Search found 1185 matches

by onourway
Fri Oct 19, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 100
Views: 4203

Re: When to change tires; and what brand

For whatever reason I have 28 pounds on all four tires but in rechecking them about 3 weeks later they all gap to 37,33,33,and 31. Why and what can I do to keep them from going up. I could understand losing tire pressure but going up has got me confused. Did the weather change from being cold to wa...
by onourway
Fri Oct 19, 2018 5:50 am
Forum: Investing - Help with Personal Investments
Topic: Fiduciary using funds with a front load?
Replies: 18
Views: 1251

Re: Fiduciary using funds with a front load?

What would be so confusing by holding a single balanced or target date fund at Vanguard, especially if she isn't spending the money? If she does start to want some of the money, you can help her set up a regular automatic withdrawal to be deposited in her bank account. It doesn't get any simpler tha...
by onourway
Thu Oct 18, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Any one have a Rotimatic?
Replies: 3
Views: 463

Re: Any one have a Rotimatic?

I presume it makes a 'roti paratha' (a layered flatbread with plenty of oil - my favorite of the flatbreads). I also presume it, like all bread machines, takes out the 'work' at the expense of quality. I've never seen an automatic bread maker that makes anything better than you can make with the sim...
by onourway
Thu Oct 18, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Charles Schwab ETFs
Replies: 13
Views: 913

Re: Vanguard vs Charles Schwab ETFs

'Much lower?'

As noted, can you define what this means to you, because I'm seeing a basis point or two - not enough to worry about.

(I hold investments at both Schwab and Vanguard, FWIW).
by onourway
Thu Oct 18, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Final Decision - Housing
Replies: 20
Views: 924

Re: Final Decision - Housing

So, I don't think you're stupid to consider it, but it's a bit of a stretch. My main concern would be the single income. Are you oil and gas, being in Texas? If so, that's an extremely cyclical industry and you could find yourself looking for work suddenly in a few years, which could coincide with a...
by onourway
Thu Oct 18, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Final Decision - Housing
Replies: 20
Views: 924

Re: Final Decision - Housing

What do you owe on the current house (in other words, how much will you be increasing your debt to go to the new house)?
by onourway
Thu Oct 18, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Most economical high-quality car wash
Replies: 12
Views: 1125

Re: Most economical high-quality car wash

Only options if you are serious about a clean car is to do it yourself unless you have a ton of money to burn. A half-way decent cleaning inside and out will run $200 around here, and that will be equivalent to what takes me about an hour to do myself. I spend 2-4 hours on each vehicle several times...
by onourway
Thu Oct 18, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 100
Views: 4203

Re: When to change tires; and what brand

3/32 or so unless going into winter, then 4-5/32. stuff deleted Okay, so I have a serious question for Kenkat and the other posters that say going to 3/32 is fine. I posted how much wet weather performance a tire loses when worn down to 4/32. Do people who think 3/32 is okay: a) Not believe the AAA...
by onourway
Thu Oct 18, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 100
Views: 4203

Re: When to change tires; and what brand

With reference to the part of your post I bolded, see my other post citing the AAA research. You can't stop fast in wet weather on worn tires. I think that is asking for trouble, but perhaps that is just me. To me, on a quick review of that study, what stands out to me is that the Michelin Defender...
by onourway
Thu Oct 18, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 100
Views: 4203

Re: When to change tires; and what brand

Thanks all. A few of you commented on the reliability of tires as they wear. I am all for being safe. But practically speaking, do you know of anyone you know who had a mishap with tires being too work out ? I have driven 350,000 miles among my cars and only once has a tire blown out when I was dri...
by onourway
Sun Oct 14, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5800

Re: When to stop putting money into an older vehicle

I tend to take the long view with vehicle repairs. If you've spent $1600 this year, but nothing for the past couple of years, you are way ahead. If you will spend another $1500 on this vehicle, but that makes it last another 3 years, that's a great deal. I generally assume that keeping a vehicle run...
by onourway
Sun Oct 14, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Newer Steelcase Task Chairs
Replies: 11
Views: 935

