
by onourway
Wed Apr 17, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2686

Re: Insurance Advice after bicycle accident

Yes. The other cyclist, who is presumably a driver, should be covered under her automobile policy for liability. No, the other cyclist's car insurance will not cover an accident they were involved in while operating a bike. :oops: Assigning fault to another cyclist in this case will likely be next ...
by onourway
Wed Apr 17, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7775

Re: I’m a Loser Stuck in a Dead End Job

In your location and situation I would give the oil and gas business a hard look. It is filled with people with less education than yourself making 6 figures and more. You will likely need to work in the field for a number of years, and the work will be hard and the hours long, but you will have the...
by onourway
Wed Apr 17, 2019 10:53 am
Forum: Personal Investments
Topic: Does Vanguard Offer Automatic Rebalancing
Replies: 13
Views: 1600

Re: Does Vanguard Offer Autmatic Rebalancing

Was just thinking of the extra (give or take) .1% for fees for Target Date and Life Strategy funds when compared with the basics. I know it is not much, but it adds up. Thanks! Many people object to this additional amount when they become aware of low-cost investing and in a perfect world, you're r...
by onourway
Wed Apr 17, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3397

Re: Do you pick up after renting a vacation rental?

We frequently rent in the same area, often from the same owners multiple times. We leave the place neater than when we arrived. Often we are reimbursed our cleaning fee. Those who know us well no longer charge it and it is part of why they will often rent to us at greatly discounted rates if they ha...
by onourway
Mon Apr 15, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: Help me test / align this slightly alternate take
Replies: 4
Views: 469

Re: Help me test / align this slightly alternate take

I don't actually see all that much difference in what you suggest here than the typical advice given out on this board. The first question to a new member here nearly always center on income and debts before considering investments. The difference may be that we get relatively few people posting her...
by onourway
Fri Apr 12, 2019 5:28 am
Forum: Personal Consumer Issues
Topic: Ingenious Way To Find Reasonably Priced Painter
Replies: 57
Views: 6031

Re: Ingenious Way To Find Reasonably Priced Painter

In our area it would be impossible to hire a competent exterior painter for this season now. They would be booking you for next year.
by onourway
Wed Apr 10, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs Fidelity Websites - UI/UX
Replies: 13
Views: 1062

Re: Vanguard vs Fidelity Websites - UI/UX

I’m with you. I use Fidelity/Vanguard/Schwab regularly, among others. I think Vanguard’s is by far the best in terms of displaying the info I want in an accessible manner. Fidelity’s site (and to a lesser extent, Schwab’s) has lots of bells and whistles, but honestly that stuff often just gets in th...
by onourway
Wed Apr 10, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4590

Re: YouTube TV is increasing their price - will you cancel it?

We will keep it. The overall user interface is so much better than the alternatives that we can’t imagine switching back. There were articles circulating over the last year indicating that Google was likely losing $10-15/per subscriber at their current pricing which was not a major cost with a few h...
by onourway
Wed Apr 10, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2072

Re: Replacing Main car to get better safety features

Hard to see a lot of value in replacing either of them. The Volvo because it only sees 2000 miles/year of use, in town. Safety features are of limited use under those circumstances. My Volvo independent replaces a timing belt on most older models for about $400, FWIW, so no reason to consider gettin...
by onourway
Wed Apr 10, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 9517

Re: How do 40 year olds decide what they can afford?

We run a tight zero-based budget where nearly everything extra is put into savings with a small amount of flexible spend money. Like many others here, I've found as I've reached 40 that I have much less tolerance for things. They take up space, sap mental and physical energy, and are much easier to ...
by onourway
Tue Apr 09, 2019 8:04 am
Forum: Personal Investments
Topic: Should I leave Betterment?
Replies: 13
Views: 2245

Re: Should I leave Betterment?

I think you should move for several reasons. One, Fees. You may not think the 0.25% is that expensive, but have you calculated out the true cost over, say, 20 years? That cost is likely to run into the tens of thousands of dollars. And that's if they don't increase fees any further, which is, IMO, n...
by onourway
Tue Apr 09, 2019 5:27 am
Forum: Personal Investments
Topic: Taxable brokerage account advice
Replies: 10
Views: 1525

Re: Taxable brokerage account advice

Welcome. Your question is difficult to answer for a few reasons. We have no context needed to help. What is the goal for the money? How much do you want to outperform a savings account? What is your risk tolerance? In very general terms, most people would consider "savings" as money they would not ...
by onourway
Mon Apr 08, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 4922

Re: Solution for a thick wallet

I think you are on the right track with a watch solution with a couple of caveats. One, take notice of the places you might want to pay via the watch and make sure they accept contact-less payments. Two, if you are going with something like a Garmin, make sure they support the banks you want to use....
by onourway
Sat Apr 06, 2019 12:52 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 702
Views: 88481

Re: Post your Financial Milestone Announcements Here

Just wanted to post that my 401k crossed the 2 comma mark for the first time yesterday. :D
by onourway
Fri Apr 05, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8405

Re: Married couples: can you have a team mentality with separate finances?

