Search found 1294 matches

by onourway
Wed Nov 21, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 20
Views: 350

Re: Looking for a car that can handle a long commute, any suggestions?

CobraKai wrote:
Wed Nov 21, 2018 1:29 pm
How good is it in the snow and ice?
It’s not the best car out there but as mentioned, tires are by far the most important factor here.
by onourway
Wed Nov 21, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 20
Views: 350

Re: Looking for a car that can handle a long commute, any suggestions?

Prius or Chevy Volt. Both mid-sized and excellent on fuel. I thought the Prius was a compact? I hear they are great on fuel, perhaps I will add to the list. Last time I priced them, they seemed more expensive than the other options and the cost savings on gas would be countered by the higher price....
by onourway
Wed Nov 21, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 20
Views: 350

Re: Looking for a car that can handle a long commute, any suggestions?

Prius or Chevy Volt. Both mid-sized and excellent on fuel.
by onourway
Mon Nov 19, 2018 6:12 am
Forum: Investing - Help with Personal Investments
Topic: 3-fund Portfolio Modification
Replies: 7
Views: 876

Re: 3-fund Portfolio Modification

You should not be making your future investment plans based on back-testing of certain asset classes. Adding small cap value to your portfolio does not give you nearly the same kind of diversification as adding international. I say it repeatedly here, but the fact that US companies do a lot of busin...
by onourway
Mon Nov 19, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2083

Re: New Crossover Confusion.....

An alternative option. I had a Chevy Traverse recently as a rental. I would never, in a million years, think I would like a Chevy, but this is a nice car. The cloth seats are probably the best I’ve even sat in short of a Volvo. They are really really good. In fact, the entire driving position is exc...
by onourway
Sun Nov 18, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 56
Views: 4452

Re: Best headphones under 500 bucks

I went with the Sony WH1000XM3 Wireless Industry Leading Noise Canceling Over Ear Headphones, Black (WH-1000XM3/B) (2018 model) for 348 dollars. Have had them for about a week and real happy. Sound quality and comfort are perfect for me. Good choice! Amazing noise cancelling, excellent sound and su...
by onourway
Sun Nov 18, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 1783

Re: New car - aftermarket upgrades vs higher trim

I don’t think you will get better leather or a better audio integration than you get stock for anywhere near enough savings to make it worthwhile. And you’ll lose out on resale on the back end.
by onourway
Fri Nov 16, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Why don't I read about this strategy more? [12-month moving average, momentum]
Replies: 85
Views: 11622

Re: Why don't I read about this strategy more? It seems reasonable and pretty straight forward.

Your question presupposes that for every good strategy, there must be a fun that has been "successful over the long-term." I would remind you that few mutual funds or ETFs have been around for anything that can be considered "long-term." Well, yeah, it’s hard to believe that such an easy to follow ...
by onourway
Fri Nov 16, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Why don't I read about this strategy more? [12-month moving average, momentum]
Replies: 85
Views: 11622

Re: Why don't I read about this strategy more? It seems reasonable and pretty straight forward.

There's a big distinction between the kind of market timing that many, perhaps most, individual investors practice and a rules-based, objective trend following system. Evidence is clear that over long-term periods of the past, even simple systems like the 200 day moving average would have yielded r...
by onourway
Thu Nov 15, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 1876

Re: Mesh versus Range extender

There is nothing special about Apple networking products other than they typically were well made, easy to configure and reliable. Apple products are compatible with any brand network equipment because they all operate on the same standards. Mesh networking like the Google Wi-Fi would likely be the ...
by onourway
Wed Nov 14, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: sony TV XBR49X900F $1K vs a cheaper alternative Samsung $330
Replies: 18
Views: 967

Re: sony TV XBR49X900F $1K vs a cheaper alternative Samsung $330

Does she have HD cable? Many of my older relatives have fancy new tv’s with SD cable feeds. I think it looks worse on the big new HD tv than it did on their old CRT. Many of the cheap LCD models will look really bright and saturated which looks great when competing against every other tv on a giant ...
by onourway
Wed Nov 14, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Is there an online checking account that can do these three things?
Replies: 19
Views: 1194

Re: Is there an online checking account that can do these three things?

The brick and mortar doesn't offer good checking or savings interest rates though. Its always 0.05% or something crazy low. It sounds like Alliant is a good option for you then. I, like others suggest here, keep an account at a local credit union for no cost which gives me the access to cash deposi...
by onourway
Wed Nov 14, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Is there an online checking account that can do these three things?
Replies: 19
Views: 1194

Re: Is there an online checking account that can do these three things?

