Search found 2006 matches

by onourway
Tue Oct 01, 2019 3:06 pm
Forum: Personal Investments
Topic: VTI now has lower fees than VTSAX
Replies: 30
Views: 3537

Re: VTI now has lower fees than VTSAX

Even if it’s meaningless, why would anyone pay more than necessary? Please educate me. Because .01% is well within the noise of overall investment returns. It would be impossible to look back over an investing period and claim that the lower expense ratio was responsible for better performance. Due...
by onourway
Sun Sep 29, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: When and should I buy dream car? 1997 Toyota Supra
Replies: 36
Views: 2557

Re: When and should I buy dream car? 1997 Toyota Supra

It doesn’t sound to me like you are ready. You don’t have a garage for it. Unless your parents are around the corner garaging it there will be inconvenient. That will mean you either won’t drive it much or it will end up not being garaged much. Both are bad for keeping an old car in great condition....
by onourway
Sun Sep 29, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Midtown NYC Hotel w/ Kids?
Replies: 17
Views: 1790

Re: Midtown NYC Hotel w/ Kids?

We have been staying at the Westin Grand Central with our young kids for the past several years when staying in midtown. Staff is very accommodating and friendly. Even though we are only there 1-2 times/year, many remember us. Easy walk to Grand Central (as well as Times Square/Rockefeller Plaza, ev...
by onourway
Sat Sep 21, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Separate laptop for dealing with finances?
Replies: 39
Views: 2930

Re: Separate laptop for dealing with finances?

I think it’s overkill for most people, but the easiest method if you insisted would be to have an iPad dedicated to the purpose that got used for nothing else.
by onourway
Wed Sep 18, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1659

Re: iCloud Full - Photos

As a follow up I had a couple of additional questions: * So the sync and backup is different. As long as one is careful and does not delete a file in iCloud there would be no need for a separate backup drive correct? * I thought on the Mac, iPad, signing into iCloud, that there was a deleted items ...
by onourway
Wed Sep 18, 2019 5:30 am
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1659

Re: iCloud Full - Photos

Are you paying for any other cloud storage service already? iCloud is now a functional, multi-platform sync service a-la Dropbox, OneDrive, etc. The Windows client is now fast and functional and designed in close collaboration with Microsoft. I recently did an assessment of my growing cloud services...
by onourway
Fri Sep 13, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 3949

Re: Best Leaf Blower?

Dan is misinformed. The latest generation of top-tier electric blowers are essentially on-par with gas blowers, with similar top air speed and often more volume than their gas counterparts. My Echo electric is better than my Makita gas blower in every way, and will last on a single charge for longer...
by onourway
Thu Sep 12, 2019 5:02 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 8669

Re: How old is your cellphone?

Used to upgrade regularly, have held off the last few years very happy with my iPhone 7. Still works perfectly. That said, I am thinking that the camera has advanced enough now that I’m considering a new model. The reality is that we take 99% of our photos with our phone, and we will only have young...
by onourway
Thu Sep 12, 2019 4:55 am
Forum: Personal Consumer Issues
Topic: First car accident ever, now what?
Replies: 30
Views: 2051

Re: First car accident ever, now what?

I too recently had my first accident at nearly a similar age. Fortunately someone just backed into me at low speed in a parking lot, but I still had to deal with insurance. First, everyone seems to say ‘make your insurance deal with it.’ That’s not exactly how it worked out for me. I called my insur...
by onourway
Thu Sep 12, 2019 4:48 am
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4315

Re: [Buying 1/2 pint milk in bulk for school lunches?]

Give them a thermos.

Like investing, the simplest answer is usually the best.
by onourway
Thu Sep 12, 2019 3:41 am
Forum: Personal Consumer Issues
Topic: New iPad
Replies: 9
Views: 1579

Re: New iPad

Like others say, it really depends on what you use it for. The new 10.2” iPad is hard to beat value-wise. It will work with your existing Apple Pencil for the first gen Pro if you have one. The big advantages to the newest Pro models are, IMO, the larger screen which comes in a much more compact bod...
by onourway
Thu Sep 12, 2019 3:34 am
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4394

Re: Best Dog Car?

Volvo XC70/V90CC. One of the only vehicles on the market with legitimate OEM dog features available. Options include a heavy-duty retractable net that keeps them behind the rear seat OR keeps them behind the front seats while having access to the full cargo area of the vehicle with seats that fold c...
by onourway
Mon Sep 02, 2019 5:12 am
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 5605

Re: Not gaining weight on vacation?

Make exercise part of your daily routine no matter where you are in the world. Running or walking is fantastic because it doesn’t require you to bring much of anything extra, it’s a great way to get to explore and see more of new areas, and going for a long run or walk shortly after arrival is the b...
by onourway
Sun Aug 25, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17038

Re: White collars- How much is your work downtime?

