Search found 210 matches

by multiham
Sat Jan 12, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7336

Re: Engagement Ring (Affordable)

I would shop around at local jewelers, visit the large cities if you are close, and talk to others about where they got their rings. Only you and your fiancee know what you want. I think one of the best parts of our engagement was the surprise of the proposal. It was not a surprise that I would ask ...
by multiham
Mon Jan 07, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2767

Re: Balsam Hill - Defective Christmas Tree

Unfortunately, freight shipments are difficult. A lot of their freight business is delivered to businesses that have loading docks and are used to dealing with pallets, etc. I have received many shipments via freight so I always call up the freight company (they usually call you to schedule anyway) ...
by multiham
Sun Jan 06, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Best way to move on from pricy car?
Replies: 35
Views: 2302

Re: Best way to move on from pricy car?

I really like your plan of action. Get this fixed, and then drive it until the warranty expires. If it has been relatively trouble free and you still love it, keep it. If not, trade it in or sell it yourself. Based on your posts, the cost of the car is not an issue so enjoy the car! There was someth...
by multiham
Sun Dec 30, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Corvette vs Cayman/Boxster......anyone owned both?
Replies: 57
Views: 4560

Re: Corvette vs Cayman/Boxster......anyone owned both?

Have only driven the Porsche's. Loved both of them although I liked the handling of the Cayman slightly more. I do know that the Corvette is included in the current Chevy employee discount program. Not sure what models or what the savings are, but might be worth finding out. There are many people on...
by multiham
Fri Dec 28, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8943

Re: How to afford a sports car?

https://www.bogleheads.org/forum/viewtopic.php?t=214509 One of the easiest ways to save money is buying an inexpensive car. I'll explain: The savings from buying a less expensive car are enormous. For example, Edmonds give the estimated five-year True Cost to Own of automobiles sold in the United S...
by multiham
Fri Dec 28, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2369

Re: Why do people buy- performance cars?

I would say if you have to ask, you probably don't want a performance car. I have what I would consider to be a "low level" performance car. It is a VW Golf R. 292HP or so in a very light, 4 door, all wheel drive car. I enjoy the drive from the moment I turn it on and hear the rumble of the engine, ...
by multiham
Fri Dec 28, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5483

Re: FAFSA - is it worth filling out?

I took me about 1.5 hours to complete for the first time this year. Did the link to the IRS so that a good chunk of the financial information would be provided by IRS. Knew that we would not qualify for Financial Aid, but one of the college's my son applied to required it for a merit based scholarsh...
by multiham
Fri Dec 28, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Economy car vs Luxury - confirmation of a good decision
Replies: 29
Views: 1674

Re: Economy car vs Luxury - confirmation of a good decision

Sorry for the rambling of my comments here, but after all these justification posts, I wanted to provide my thoughts. There is no such thing as free maintenance - The cost of BMW or Toyota or anyone else providing you complementary maintenance is buried in the cost of your car. This holds true with ...
by multiham
Wed Dec 26, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9310

Re: What common everyday inconvenience have you intentionally suffered for frugality?

I drove a 1996 Corolla into the ground. I bought it from my daughter in 2008 for $3K. It was overpriced but it was my daughter so I didn’t care. Eventually the gas tank sprung a leak but it was at the top so if I didn’t fill the tank all the way it wouldn’t slosh out. Then the volume knob fell off ...
by multiham
Thu Dec 20, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1190

Re: Tax Loss Harvesting Question - Simple

Are your accounts set to automatically reinvest dividends? Do you own additional shares of VXUS? If so, you would want to change to not automatically reinvest in order to TLH. Good luck Thank you! They were set for auto reinvest and I stopped that. Yes, that is all the shares of VXUS I have. Apprec...
by multiham
Sun Dec 16, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1190

Tax Loss Harvesting Question - Simple

I have about 48 shares of Vanguard Total International Stock Index Fund (VXUS) in a Taxable account. Right now, all the lots of this ETF has lost $. I have $75 of Short Term losses and $175 of Long Term Losses. According to Vanguards site, the estimated declaration date for this fund is 12/20, with ...
by multiham
Thu Dec 13, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5364

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: 62
Views: 7692

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: 2599

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: 2047

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: 2047

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: 3672

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: 13010

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: 1729

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: 1729

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: 1729

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: 1729

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: 1729

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: 1729

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: 1729

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: 1729

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: 1729

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: 1729

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: 5221

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: 83
Views: 7125

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: 8816

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: 7417

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: 3848

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: 3848

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: 5669

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: 8920

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: 6776

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: 6776

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: 2325

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: 3013

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: 9240

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: 9240

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: 9240

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: 621

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: 6261

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: 5813

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: 27
Views: 2886

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: 5099

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: 8771

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: 1095

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...