Is the cash deposit option really that important? I would think the money order method suggested sounds better than choosing from a narrow selection of banks who meet these three criteria. The cost of the money order is likely outweighed by getting to choose from the many excellent banks otherwise. ...
by onourway
Wed Nov 14, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Is there an online checking account that can do these three things?
Replies: 19
Views: 1194

Re: Is there an online checking account that can do these three things?

I have been a Capital One customer for over 20 years in one way or another. For most of that time I was indifferent to them. They were a bank. Lately though they have gone out of their way to make m life difficult in numerous ways, even as I should be a more valuable customer than ever. They did awa...
by onourway
Mon Nov 12, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9631

Re: Granddaughter needs $ help for university

If you are not willing to help her out to the tune of $15k/year, $60k total, plus her sister, I would be very straightforward with what you are willing and able to do, either as a gift or a direct loan to her as outlined earlier. Do not give her everything you can afford in year 1 by co-signing for ...
by onourway
Mon Nov 12, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2066

Re: Global Entry Turnaround Time ?

No more than a week for me from application to approval. Best use of a couple hours of my time ever. Skip the lines both at customs and get the Trusted Traveller line domestic. No taking off shoes or emptying bags. It’s like stepping back in time 30 years. :D
by onourway
Mon Nov 12, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3962

Re: Feeling uneasy about recent splurge

The cost is meaningless in the long run. And a good mattress is really well worth the cost. As a competitive athlete I’ve tracked my sleep patterns daily for years. I sleep significantly better in our expensive bed than I do in our cheaper ones or on our expensive couch that is plenty large enough t...
by onourway
Mon Nov 12, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1529

Re: Would you invest CC cashback into market??

How often are the gift cards on sale for 20%? I’m thinking perhaps not that often given your balance?
by onourway
Mon Nov 12, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Running in the cold rain
Replies: 12
Views: 1359

Re: Running in the cold rain

You are going to get wet one way or another when running in the rain. Rain gear, even breathable gear, will just soak you from the inside. I would embrace the weather and know that you are better off being slightly chilly for the first 10 minutes than soaked from sweat for the rest of the run. I fin...
by onourway
Sat Nov 10, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Is NOW a good time to start ETF saving journey?
Replies: 13
Views: 1338

Re: Is NOW a good time to start ETF saving journey?

The most important thing is to start investing now, and continue to do so regularly ignoring what the market is doing. This way you will buy some high, buy some medium, and buy some low. Everyone wishes that they could buy everything at what, in retrospect, turned out to be the low point, but the re...
by onourway
Fri Nov 09, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2426

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

I would only keep the boxes if you intend to re-sell. Highest resale values on sites like Swappa tend to include the original boxes. If you need to return an item to Apple for repair, they will send you a shipping box with custom-cut foam.

We just threw out a whole pile of them in a recent purge.
by onourway
Fri Nov 09, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Transferring $ from Vanguard Settlement Fund to Checking Account
Replies: 6
Views: 431

Re: Transferring $ from Vanguard Settlement Fund to Checking Account

I would use a standard electronic bank transfer (ACH) unless you have specific reason to use a wire. A Money Market Fund like the Settlement Fund simply acts like a savings account where you must 'purchase' and 'sell' vs. 'deposit' and 'withdraw'. Tax implications are identical - so you will only pa...
by onourway
Fri Nov 09, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7157

Re: Too many choices for my next TRUCK

I would not buy the F-250 unless you specifically need its capabilities. As mentioned, it will ride much harder than the F-150 when unloaded which is likely to be most of the time from what you describe. If I were buying a truck for regular, heavy duty hauling I might look at Ford and Chevy over Toy...
by onourway
Fri Nov 09, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Automatic withdrawal with Vanguard
Replies: 24
Views: 1779

Re: Automatic withdrawal with Vanguard

We have accounts with Vanguard, Schwab, Fidelity, TIAA, Wells Fargo, Capital One, and so on. All of these sites have their own peculiarities and I don't find Vanguard's particularly worse than any of the other ones. Some of their system is a little bit dated (mobile apps, mostly) but the core functi...
by onourway
Wed Nov 07, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6646