I am not surprised at the amounts of downtime listed here, but I am surprised that people want less downtime at work.... what? Why do you WANT to be busy at work 100% of the time? If you have no work to do, that is great. Just chill and browse the internet. I certainly don’t want zero down-time, bu...
by onourway
Sun Aug 25, 2019 5:36 am
Forum: Personal Consumer Issues
Topic: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?
Replies: 17
Views: 951

Re: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?

Incidentally I am not a student at a college or university. Taking free classes here and there from industry pros in the metro Orlando area funded by an endowment. And I intend to ramp-up and begin monetizing content in 2 months or less. But not to the degree that $50+ a month is insignificant; as ...
by onourway
Sat Aug 24, 2019 5:26 am
Forum: Personal Consumer Issues
Topic: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?
Replies: 17
Views: 951

Re: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?

I was given the following caveat today, from Someone In The Video / Film Production industry re: using a student license to create content one intends to monetize: Don’t. As it both violates the EULA and isn’t worth the litigation costs should one be found out doing so. #SteppingOverDollarsToPickUp...
by onourway
Fri Aug 23, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?
Replies: 17
Views: 951

Re: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?

Creative Cloud for students is $20/month. If you buy it before August 30, they give you 2 months for free. If you are taking classes that use these products, the cost of the software is absolutely trivial compared to the value of your time. I wouldn't even think twice about the cost, especially if y...
by onourway
Thu Aug 22, 2019 5:28 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17038

Re: White collars- How much is your work downtime?

Out of the office on special projects we may spend days or even weeks waiting (with literally zero to do) then be required to work 100% for days straight. Fortunately those projects are rarer for me these days as I’m getting too old for this. :) In the office I mostly choose what I work on and at wh...
by onourway
Tue Aug 20, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3340

Re: Battery powered lawn mower

Two more notes on my experience with my Echo (not EGO) mower. It has never completely stalled even in tall, wet grass. Not once. This is even while staying in mulching mode although I did purchase the optional side discharge chute, I've only used it once. My mulching Honda stalled constantly in simi...
by onourway
Tue Aug 20, 2019 5:40 am
Forum: Personal Consumer Issues
Topic: Idea for a basic drawing book for granddaughter...
Replies: 28
Views: 1458

Re: Idea for a basic drawing book for granddaughter...

3rd to suggest Drawing on the Right Side of the Brain. I’m currently going through this book myself, and at only 1/3 of the way through, I’m already seeing results I never thought possible from my own hand. That said, this book is certainly targeted at an older audience, it’s quite wordy and more co...
by onourway
Sun Aug 18, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3340

Re: Battery powered lawn mower

On my second season with my Echo battery mower. So far so good. Don’t miss my Honda at all. I had a bunch of Ryobi electric stuff including blower and trimmer but not the mower previously. It’s good value but not the same quality tier by a good bit. My Echo replacements feel like their commercial ga...
by onourway
Sat Aug 17, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 3747

Re: Go for new job (more pay but travel) or stay?

Agreed. Too much travel for too little bump in pay. The questions about your company's particular travel policies are spot-on. Make sure you know the answers to these if you are still considering it.

I traveled ~4 months/year for over a decade, but fortunately that was before we had kids.
by onourway
Sat Aug 17, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Best method for handling work task list and note taking?
Replies: 28
Views: 2025

Re: Best method for handling work task list and note taking?

My iPad Pro is on my desk next to my computer with my notes app open all day. It goes with me with meetings and everywhere else. Mostly I use the pencil to create an ongoing task list, brainstorming, sketching ideas, and so on. Every bit as fast as pencil and paper, and a lot more flexible.
by onourway
Thu Aug 15, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4602

Re: Brown Bag Lunch Ideas

Pretty simple. Pack what you like to eat. I pack breakfast, snacks, and lunch for myself, and lunch and snacks for 3 kids every day. If I have leftovers, I may take those, but generally prefer to eat them at home. I like sandwiches, so I generally make some variation on that. I'm vegetarian, so flav...
by onourway
Fri Aug 09, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9121

Re: Critique my exercise routine because it's not working for me

When you were counting calories, how were you measuring your food? If you weren't weighing it, it's probably not accurate enough and you could easily be 25+% off.

What does the rest of your day look like outside of exercise time? How many steps do you average daily?
by onourway
Fri Aug 09, 2019 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Silly question - what’s your largest non-essential item as a % of your net worth? Or, what is its dollar value?
Replies: 25
Views: 1794

Re: Silly question - what’s your largest non-essential item as a % of your net worth? Or, what is its dollar value?

