Search found 179 matches

by multiham
Fri Oct 12, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7034

Re: My life saved by New subaru. Almost died.

OP - Glad everything worked out well for you. Unfortunately, you can only control your actions and not the driving of others. Glad they were able to find the "emergency exit" I'm a big fan of technology that helps with driving. It is nice to know that these systems are there scanning the road ahead ...
by multiham
Fri Sep 21, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3750

Re: Bathroom and Basement Remodel Costs

1. Agree with everyone that said a drywalled ceiling should be avoided. We have one and it has been a pain whenever work has need to be done. I'm confused by this. I don't know anyone who puts a drop ceiling on first or second floor of a house, yet I've lived in several houses with plumbing in betw...
by multiham
Fri Sep 21, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3750

Re: Bathroom and Basement Remodel Costs

Only 2 comments from me 1. Agree with everyone that said a drywalled ceiling should be avoided. We have one and it has been a pain whenever work has need to be done. 2. I'm assuming you want to do these projects more for your enjoyment than return on investment. If this cost gets you what you want a...
by multiham
Fri Sep 14, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5482

Re: [Wearing] Shorts in Egypt

Talked to a friend from work whose family still lives in Egypt. His advice is to wear long pants if you do not desire to stand out. Just as you are seeing in the replies to your post, some people care about things like this while others don't. This is actually one of my biggest pet peeves. I know it...
by multiham
Sun Sep 09, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8497

Re: Can Sneakers go with Business Casual?

If its not called out in the policy, than I say sneakers are fine. I'm also with the op on this one. Dress codes drive me crazy. However, I always follow them as I'm not the owner of the company I work for. In my opinion, if the owner says the dress code is black tie, I have 2 choices, conform or qu...
by multiham
Sat Sep 01, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6539

Re: Lexus vs. Mercedes

I think you've received a lot of good advice. I already replied on my thoughts on how to compare costs. I'm going to use words that typically are not used by those that review cars for a living. Lexus - Really reliable. Rides like you are floating on a cloud. Steering is a little soft which means to...
by multiham
Fri Aug 31, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6539

Re: Lexus vs. Mercedes

I may be wrong, but the op strikes me as someone (like myself) that will take the car to the dealership for service. I would gather some facts on these cars. I would go to both the Mercedes dealership and the Lexus dealership and have their service advisor walk you through their recommended maintena...
by multiham
Fri Aug 31, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 28
Views: 2220

Re: Home Audio Advice

Not sure if Best Buy charges to come out for estimates, but if not, just tell the tech what you are looking for. Tell them you are in the process of getting 3 quotes and to put everything in writing. Have them explain why they need everything they recommend. I'm very good at hooking up A/V equipment...
by multiham
Fri Aug 24, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: What would you do - Car Question
Replies: 41
Views: 2957

Re: What would you do - Car Question

As at least one other person said, the 4.7L engine in your car is a workhorse! I just purchased a used 2006 Lexus GX470 which is the Lexus version of the 4 Runner. I immediately had the timing belt and water pump changed, the rear brakes done, and the oil and filter changed. Since you did the timing...
by multiham
Sat Aug 18, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8802

Re: Edward Jones rep door knocking

Also, I believe you are using a logical fallacy known as a "False Dichotomy", proposing it's an either/or. You did that here: isn't it better to be invested in a high expense ratio investment than continuing their trend of not investing? source (see number 4): https://thebestschools.org/magazine/15...
by multiham
Sat Aug 18, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8802

Re: Edward Jones rep door knocking

There are appropriate instances for using advisors including EJ. Very uncharitable to castigate an entire profession and company based on biases grounded in limited personal experiences or attachment to DIY. Totally agree even though I personally don't use anyone to invest my $. While EJ is not for...
by multiham
Sat Aug 18, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8802

Re: Edward Jones rep door knocking

I would like to ask a question without getting roasted over a fire. If you belong to this forum you are usually pretty knowledgable on investments and the importance of saving. I continuously read on here that Edward Jones is basically evil and that 99% of people don't need to have a financial advis...
by multiham
Sat Aug 18, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: 529 accounts - overfunded?
Replies: 4
Views: 608

Re: 529 accounts - overfunded?