Re: Newer Steelcase Task Chairs

Ah, when I think of Task chairs I think of the lighter-weight office chairs for more temporary seating which is why I thought it was a somewhat odd request. :) I've had a Leap for my home office for a number of years. It's a nice chair. I don't like it quite as much as my Aeron that I've used at my ...
by onourway
Sun Oct 14, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Newer Steelcase Task Chairs
Replies: 11
Views: 935

Re: Newer Steelcase Task Chairs

There are likely a wide number of possible models you could be talking about - Steelcase's lineup is different around the world, and so on. It'd probably help if you linked the specific model you were interested in. (Although this still strikes me as an obscure question even for Bogleheads :D )
by onourway
Sat Oct 13, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Better to invest in taxable and not deferred?
Replies: 31
Views: 3030

Re: Better to invest in taxable and not deferred?

Even if you believe this, you should be maxing all Roth accounts now. Then you pay income tax but no capital gains. In that case you should be maxing both your Roth 401k and your Roth IRA before investing in taxable.
by onourway
Sat Oct 13, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Best business credit card
Replies: 6
Views: 485

Re: Best business credit card

Amex Gold? Only $175 annual fee, waived for the first year with a 50k bonus. 3x points on category of your choosing, 2x points on the other 4 of 5 categories they offer. 1x points on everything else. If any of those categories align with your spending that's 3% straight cash back, 3.75% if your Amex...
by onourway
Sat Oct 13, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5901

Re: Neighbor discussing finances with me

One of my co-workers who is generally among the smartest guys I know likes to tell me how smart he is for having gotten entirely out of stocks in 2008 and having avoided the crash, saving himself 'over $300,000.' I just bite my tongue in order to avoid telling him about the ~$1M he's missed out on i...
by onourway
Sat Oct 13, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5354

Re: Weigh in on our Marital Argument =)-- HCOL edition

I'm confused. I thought you said you had two girls in the first post? How far apart in ages?
by onourway
Sat Oct 13, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5354

Re: Weigh in on our Marital Argument =)-- HCOL edition

I am confused that your annual income is 320k but your annual take home at 11k per month is only 132k. Where is all this money going? My initial thought was get the three bedroom condo - you can afford it on a $320k income but then I saw the $11k per month which doesn’t seem like it might be enough...
by onourway
Sat Oct 13, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market compared to Prime Money Market
Replies: 19
Views: 2076

Re: Vanguard Federal Money Market compared to Prime Money Market

I'm reading all of the responses and I guess I still don't understand the difference between the Federal and Prime MM Funds. If both funds are equal in regards to safety then why not choose Prime since the yield and performance is better than Federal? Based on some of the responses is it that the F...
by onourway
Sat Oct 13, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: How come I can't transfer all of my HSA cash account into HSA investments?
Replies: 3
Views: 231

Re: How come I can't transfer all of my HSA cash account into HSA investments?

You'll need to check with your specific provider. The minimum probably only applies if you want to also hold investments with them.
by onourway
Sat Oct 13, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 847

Re: Recommendation for an ergonomic chair (staples)

onourway, I do both. I have an Aeron chair and a sit/stand desk. So, I can alternate between sitting and standing. Ikea has a very good sit/stand desk. https://www.ikea.com/us/en/catalog/categories/departments/workspaces/18962/ KlangFool I too used my Aeron for years at my sit/stand desk. I install...
by onourway
Sat Oct 13, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: How come I can't transfer all of my HSA cash account into HSA investments?
Replies: 3
Views: 231

Re: How come I can't transfer all of my HSA cash account into HSA investments?

There is probably a $1000 minimum balance requirement. Every HSA account has slightly different rules, but requiring a minimum cash balance is pretty common.
by onourway
Sat Oct 13, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 847

Re: Recommendation for an ergonomic chair (staples)

I found used one in my area for $399 Model "B." Lumbar support and Tension adjustment. Is there anything else I need to watch out for, like old versus newer models? Is model B appropriate for a lean 5”7 frame? I'm about the same size and fit either an A or B size. We don't purchase new Aerons very ...
by onourway
Sat Oct 13, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1330

Re: Drop in MPG (09 Civic)

I would take it to a good mechanic (hopefully you have one). Could be many things including those already mentioned here. Could be a stuck brake caliper, bad wheel bearings, the list goes on and on.
by onourway
Fri Oct 12, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3048