Probably can't put a dollar value on my kids, so... :D

I guess it'd have to be my second, fun car. About 1% of our net worth.
by onourway
Fri Aug 09, 2019 5:08 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals
Replies: 61
Views: 4312

Re: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals

It's been mentioned already, but it's important enough to mention it again. The 7% return is a long term average. You can't assume you are 'ahead' because of a short period of growth (most of which is coming from the fact we had a substantial short-term downturn late last year). You might see 20% gr...
by onourway
Thu Aug 08, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: How to find a reliable car service center?
Replies: 45
Views: 2408

Re: How to find a reliable car service center?

I'm guilty of taking a lot more time than the pros would to fix things. But I certainly haven't done some of the boneheaded things the pro's do to myself either. The industry has a reputation for a reason. DIY is by far the best. Second are independent mechanics. Dealers, I won't even address. A go...
by onourway
Thu Aug 08, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: How to find a reliable car service center?
Replies: 45
Views: 2408

Re: How to find a reliable car service center?

Only 100% method is to diy. Even good independents have bad days and can overcharge. DIY is far from 100%. Anyone who works on a vehicle for themselves or as a business makes mistakes at times or comes up against problems they don't have the tools or expertise to solve. You really need to ask aroun...
by onourway
Wed Aug 07, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Largest spending category - is this an outrageous amount?
Replies: 56
Views: 3735

Re: Largest spending category - is this an outrageous amount?

You don't need to get granular to the point of categorizing each individual item on a large bill, but breaking it down into a few more general categories can help a lot - say 'household misc', 'clothing,' 'groceries,' and so on. $30k is substantial enough that you don't want to ignore this - and it'...
by onourway
Wed Aug 07, 2019 5:57 am
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 247
Views: 18602

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

That's what I told my friend. He replied: you should buy dividend Aristocrats, companies that have increased their dividend payouts for 25 consecutive years or more. This strategy is no different than choosing the best performing mutual funds of the past 25 years. It’s chasing past performance and ...
by onourway
Wed Aug 07, 2019 5:17 am
Forum: Personal Consumer Issues
Topic: ways to stay a little cleaner during diy car maintenance
Replies: 39
Views: 2358

Re: ways to stay a little cleaner during diy car maintenance

Curious - how is it that a few pumps can extract so much oil? Do you ever have to pump a few more times after you started the process? It takes just a few pumps at the beginning to develop the suction. I sometimes add a few more pumps as the oil level drops. Extraction does take a bit of time, perh...
by onourway
Tue Aug 06, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: ways to stay a little cleaner during diy car maintenance
Replies: 39
Views: 2358

Re: ways to stay a little cleaner during diy car maintenance

Has anyone tried an oil extractor? I have a 13 Subaru Outback which has the oil filter on top of the engine. If an oil extractor can suck the oil out via the dip stick tube, I wouldn't need to get under the car at all. Youtube video of a topsider oil extractor: https://www.youtube.com/watch?v=65MMn...
by onourway
Tue Aug 06, 2019 5:17 am
Forum: Personal Consumer Issues
Topic: ways to stay a little cleaner during diy car maintenance
Replies: 39
Views: 2358

Re: ways to stay a little cleaner during diy car maintenance

As others mention, disposable gloves and coveralls are my go to. Also, invest in an oil extractor sooner than later. Makes oil changes clean and painless, especially as all of our vehicles at the moment also have cartridge oil filters accessible from the top. No need to even lift the vehicle anymore...
by onourway
Mon Aug 05, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Advice for making and reviewing a family budget
Replies: 25
Views: 1473

Re: Advice for making and reviewing a family budget

tomwood wrote:
Mon Aug 05, 2019 8:52 am
do any of these programs allow me to use them on a desktop without linking to a bank account
YNAB does not require bank account connections though over the long haul it will greatly simplify things if you do so.
by onourway
Mon Aug 05, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Advice for making and reviewing a family budget
Replies: 25
Views: 1473

Re: Advice for making and reviewing a family budget

Agree on the YNAB recommendation.

Don't think even one second about the cost. If you use it as intended you will find it saving you many times that in helping you get a control on your spending.
by onourway
Sun Aug 04, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8373

Re: Extreme Anxiety with Time/Money

As usual, you’ve gotten lots of great advice here. Find a therapist. It really is amazing how helpful it is to have someone to talk to regularly who is impartial to your overall life situation and just listens. This should help you learn to prioritize things in your life. Home ownership is a grind. ...
by onourway
Sat Aug 03, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Need Auto repair near Lubec, Maine
Replies: 8
Views: 514

Re: Need Auto repair near Lubec, Maine

Metal on metal when accelerating? Very often an exhaust heat shield that has rusted and is now flappy partially free. Annoying but not dangerous. Any shop with a lift would find this.
by onourway
Sat Aug 03, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do we move or add-on? Need some grounding...
Replies: 37
Views: 1973

Re: Do we move or add-on? Need some grounding...