I don't believe you are overfunding. Even if we eliminate private schools, your children may still be interested in an out of state public university. We live in PA and my oldest is looking at going to school in the SouthEast. The average cost of the Public Universities he is looking at (Clemson, Un...
by multiham
Fri Aug 17, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 5718

Re: physics/math major looking for programmer/analyst job?

While I agree that data scientist is a hot field right now, please don't think a couple of Coursera courses in Tableau/Power B-I are going to get you a job at a mega-corp. Where I work, the data scientists all have advanced degrees, strong skills in Statistics, strong business skills, and the abilit...
by multiham
Thu Aug 02, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5564

Re: ACT test - got 34, try for 36?

Stop the madness! We are going through this process right now as I’m writing this at a hotel near Clemson. Do your research on the schools your son/daughter is interested in attending. Each schools website will tell you if they super-score the SAT (most do), the ACT (most don’t) and typically what t...
by multiham
Sun Jul 15, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 2003

Re: Kitchen Remodel

DW and I like to cook at home. Decide to remodel the kitchen. We will replace the electric range to nature gas range (Wolf Viking or La Couner), add powerful hood, replace dishwasher to Bosch. Add a subzero fridge. Will need to change the floor material and tile wall. Any recommendations? Thanks. J...
by multiham
Sat Jul 07, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4919

Re: Which advanced tech is necessary in cars?

Technology doesn't get tired or distracted or emotional. No matter how good a driver you *think* you are, you are still human. So the tech serves a legitimate purpose, even for all the naysayers on this thread. Not to mention all the drivers out there who are clearly not safe drivers, the tech save...
by multiham
Thu Jul 05, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8550

Re: Tipping at non sit down places

I'll tip $1 at places like Chipotle and Panera as long as the person at the register was friendly and competent. My son is working to save $ for his college fund and many of the people I see working are classmates of his. While I know my small tip doesn't amount to much, I'm always going to support ...
by multiham
Sun Jun 24, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Car for my grand daughter
Replies: 13
Views: 1076

Re: Car for my grand daughter

Just remember that bargain car may cause her to be stranded in some place that is not safe. Save up a little more and get her a more reliable less worn-out car or tell her she'll just have to wait a little bit longer that you don't want to put her safety at risk. In my opinion, this is great advice...
by multiham
Tue Jun 19, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4782

Re: Shorting Amazon

Is their primary market really retail? I thought they made more with AWS these days than in retail - only rivaled by MS Azure (if you don't know what I'm talking about you need learn to do some research before deciding to short a stock). My exact thoughts. Plus if you have ever tried to deal with t...
by multiham
Tue Jun 19, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9387

Re: Which Supermarket are you?

Released 4 days ago. List of shoppers favorite supermarkets. http://www.supermarketnews.com/consumer-trends/wegmans-publix-top-list-shoppers-favorite-grocery-chains 1. Wegmans 2. Publix 3. Trader Joes 4. Aldi 5. H-E-B Obviously smaller regional supermarkets wouldn't show up unless the survey was he...
by multiham
Tue Jun 19, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9387

Re: Which Supermarket are you?

Lidl opened here recently nearby. And immediately became our "go-to" store. Much better than the Aldi's which has been around for years, though, to be fair, Aldi's here is not in the best part of town. I'm so excited to hear this! We have a Lidl that's supposed to open soon--lot is cleared, road pu...
by multiham
Mon Jun 11, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

Yes. I think you can do it, without even being nervous about it. So the only reason to work until 55 is to be able to buy health insurance at current employee rates? That is a great reason to work until that age and will save you a lot of money until you can get Medicare. The medical is definitely ...
by multiham
Mon Jun 11, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

Have you looked at FIRECalc to see how your retirement savings would fare against historical market returns? https://www.firecalc.com/ Based on the numbers in your original post you could reasonably spend $123k per year. Thank you. I did run and it’s a hard to believe that it’s looking like I can m...
by multiham
Mon Jun 11, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

Thank you everyone for your comments! I’ve learned so much on this site. I don’t know if everyone else feels the same, but it seems only yesterday that I was in college and thinking about 1st job. Now, I’m thinking about next phase of life. Just seems strange. While it’s still a couple of years away...
by multiham
Mon Jun 11, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