Re: Best deals to buy iphones

Quick update on this post, as Black Friday is coming up (btw, my wife bought a refurbished Iphone 8 so I'm now looking for only one phone). I've checked deals on iphone presented during previous black Fridays, and it seems that all the offers require to subscribe to one of the big carrier's plans t...
by onourway
Wed Nov 07, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 46
Views: 4399

Re: How much money did you receive from family? (Gifts/inheritance)

I got half of a low cost in-state tuition paid for and a very inexpensive vehicle paid for when I graduated.
by onourway
Wed Nov 07, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market vs. Bonds/CDs
Replies: 6
Views: 1028

Re: Prime Money Market vs. Bonds/CDs

Do you need to spend the money today? If not, you should strongly consider staying put because this is indeed market timing. You are selling low. The increased yields are too new for you to have seen much of their advantage, but your selling price has already been depressed. Over time you will start...
by onourway
Wed Nov 07, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10556

Re: This man can predict when bubbles burst: time to time the market?

Steve, If you have this much anxiety about your finances, reading about finances all day and people who think they have figured things out is exactly the opposite of what you should be doing. You are feeding the monster. I'll echo again what others have told you earlier in this thread because it doe...
by onourway
Wed Nov 07, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to deposit my 401k rollover check from Fidelity?
Replies: 14
Views: 855

Re: Should I wait to deposit my 401k rollover check from Fidelity?

I would get it invested again asap - so long as you are comfortable knowing what investment you want it in. Treat it as though it were in the market all along. The longer you wait the more you risk getting cold feet and waiting a really long time hoping for things to go your way which could end up b...
by onourway
Tue Nov 06, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k lackluster options
Replies: 10
Views: 529

Re: Employer 401k lackluster options

I don't see anything lackluster about this selection. You have Total US, Total International and Bond index funds from two of the best options available in Fidelity and Vanguard, and at very low expense. You don't need anything else.
by onourway
Tue Nov 06, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…
Replies: 14
Views: 1859

Re: Is there any real reasonable rationale as to why the Stock Market “Collapses? when…

The major thing I see is that the market dislikes uncertainty. Wars and major mega-corps unveiled as pyramid schemes create an uncertain environment.
by onourway
Tue Nov 06, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2862

Re: Is Cloud-Based YNAB Worth It?

It’s great that you like it. Some of us like YNAB4, it works well, and we don’t want to pay more more often for something we don’t think works as well. What’s the point of adapting? It’s a tool. If it ain’t broke... I have zero issues if someone prefers YNAB 4. I have issues when YNAB 4 devotees po...
by onourway
Tue Nov 06, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2862

Re: Is Cloud-Based YNAB Worth It?

That old Rule 4 is dead and gone in the new online YNAB. RIP. It was also the 4th rule of 4 and the least important, and more of a goal than a rule. Something to work toward achieving, if you wanted to. (The new rule 4 "Age Your Money" is a bad/sad joke). Trust me, I know what I'm talking about. I'...
by onourway
Tue Nov 06, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2862

Re: Is Cloud-Based YNAB Worth It?

The method doesn't want you to be a month ahead. It's actually designed to help get people out of financial trouble and is optimized to that scenario, to the detriment of those who are in good shape, needing to create workarounds. The credit card functionality has nothing to do with being a month a...
by onourway
Tue Nov 06, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10556

Re: This man can predict when bubbles burst: time to time the market?

Many people get famous for predicting a major market event. Once.

I'm not aware of anyone who has remained famous for predicting major market events repeatedly.

The major problem is that you can be right that the bubble should burst. But it can take years for reality to catch up with you.
by onourway
Tue Nov 06, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2862

Re: Is Cloud-Based YNAB Worth It?

That makes sense. Right now I use a spreadsheet for myself and I input salary and fixed expenses on the 1st of each month. I then know what I'll have leftover and can appropriate those funds. It's rock solid for me but a little hard to get my spouse onboard. We have looked at YNAB a couple times ov...
by onourway
Tue Nov 06, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Northwest Federal 2% APY checking account
Replies: 6
Views: 657

Re: Northwest Federal 2% APY checking account

I've come to the conclusion that collecting financial accounts is a lot like collecting anything else. A lot easier to collect than to get rid of. If you are looking for a new checking account, a good interest rate might be a good part of the consideration, but I'd far rather choose a bank for a lot...
by onourway
Tue Nov 06, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1827

Re: Buying a used car

Nissan is not on the same level as Toyota and Honda for reliability, nor for fit and finish and quality. The Pathfinder is usually near the bottom reliability-wise in its class.
by onourway
Tue Nov 06, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2862

Re: Is Cloud-Based YNAB Worth It?