As the sole high income earning in our family, it would be unfair to my wife to ever make her feel like we had separate money. It’s “our money”. As a man, there are really only three logical reasons a husband would want to keep money seperate: 1. He wants to play with some of the money and not answ...
by onourway
Fri Apr 05, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8405

Re: Married couples: can you have a team mentality with separate finances?

It seems that you and most of the other respondents over the last page and a half skipped over the part where bluejello has clarified that her husband puts his entire salary and all other personal money into joint family accounts, and in fact the only money that is not currently being shared is mon...
by onourway
Fri Apr 05, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8405

Re: Married couples: can you have a team mentality with separate finances?

Just out of curiosity — is there no one on this thread who feels that if one spouse builds a successful career or business, then they should be the primary beneficiary of that hard work and not their spouse? This is my husband's point of view. Take Jeff and Mackenzie Bezos for example. Of course we...
by onourway
Fri Apr 05, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8405

Re: Married couples: can you have a team mentality with separate finances?

In your recent household budget thread you state that household income is ~$500k, which covers many times your expenses you list there. Where does that number come from? That number is my estimate of the annual business profits that would belong to him (not including what goes to his business partn...
by onourway
Fri Apr 05, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8405

Re: Married couples: can you have a team mentality with separate finances?

I feel like a bit of clarification is needed. You say that most assets outside of the business are in joint accounts, including the salary that he pays himself which is deposited into a joint account, yet 'most asset accumulation is happening in the business.' If that's the case, it doesn't sound q...
by onourway
Fri Apr 05, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8405

Re: Married couples: can you have a team mentality with separate finances?

I feel like a bit of clarification is needed. You say that most assets outside of the business are in joint accounts, including the salary that he pays himself which is deposited into a joint account, yet 'most asset accumulation is happening in the business.' If that's the case, it doesn't sound qu...
by onourway
Fri Apr 05, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6695

Re: FIDO Zero Funds losing to Vanguard?

It seems to me the difference in all of those cases, other than SPDR (which was also changed to track an in-house index right as they introduced their ultra-low cost index funds), is that they are tracking a known, 3rd party index. For these zero-fee funds Fidelity has chosen to contract their own ...
by onourway
Fri Apr 05, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6695

Re: FIDO Zero Funds losing to Vanguard?

ITOT (iShares Total Market) tracks the S&P Total Market Index, SCHB (Schwab Broad Market) tracks the Dow Jones U.S. Broad Stock Market Index, SPTM (SPDR Total Market) tracks the SSGA Total Stock Market Index, FSKAX (Fidelity Total Market) tracks the Dow Jones U.S. Total Stock Market Index (which is...
by onourway
Fri Apr 05, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: New Car Fund
Replies: 13
Views: 672

Re: New Car Fund

My car fund is part of my overall taxable investment account because buying a new car is not typically something I need to do right this moment (or if I do, I should have an insurance check to help out). If markets are down and I'm not feeling like selling, it's probably not going to be a problem to...
by onourway
Fri Apr 05, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6695

Re: FIDO Zero Funds losing to Vanguard?

I'm not sure I find this argument compelling. There are multiple indices, from multiple companies, and funds not only go with different providers but switch as Vanguard has done in the past. And note that Vanguard has a Large Cap Index fund that uses a CRSP index, not the S&P 500 index.This is not ...
by onourway
Fri Apr 05, 2019 8:15 am
Forum: Personal Investments
Topic: high dividend investments
Replies: 34
Views: 2452

Re: high dividend investments

You will not find much support for funds like these here, although both dividends and closed end funds have been discussed extensively here, if not these specific funds. In short, 7% return is not sustainable in the long run from dividends alone. Any fund paying that is likely returning some of your...
by onourway
Fri Apr 05, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6695

Re: FIDO Zero Funds losing to Vanguard?

Not exactly. They are different indexes. The FZROX for example has the largest 2500 stocks in the U.S. vs 3500 for the vanguard fund. FZROX has a slight large cap tilt. It is approximately 3/4 of the way between an S&P 500 index and a total market index. You will likely find over time that if large...
by onourway
Thu Apr 04, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Pay cash for hvac or leverage 0% financing?
Replies: 42
Views: 1638

Re: Pay cash for hvac or leverage 0% financing?

Taking your username into account, I would back off. This isn't an emergency. You don't need to replace a functional system today. Start saving the amount you'd pay if you took the loan every month so you have most if not all of the cash available to replace it at some point in the future when it g...
by onourway
Thu Apr 04, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Where to live during kitchen renovation?
Replies: 45
Views: 2641

Re: Where to live during kitchen renovation?

In a 1000' apartment I can see the potential need to move out, especially if you are retired and would be home all day. I agree though that you do not want to be out of the country while this is done unless your standards are quite low. You should plan on visiting the site even for 15-30 minutes pre...
by onourway
Thu Apr 04, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Pay cash for hvac or leverage 0% financing?
Replies: 42
Views: 1638

Re: Pay cash for hvac or leverage 0% financing?