Enough for 4 years of college at in state rates for the kids? How does moving to a new state affect this since your state of residency will change? Have put away enough for most state schools that my kids are interested in going to. Does not have to be in-state. My first is looking at the State Col...
by multiham
Sun Jun 10, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

That's a nice pension even without the COLA. I'd say your health care estimate is about right considering the state of ACA. Housing costs, kid's college (or boomerang), aging parents needing support? Looks good to me and I'm more glass half empty. The breakdown by Hornedtoad above is a good way to ...
by multiham
Sun Jun 10, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

Looks great! Congratulations on your hard earned successes. 1 Would you be able to survive any "personal or financial black swans" that come your way? 2 Are you considering moving from HCOL to LCOL and/or downsizing to cut expenses? 3. Search the archives/threads for "sequence of returns risk". 4. ...
by multiham
Sun Jun 10, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

Would like to understand if the group believes I can retire in 2 years at 55 Situation $1.7 million in 401K $400,000 in Taxable Accounts Will contribute another $60,000 to 401K before retirement and additional $30,000 to taxable Pension worth $56,000 per year (NO COLA) if I start taking in 2020 and...
by multiham
Sun Jun 10, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

The largest factor is your budget and lifestyle. Do you want to sail the Caribbean or tour Europe? Do you go out to fancy restaurants or play golf everyday? Living below your means is as important as ever in retirement. Many would call my lifestyle a little boring! I definitely do not live a life o...
by multiham
Sun Jun 10, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Re: Retire in 2 years at 55 - Can I do it

House paid off? Medical insurance covered from former employer. To be safe, work extra years more even part-time with medical insurance coverage. House will be paid off. If I make 55 at the megacorp I work for, I get to buy benefits at current employee rates. This will be about 15% of the $35,000 I...
by multiham
Sun Jun 10, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 3853

Retire in 2 years at 55 - Can I do it

Would like to understand if the group believes I can retire in 2 years at 55 Situation $1.7 million in 401K $400,000 in Taxable Accounts Will contribute another $60,000 to 401K before retirement and additional $30,000 to taxable Pension worth $56,000 per year (NO COLA) if I start taking in 2020 and ...
by multiham
Fri Jun 08, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 3350

Re: Porsche Macan

Love your choice in cars! My experience goes all the way back to 2009 so not sure it is still relevant. Wanted a Boxster S and thought it was going to be like any other car negotiation I had ever done. I would start by offering at least 10% off sticker price and then play the game of offer/counter o...
by multiham
Fri Jun 08, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5626

Re: daughter wants a college transfer?

Ultimately, it is her decision to transfer or not. You can make suggestions, hold back funding(if you are paying), and say no, but it is her life and she will have the final say. If you have talked to her and she is still 100% into transferring, spend your energy helping her find the right school. Y...
by multiham
Sun Jun 03, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy at 55
Replies: 16
Views: 3129

Re: Investment Strategy at 55

I would be extremely careful in making these changes for 2 main reasons: 1. You don't want to be "blamed" if your suggested moves do not work out and her overall investments decline. I know the investments would probably decline at ML also, but that was her choice to go with them. 2. Some people jus...
by multiham
Sun Jun 03, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 619
Views: 75278

Re: How much money do you want to retire?

2 million would be great. 53 years old, spouse is 50. My goal is to have the ABILITY to retire the day I hit 55. If I’m enjoying my work, I’ll stay 2 more years. If not, I’m retiring. Here is my rationale. 1. Megacorp goes through 1 or 2 layoffs per year. Had enough of that stress. 2. Have built con...
by multiham
Sun May 20, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help Selling Stock to Diversify
Replies: 9
Views: 572

Re: Help Selling Stock to Diversify

A. Selling shares that will generate a small ($1,500) short term loss B. Selling shares that will generate a long term loss ($250) and some short term loss C. Selling shares that will generate a long term gain (I have long term shares with a cost basis ranging from $30 to $110 while the stock is se...
by multiham
Sun May 20, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help Selling Stock to Diversify
Replies: 9
Views: 572

Re: Help Selling Stock to Diversify

If you are already over NIIT ($250k for a couple), I'd just sell a lot but definitely stay under the $479,000 threshold where the 15% cap gain changes to 20%. If you are over NIIT, you will pay 18.8% on the long term gains no matter how much you sell (if you stay under $479k). There is no financial...
by multiham
Sun May 20, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help Selling Stock to Diversify
Replies: 9
Views: 572