We are in a very similar situation; 3 kids of similar age - higher income because of dual employment but higher childcare expenses as well. Anyhow, we live in a house we like very much in a neighborhood we love. We know every neighbor, don’t typically lock doors, kids walk to school and ride bikes u...
by onourway
Tue Jul 30, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: F150 Repair advice
Replies: 39
Views: 1956

Re: F150 Repair advice

What kind of warranty offers used replacement parts as the only no-cost option??

Is there any warranty at all on that replacement?
by onourway
Mon Jul 29, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7453

Re: Do you buy the highest trim car ?

I just do not get the appeal of sun roofs. Just one more mechanical thing to break - and then, something I do not want needs an expensive repair to keep the rain out. We have an older (purchased used from an individual) Camry SE with such a sun roof. Lets a lot more light into the cabin. Kids love ...
by onourway
Mon Jul 29, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7453

Re: Do you buy the highest trim car ?

Yes, generally, although on the used market where you pay only a small premium to get them - although you have to be a diligent shopper to find one with the options you are after. I generally want leather seats, the best radio, the best headlights, the safety features, etc.
by onourway
Fri Jul 26, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Worthwhile to repair Honda Push Mower or buy new?
Replies: 28
Views: 1355

Re: Worthwhile to repair Honda Push Mower or buy new?

What are your thoughts on this one if I went electric? https://www.homedepot.com/p/RYOBI-20-in-40-Volt-Brushless-Lithium-Ion-Cordless-Battery-Walk-Behind-Push-Lawn-Mower-5-0-Ah-Battery-Charger-Included-RY40180-Y/304597920 I need good power still in case I let the lawn get sort of long in between mo...
by onourway
Fri Jul 26, 2019 11:29 am
Forum: Personal Investments
Topic: Another on the right track question
Replies: 15
Views: 1203

Re: Another on the right track question

There is no reason to pay 4% interest to build credit. Use a credit card for normal expenses and pay it off every month and she'll get the same benefit. Adjusting one's 401k contributions to one's personal opinion of the short-term direction of the market is almost certain to be disastrous for one's...
by onourway
Fri Jul 26, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Help me convince the board that our company needs a budget!
Replies: 13
Views: 800

Re: Help me convince the board that our company needs a budget!

It's been working for 45 years and has worked fine. :D Seriously, if the company has been in business this long and there are no current finance issues, I'm not sure what you hope to achieve? Why do you think the company needs a budget today when it has not in the past? You must have some argument t...
by onourway
Fri Jul 26, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Worthwhile to repair Honda Push Mower or buy new?
Replies: 28
Views: 1355

Re: Worthwhile to repair Honda Push Mower or buy new?

would be helpful and give you the confidence to proceed. Replacement wheels (4) are available for $35 on Amazon or eBay (search using your model number). As mentioned, the drive may be a simple cable adjustment - search the Internet for a PDF of the owner's manual - my Honda mower explains the adju...
by onourway
Fri Jul 26, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Worthwhile to repair Honda Push Mower or buy new?
Replies: 28
Views: 1355

Re: Worthwhile to repair Honda Push Mower or buy new?

None of these are really that big of a deal - even the drive system may be an easy repair if you haven't looked in to it yet. If you have a small engine repair shop around, I bet this is $100-150 in repairs. And fixed, it'll be worth $150+, so it's about a wash. If you were going to buy new, I would...
by onourway
Thu Jul 25, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Way out of financial catastrophe?
Replies: 80
Views: 11174

Re: Way out of financial catastrophe?

I'm also confused by how you could need $1M in structural repairs on a $1.4M house. In VHCOL areas, a $1.4M house typically isn't anything special construction-wise and much of the value is in the property. In the highest cost of those areas, it may well be similar to a ~$300k home in the rest of th...
by onourway
Thu Jul 25, 2019 6:04 am
Forum: Personal Investments
Topic: Another on the right track question
Replies: 15
Views: 1203

Re: Another on the right track question

I’m a bit confused where all your income is going as well given what you’ve told us. Your stated expenses vs. income and savings don’t seem to add up. Perhaps this is related to the purchase of the home? As others have stated - - Pay off both of your car loans today. Makes no sense to carry those, e...
by onourway
Wed Jul 24, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: 2019 Honda Fit - Anyone experiencing horrific whistling sound when front windows open >45mph?
Replies: 35
Views: 2183

Re: 2019 Honda Fit - Anyone experiencing horrific whistling sound when front windows open >45mph?

The following is not directly helpful, but rather encouragement to keep looking for any sort of configuration that makes the noise go away: Our Outback has a loud drumming sound that happens with the rear windows open. It's some sort of turbulent effect that starts around 45 mph and I think continu...