Taking your username into account, I would back off. This isn't an emergency. You don't need to replace a functional system today. Start saving the amount you'd pay if you took the loan every month so you have most if not all of the cash available to replace it at some point in the future when it ge...
by onourway
Wed Apr 03, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Would like a review of my premium credit card usage portfolio
Replies: 47
Views: 2370

Re: Would like a review of my premium credit card usage portfolio

I'm assuming you use the Plat for flights because you value 5X > 3X + better travel protections? I suppose someone could be a maximizer and use Plat 5X for trips within or to first world countries (since if any SHTF, you're still in a safe place), and 3X for trips to sketchier places.THEN AGAIN! Th...
by onourway
Wed Apr 03, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Would like a review of my premium credit card usage portfolio
Replies: 47
Views: 2370

Re: Would like a review of my premium credit card usage portfolio

I'm assuming you use the Plat for flights because you value 5X > 3X + better travel protections? I suppose someone could be a maximizer and use Plat 5X for trips within or to first world countries (since if any SHTF, you're still in a safe place), and 3X for trips to sketchier places.THEN AGAIN! Th...
by onourway
Wed Apr 03, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Household budget, savings, retirement, and Home Equity question
Replies: 23
Views: 2229

Re: Household budget, savings, retirement, and Home Equity question

Yes, the switch to a 30-year is a good option that I missed. However my back of the napkin math doesn't see it saving you enough to be the cure-all. I see maybe a $700/month savings depending on the exact numbers. Remember the interest rate is likely to be higher both because of the extended mortgag...
by onourway
Wed Apr 03, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Household budget, savings, retirement, and Home Equity question
Replies: 23
Views: 2229

Re: Household budget, savings, retirement, and Home Equity question

Hi there. Welcome to the site! You have some issues that are going to require some difficult choices. The #1 issue is the cost of your housing. The #2 issue is the cost of your vehicles. These are common places where people over-spend, so you are not alone, but realize that together, these items are...
by onourway
Wed Apr 03, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Would like a review of my premium credit card usage portfolio
Replies: 47
Views: 2370

Re: Would like a review of my premium credit card usage portfolio

My question would be on your use of the Amex Platinum for hotels. My understanding is that you only get those points if you book through Amex Travel and pre-pay, which comes with significant limitations on cancellations/changes. This means I use my Chase Sapphire Reserve for my hotel bookings and ke...
by onourway
Wed Apr 03, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Am I being silly (too cheap) to not buy a new minivan?
Replies: 23
Views: 1526

Re: Am I being silly (too cheap) to not buy a new minivan?

I would just save until you have enough cash to pay for it in full, only because the act of actually parting with that much cash tends to make people much more reasonable when determining how much to spend, which options to go for, and so on.
by onourway
Tue Apr 02, 2019 8:46 am
Forum: Personal Investments
Topic: Schwab users: Does Schwab discourage the purchase of money market funds?
Replies: 44
Views: 3175

Re: Schwab users: Does Schwab discourage the purchase of money market funds?

So what is Schwabs comparable money fund to Vanguards Prime MM? I see SWRXX, SWSXX and SWVXX (although they are hard to tell apart). Which is the one I'd want (the one that corresponds to Vanguard Prime MM?) Are there any limits to my buy/sell? (since I'd want to keep this liquid as I use the funds...
by onourway
Tue Apr 02, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Repair Bosch Dishwasher or Buy New?
Replies: 26
Views: 2128

Re: Repair Bosch Dishwasher or Buy New?

Our Bosch stopped draining reliably and dishes were no longer coming out terribly clean last year after about 10 or 12 years. I did a little bit of troubleshooting, but with 3 little kids not having a reliable dishwasher is a hassle and it was beginning to risk a flood which in our kitchen with hard...
by onourway
Mon Apr 01, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: I think we're FIRE in 8 or 9 years, feedback?
Replies: 15
Views: 2111

Re: I think we're FIRE in 8 or 9 years, feedback?

In for more info because our numbers should be similar at your age.

If your $130k includes health and tax expenses, it seems like you should be more than good to go in 8 more years, as your assets should grow to over $4m by then.
by onourway
Mon Apr 01, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Better elementary school - switch soon or wait
Replies: 29
Views: 1506

Re: Better elementary school - switch soon or wait

quantAndHold wrote:
Sun Mar 31, 2019 11:24 pm
Two things...

1) Everyone’s kindergartner is above average.

2) Don’t solve a problem you don’t have. Most schools are just fine for most kids, especially the kids whose parents care. If she isn’t challenged, or has some other problem, solve the problem when it happens.
x2
by onourway
Mon Apr 01, 2019 5:46 am
Forum: Personal Investments
Topic: 100k to Invest, Skeptical of Equities
Replies: 25
Views: 2761

Re: 100k to Invest, Skeptical of Equities

Add me as another person who has many multiples of what you are dealing with that I choose to keep invested rather than converting to cash every day. We will ultimately contribute more than your entire amount in new money this year, just like we do every year. It goes into the market at our desired ...