Re: Help Selling Stock to Diversify

Thank you both for the help. I am going to read up on the Net Investment Tax. I have to remember to not let the tax implications make all of my decision.
by multiham
Sun May 20, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Help Selling Stock to Diversify
Replies: 9
Views: 572

Help Selling Stock to Diversify

Over the years, I have acquired stock in the company I work for. Some of the shares go back to 1990 when I first started working for them. I have always known that I shouldn't have a high percentage of my net worth in the same company that I rely on for my job. My plan is to sell some each year over...
by multiham
Fri May 11, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Dealer sold me a Certified Vehicle invloved in a prior collision
Replies: 23
Views: 3063

Re: Dealer sold me a Certified Vehicle invloved in a prior collision

My only question is who does the inspection and maintenance to have the car classified as CPO? IMHO if it is the selling dealer, their inspection of the vehicle would have uncovered that the car had been repaired. Do agree that just because a car is CPO, that does not mean it was never in an accident.
by multiham
Sat Apr 28, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 3321

Re: When would you replace a car?

You will have enough to worry about, stress over, etc with a new baby. Get a new or newer car that has all the features you are looking for. Just imagine after countless nights of not getting enough sleep, you have a day where you need to go someplace. You spend the 15 minutes getting the baby ready...
by multiham
Thu Apr 19, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 36
Views: 4164

Re: Negotiating for a new Toyota.[my fault comparing apples and oranges]

Camry's had cash back and 0% interest for 60 months in March. This month Toyota is trying to move Corolla's which have $1,500 cash back and 0% financing for 60 months. If you can wait, my guess is that the cash back on Camry will happen again over the next couple of months. My local dealer told me t...
by multiham
Thu Apr 05, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 5825

Re: Microsoft tech support scam - how to recover?

I used to get these calls all the time. One time I decided to play along. Got a call and it was Microsoft Tech support telling me that my computer was throwing off mad errors. Told the scammer that I did not have a computer. He told me everyone has a computer, either a laptop or a desktop and one of...
by multiham
Sun Mar 18, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car buying strategies with new safety technologies
Replies: 71
Views: 5792

Re: Bogleheads car buying strategies with new safety technologies

I'm a fan of technology. Just test drove a Subaru Crosstrek yesterday with the Eyesight system and Rear Automatic Braking. With all the bells and whistles. I will probably spend about $4,000 more for the car than I would for a base model with some options I want. I will continue to drive with the sa...
by multiham
Sun Mar 11, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6711

Re: Huge special assessment on Condo?

I've owned 2 condos over the years. The HOA board has always been able to tell us where the funds from projects are coming from. They should know how much is coming from reserves versus how much additional they will need to collect (if any). Also should be able to tell you how they will handle the s...
by multiham
Sun Mar 11, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 12024

Re: Ok fellow bogleheads, was the correction scary or nothing?

Well I admit that I found the dip scary. I'm 59 yo and looking to retire in the next 3 years. I had no worries during 2008, but then the number of years to retirement was greater and I was confident that I would likely recoup my losses in the next 10-15 years. Not so this close to retirement. As a ...
by multiham
Mon Mar 05, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6380

Re: Which car, Porsche Cayenne or Volvo XC90?

I vote for the Porsche. I've driven both and the Porsche for me was just a better driving car. Had a better feel of the road. The Volvo was nice, but it seemed to "float" through turns to me. No real feel. I like an SUV that does not have body roll when you enter a turn a little aggressively. The Po...
by multiham
Sun Mar 04, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Whole House Natural Gas Generator
Replies: 110
Views: 7669

Re: Whole House Natural Gas Generator

I do not view my whole house natural gas generator as something that will increase the value of my house. I do think there are certain people who have experienced extended power outages and if my house and another are in their consideration set, may help sway them my way. We just lost power for abou...
by multiham
Tue Feb 20, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 3066

Re: Trade my BMW?

I've had great experiences with 2 BMW's, so I don't understand the bashing. Not sure what you are trying to accomplish as you are looking to trade an SUV on either a passenger car (Camry) or another SUV (4-Runner). Do you need the space and functionality of an SUV or is a car ok? The 4-Runner will n...