Re: Home Purchase - Sellers Request Help with Repairs

I didn't read all the comments but I would vote so say "no" to helping with the cost. There is no need to get into how much the home is worth in relation to the repair. Or how much more you like the home. That has no bearing on the sellers already agreeing in writing to fix the issue. They either w...
by onourway
Fri Oct 12, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 955

Re: Electric Lawn Mower Advice

I have the Echo electric mower also sold at Home Depot (as well as their blower and weed trimmer). Very happy with all of them. The blower and trimmer are now every bit as heavy duty as the gas models I'd used previously. Super long battery life with them. The mower goes between 30-45 minutes on one...
by onourway
Fri Oct 12, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3048

Re: Home Purchase - Sellers Request Help with Repairs

How, exactly, is this 'willful neglect?' If nothing is backing up into the house, and it took an inspection and a specialist on-site to determine that there were problems with parts of the system buried underground, it is not at all surprising that the owners were unaware. If you are looking for a r...
by onourway
Fri Oct 12, 2018 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3048

Re: Home Purchase - Sellers Request Help with Repairs

I would take Watty's advice. Much more reasonable for both parties than all the flat 'no' answers.
by onourway
Thu Oct 11, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2186

Re: tablet or small laptop for general and travel computer?

Folks, in the first sentence a Windows laptop or tablet is requested.

5 out of the first 7 suggestions are for non-Windows devices...
by onourway
Thu Oct 11, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3265

Re: Best headphones under 500 bucks

Good point. It really depends on the OP's listening habits and tastes, and the system he's using. If you are listening to a high quality source on a high quality system, and if you (not to sound snobby here) have refined ears, you might hear an incremental improvement between $100 and $500. I have....
by onourway
Wed Oct 10, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3265

Re: Best headphones under 500 bucks

by that logic you must spend $1500 on a pair of shoes, as like most, you probably wear shoes 12+ hours a day. $1500 doesn't buy shoes that are any more comfortable than a pair of $20 sandals. Fancier, maybe. But no more comfortable. $1500 headphones sound dramatically better than $100 ones. It's no...
by onourway
Wed Oct 10, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use your own cards for work travel?
Replies: 16
Views: 1108

Re: Do you use your own cards for work travel?

I pay for as much as I can on my personal cards. Probably in excess of $50k/year in many cases. The vast majority of things I get 5% back on - some as much as 6.25% on really expensive plane tickets, and there are often bonuses (like currently 10% at places like Dell, Fedex shipping, etc.) I have a ...
by onourway
Wed Oct 10, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3265

Re: Best headphones under 500 bucks

wow. I cannot imagine paying $500 for a pair of headphones. Ever. regardless of how wealthy I ever was! It's a hobby like anything else. Far cheaper than things like watches, boats, ORV's, cycling, etc. That said, at work I spend 4+ hours a day with headphones on. Might as well invest in something ...
by onourway
Wed Oct 10, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3265

Re: Best headphones under 500 bucks

Sony is still making the MDR-V6 after 30 years, which means people are still buying them. Must be a reason. Flat response. Closed back for no leaking sound. Comfortable. Replace the factory vinyl earpads with some Beyer velour pads, and you will be very happy with the sound, comfort, and the left o...
by onourway
Wed Oct 10, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3265

Re: Best headphones under 500 bucks

With $500 to spend I would avoid anything that requires an amplifier. There are plenty of options that can be driven adequately from any source - and most modern phones - certainly iPhones, and many other modern devices have surprisingly good output. Adding an amp to, say, an iPhone for any reason o...
by onourway
Tue Oct 09, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 8869

Re: Finally Cutting the Cord - YouTube TV

Are you getting a less than full resolution stream? Nearly every YTTV channel is now at 60fps, at a minimum of 720p. Most are 1080p. None of those stations are broadcasted in 1080p. None of what stations? Currently watching Red Sox vs. Yankees at 1080p/60. Far, far better picture than we ever got f...
by onourway
Tue Oct 09, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 8869

Re: Finally Cutting the Cord - YouTube TV

The only downside we experienced is that sports, especially hockey, looks crummy on YouTube TV (hockey looks equally crummy on HuluTV, Sling and YouTube TV, we tried them all). The puck is much more visible on Over the Air HD. Are you getting a less than full resolution stream? Nearly every YTTV ch...
by onourway
Tue Oct 09, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3816

