Search found 199 matches

by multiham
Thu Dec 13, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 99
Views: 4415

Re: Volkswagen Reliability

2016 VW R - 26,000 miles nothing but regular maintenance. Most fun car I have ever owned (including BMW Z4) 2008 Toyota Highlander - Had to donate to charity at 125,000 miles as they car just died and was going to cost over $7,000 to "Possibly fix". This car was seen by multiple Toyota dealers and 1...
by multiham
Wed Dec 12, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 45
Views: 4937

Re: New job, sales at Subaru

Few pieces of advice: Listen, truly listen to what the customer needs. I'm in sales (not car sales) and I listen way more than I speak. Please do not assume that if a couple comes in to buy a car, that you should immediately gravitate to talking to the man. This has happened to my wife and I multipl...
by multiham
Sat Dec 08, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2498

Re: New QUIET Tires for Accord

Question for the op. Why did you buy the sport version of the Accord? Just asking, because if it was for performance, you are really going to give up some grip and feel with touring tires. I have a VW Golf R which has 4 wheel drive and a lot of horsepower. I have both summer tires (these would not m...
by multiham
Fri Dec 07, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 1984

Re: Do I have a rebate, subsidy, savings for you!

Grocery Store: Not sure what changed. If you know your prices and your values you will recognize that many of the sales and specials are only to try to get you to buy certain brands, certain foods, certain items WHILE there are a few gems in the sales - a few loss-leaders worth buying. Not sure how...
by multiham
Fri Dec 07, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 1984

Re: Do I have a rebate, subsidy, savings for you!

Grocery Store: Not sure what changed. If you know your prices and your values you will recognize that many of the sales and specials are only to try to get you to buy certain brands, certain foods, certain items WHILE there are a few gems in the sales - a few loss-leaders worth buying. Not sure how...
by multiham
Fri Dec 07, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3555

Re: Root Canal - dentist or endodontist

I would vote for the Endodontist. To me, this is just another revenue stream your dentist is trying to tap into. Just like many dentists are trying to get into braces (especially Invisalign)
by multiham
Fri Dec 07, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12600

Re: Who else is getting excited?

No, not excited to lose money. I get excited when I make money. Sometimes I think these type of posts greatly underestimate the potential risk out there. The past down turns and very fast recoveries have spoiled current investors. If you look at what happened in the Great Depression and still get e...
by multiham
Sun Nov 25, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Thank you for your thoughts. Credit Quality = AA- by S&P and Aa3 by Moodys Average credit quality = AA 35% Corporate, 31% Mortgage, 24% Treasury, 27% corporate, 25% securitized including MBS, 41% Treasury, 4% Government Related, 4% Asset Backed, 2% Other 6% other government related No benchmark use...
by multiham
Sun Nov 25, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Although you have already said that all funds have an expense ratio less than 0.50% (low enough to be useable), it would help if you added the expense ratio for each fund. Expense ratios are very important in selecting funds to use. If there is a brokerage option in your 401k, find out what fees ar...
by multiham
Sun Nov 25, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Do you have accounts in addition to your 401k? It is often better coordinate investments across all accounts, in other words treat all accounts together as a single unified portfolio, rather than view each account separately. Can you post links to the fact sheets for the three fixed income fund cho...
by multiham
Sun Nov 25, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Thank you for the help! For the bond fund, wasn't worried about default. I had just done some reading on here that in times of uncertain inflation, to keep the bonds duration low. Wasn't sure if an average duration of 3 to 6 years met this recommendation. Just for some extra info. The Intermediate ...
by multiham
Sat Nov 24, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Thank you for the help! For the bond fund, wasn't worried about default. I had just done some reading on here that in times of uncertain inflation, to keep the bonds duration low. Wasn't sure if an average duration of 3 to 6 years met this recommendation. Just for some extra info. The Intermediate f...
by multiham
Sat Nov 24, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

“Fixed Income Fund - Fund invests in contracts with various maturities issued by carefully selected, high quality life insurance companies“ That sounds like a stable value fund, or a collection of them. If you can view historical performance and see consistently small positive (e.g. +2% or +3%) ret...
by multiham
Sat Nov 24, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Do you have accounts in addition to your 401k? It is often better coordinate investments across all accounts, in other words treat all accounts together as a single unified portfolio, rather than view each account separately. Can you post links to the fact sheets for the three fixed income fund cho...
by multiham
Sat Nov 24, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

Please post the fund names with expense ratios. Also, post more about your situation (how much you have saved, whether you live in HCOL area, etc.) These are run by a number of Investment Managers and there are no fund names (Literally they are called by names such as Fixed Interest Fund, Diversifi...
by multiham
Sat Nov 24, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

Re: 401K Choices - 53 and Looking to retire within 2 to 4 years

I have to say I don't know how you should reallocate. "Top sectors, high quality, diversified mix".... are all pretty meaningless and incomplete information here. Most of us would be looking for various index funds with low costs that could be apportioned to somehow to cover the world market. (in c...
by multiham
Sat Nov 24, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: 401K Choices - 53 and Looking to retire within 2 to 4 years
Replies: 21
Views: 1686

401K Choices - 53 and Looking to retire within 2 to 4 years

Current situation Married and 53 2 kids with 529 plans to help cover part of in-state tuition (currently both still in High School) Maxing out my 401K contributions including catch-up (over 50 years old) Work for a mega-corp who uses investment managers such as State Street Advisors and JP Morgan t...
by multiham
Thu Nov 22, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5136

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

How good is it in the snow and ice? [/quote] I'll change that question to how good of a driver are you in snow and ice? The 2 big factors for the type of cars you are looking at are proper tires (winter) for the conditions and your ability to drive in the conditions(anticipation, proper braking, kno...
by multiham
Sat Nov 03, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4899

Re: Engineering school

As a hiring manager (not engineering) for a mega-corp, college name DOES matter for your first job. Once you have full time experience (not internships, co-op's), the significance of your school name decreases. Once you have about 5 years of relevant experience, it really doesn't matter unless you a...
by multiham
Sun Oct 21, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8733

Re: Quitting w/o notice

Sorry if I missed it, but I don't believe the OP said what line of work they are in. I work for a mega-corp and would seriously think about giving 2 weeks notice. The reason I say that is because the job market is really connected these days. Take a look at LinkedIn. There is hardly any companies in...
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: 7356

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: 3821

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: 3821

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: 5622

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: 8809

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: 6682

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: 6682

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: 2297

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: 3003

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: 9033

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: 9033

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: 9033

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: 615

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: 6061

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: 5745

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: 2129

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: 5067

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: 8752

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: 1084

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: 4836

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: 9478

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: 9478

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: 3882

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: 3882

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: 3882

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: 3882

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: 3882

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: 3882

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: 3882

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: 3882

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...