I start a trial account and it wants me to budget my money to pay off the credit cards rather than count those expenses as "groceries". Am I missing something? The first month you use YNAB is the most confusing because its method wants you to be at least a month ahead so you are spending last month...
by onourway
Tue Nov 06, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2862

Re: Is Cloud-Based YNAB Worth It?

Can anyone help me understand this about YNAB - I pay off each of my credit cards in full each month. I have several cards with different bonus reward categories. I'd like to explore a budget that's easy for me to setup on my spouse's phone so we can both track it. Does this work for my situation? ...
by onourway
Tue Nov 06, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - Question
Replies: 12
Views: 633

Re: Dependent Care FSA - Question

I see a lot of people doing a one time reimbursement ($5k at once). I do mine on a weekly basis so I have the reimbursement now in the amount of a week’s worth of daycare dues. I like to have that money now to reallocate. Is there any issue in doing this? My main issue would be having to file so fr...
by onourway
Tue Nov 06, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Need to liquidate $250K of investments
Replies: 5
Views: 933

Re: Need to liquidate $250K of investments

Quite a bit of that entry fee may qualify as a medical expense, so it's possible that there will not be any tax hit from selling the securities. Talk to the staff at the facility she is entering about how much of the up front payment is deductible as a medical expense. Can you expand on this? I'm a...
by onourway
Tue Nov 06, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - Question
Replies: 12
Views: 633

Re: Dependent Care FSA - Question

We file for the full $5k all at once as we have that much paid in advance for childcare (and more). That amount is then withdrawn from our paycheck over the course of the year, and we receive a direct deposit to our checking account in the same amount on the same schedule. I'm not sure it'd work lik...
by onourway
Mon Nov 05, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: 80 year old wants to invest $100k to get ~$10k annually. Options?
Replies: 22
Views: 3868

Re: 80 year old wants to invest $100k to get ~$10k annually. Options?

Big mistake selling the rental... could you expand on that? i’m just curious. there is not enough info from OP post about a rental that cost 100K generating 10k per year but i dont know enough about rentals to know what you mean. we have a ~$120k rental but still owe on it. When we are retirement a...
by onourway
Mon Nov 05, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Fund in Retirement
Replies: 5
Views: 1000

Re: Wellesley Fund in Retirement

Does it suit your chosen asset allocation?

Are you familiar with the risks of active management, and the difficulty in determining the difference between temporary under-performance and a permanent turn for the worse?
by onourway
Mon Nov 05, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12727

Re: Are we in trouble?

i don't understand the formula "need 20 times the income by age 65". maybe it applies to average incomes but not high incomes. I am positive we dont need 7 million to retire by 65. Income doesn't matter. Expenses do. You need about 25x annual expenses. On $370k of income with comparatively low savi...
by onourway
Mon Nov 05, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12727

Re: Are we in trouble?

I would lower the Chicago property's asking price aggressively enough to sell it this month. You have $200k of positive equity to work with. Do you want to sit on this property until spring and hope for the best or sacrifice some of that equity to be done with it now? I would then try to get out of ...
by onourway
Mon Nov 05, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: How to know if you’re “On Track”?
Replies: 13
Views: 2109

Re: How to know if you’re “On Track”?

There are all sorts of ways to figure this out. The simplest method, in broad strokes, is to figure that you will need approximately 25x your expected annual expenses. If you have a solid grasp on your yearly expenses now, it should be fairly easy to determine what you need to do to get there. No co...
by onourway
Mon Nov 05, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Am I buying too much house??! What kind of mortgage?
Replies: 28
Views: 5051

Re: Am I buying too much house??! What kind of mortgage?

What does it cost to rent something similar? There are a lot of additional home-owner costs above the mortgage taxes and insurance, although on a 1300sq. ft. home at this price it won't be a major additional factor. But home-ownership is a different lifestyle that you have to be ready for. Do you wa...
by onourway
Mon Nov 05, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2862

Re: Is Cloud-Based YNAB Worth It?

If YNAB 4 is still doing what you want, I'm not sure I'd bother to upgrade. The main improvements you are going to see from cloud YNAB are the automatic importing of transactions, which doesn't work 100% of the time (but works well enough for me), and the ability to access your data from multiple lo...