Re: Neighbors tree branch growing too close to my house

Talk to your neighbor. You are overthinking this.
by onourway
Tue Oct 09, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3265

Re: Best headphones under 500 bucks

You first need to decide what form factor you want - over ear or in-ear. This choice should probably be driven by where you intend to use these. If at home or at work, over-ear is probably most comfortable. If you'll be traveling a lot, especially on airplanes/trains, in-ear offer unmatched isolatio...
by onourway
Mon Oct 08, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 1847

Re: Index vs. actively managed funds....is there a good tool to compare?

There is a reason that every fund prospectus must contain the language Past performance is no guarantee of future results. It's clear you haven't yet really digested the meaning in those words. You are picking the winners for the past 10-25 years with the benefit of hindsight. What you need to do is...
by onourway
Mon Oct 08, 2018 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Case for buying individual Stocks as 10% of portfolio
Replies: 43
Views: 3177

Re: Case for buying individual Stocks as 10% of portfolio

This thread and the responses have been stewing in me all weekend. I have to speak out. The more I read Bogleheads, the more I see that they are stubbornly convinced of one and only one way of investing. They dismiss ANY diversion from that single way to invest. They will nitpick every single point...
by onourway
Thu Oct 04, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Which emergency alert system for elderly?
Replies: 9
Views: 680

Re: Which emergency alert system for elderly?

Never used it and cannot vouch for reliability, but Apple's newest watch model ("series 4") is supposed to detect falls, among other things. They've historically made consumer-friendly products - even easier for someone who happened to already use an iProduct. https://support.apple.com/en-us/HT2089...
by onourway
Mon Oct 01, 2018 5:24 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3610

Re: Used Car on Lot for Year and a Half

The general public knows Pontiac as a dead brand. They don't know that the Vibe is simply a Toyota with different styling. I can't say whether one that has sat on the lot for that long is a good buy or not, but in general, the Vibe is one of the best used car values to be had.
by onourway
Sun Sep 30, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Help me manage my day to day bills to save more!!
Replies: 45
Views: 3510

Re: Help me manage my day to day bills to save more!!

Agreed that an in-ground pool doesn't mesh well with that income and trying to save money, or with small children. If you really want to optimize your budget, I would strongly consider using the software You Need A Budget. It is subscription-based at about $80/year, but it will certainly help you sa...
by onourway
Sat Sep 29, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 22
Views: 1804

Re: Car broker

I am the OP..... and this has been a fascinating topic for me. The issue of a Car Broker- seems to be excessively subjective. Let me first say, as closely as I could determine, the deal I got with the Car Broker- was in all likelihood Between 100 and $200 difference either way. I may have saved a c...
by onourway
Sat Sep 29, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2048

Re: New Laptop setup questions

Good point. ^^ It's not even large companies anymore. If your employer or school of any size provides you with an Office subscription, you are likely entitled to use it at home under the same license.
by onourway
Sat Sep 29, 2018 6:12 am
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2048

Re: New Laptop setup questions

1. Edge is great for battery life and smooth scrolling, but it’s still extremely unreliable. It crashes frequently with no way to restore your session, and it’s still incompatible (often in ways that are frustratingly difficult to detect) with many websites. I would choose Firefox over Chrome. It’s ...
by onourway
Sat Sep 29, 2018 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Pay extra on mortage if I'm already maxing 401k and Roth?
Replies: 16
Views: 2280

Re: Pay extra on mortage if I'm already maxing 401k and Roth?

As you can see this is a highly personal decision and there is no ‘best’ answer. In our case I stopped paying extra on the mortgage because we’re 5 years into a 15-year term, the interest rate is very low, the payment and total balance are very low relative to our income, and I’m trying to bolster o...
by onourway
Fri Sep 28, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Counterfeits benefit Amazon
Replies: 14
Views: 1427

Re: Counterfeits benefit Amazon

I think this is Amazon’s largest long-term risk at this point. A growing number of consumers (including myself) are growing wary of Amazon because we can’t trust what we are getting from them. I’ve heard the same concern echoed among friends and coworkers. That may be good for numbers in the short t...