Search found 123 matches

by Beach
Mon Sep 17, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2000

Re: $180 IPhone SE or $90 Iphone 5S

Happy SE owner here. Not looking forward to upgrading to a big faced phone, this is the perfect size.
by Beach
Wed Sep 05, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: MINT Software Or Other For Budgeting/Tracking
Replies: 20
Views: 1388

Re: MINT Software Or Other For Budgeting/Tracking

YNAB, but we have the old version and don't pay anything. Not sure I would pay for service now.
by Beach
Thu Aug 30, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Big change in HOA - questions to ask, rights of homeowners?
Replies: 12
Views: 1837

Re: Big change in HOA - questions to ask, rights of homeowners?

Your only option is to go to the meetings and become involved if you want change. Also, don't be the angry, grumpy homeowner to the existing board of directors. You will only make things worse and is the best way of not getting what you want. More than likely, the bank doesn't want to be involved wi...
by Beach
Mon Aug 27, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Odyssey Ex-L - new or certified used?
Replies: 35
Views: 2311

Re: Honda Odyssey Ex-L - new or certified used?

Don't limit your search by looking at used cars locally. I saved thousands by taking a plane ride and driving it home.
by Beach
Tue Aug 21, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: BH Career advice
Replies: 18
Views: 1690

Re: BH Career advice

Agreed...can you take a step back in the business? Maybe sell off part of the business but stay in as a minority owner?
by Beach
Mon Aug 20, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: ICE or a hybrid car
Replies: 31
Views: 1966

Re: ICE or a hybrid car

I switched to a Prius last year (non plug in, just normal hybrid). I have been pleasantly surprised and consistently average over 50mpg. It can be peppy in the power mode but you still know its a Prius. I know I could have a potential $1k expense for battery replacement at any point but it may or m...
by Beach
Fri Aug 17, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: ICE or a hybrid car
Replies: 31
Views: 1966

Re: ICE or a hybrid car

I switched to a Prius last year (non plug in, just normal hybrid). I have been pleasantly surprised and consistently average over 50mpg. It can be peppy in the power mode but you still know its a Prius. I know I could have a potential $1k expense for battery replacement at any point but it may or ma...
by Beach
Mon Aug 13, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 7265

Re: Mid 30s Crisis: Personal budget, savings and goals

It’s actually 98-99the percentile if you look it up. Where do you look it up? https://dqydj.com/net-worth-by-age-calculator-united-states/ I realize other posters beat me to it, probably using the same tool. Is the proper way to calculate this by subtracting your mortgage debt from your savings? Or...
by Beach
Wed Aug 08, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1398

Re: Applying for jobs out of state

We lived in Florida 4 years ago and moved to Tenn for our current employment. We now want to move back but do not wish to move back without relocation assistance. Back when I was interviewing for jobs in other states, I always included a brief cover letter stating why I wanted to move to that locat...
by Beach
Wed Aug 08, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7259

Re: When is leaving your job that pays well a good idea?

My college buddy is in your same boat. Director level, making really good money, no kids and decided to take a sabbatical. Now he is just goofing off for 6 months resetting himself. I hope it works out for him, you may want to see if your employer might allow you an extended time off (perhaps unpaid...
by Beach
Wed Aug 08, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1398

Re: Applying for jobs out of state

I doubt it's your distance. If a company didn't want to pay for relocation they wouldn't offer it. Why would they care how you got to the interview? If anything, someone from the area with ties coming back home is an advantage. If this is a desirable location then it's probably competitive. Also, a...
by Beach
Tue Aug 07, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1398

Re: Applying for jobs out of state

Most companies require you put your address when filling out online applications. Not a bad suggestion though regarding the address, I think I will remove it from my resume. Luckily I still have my Florida phone number. Thanks!
by Beach
Tue Aug 07, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1398

Applying for jobs out of state

Hi, My wife and I are trying to move back home to Florida after taking jobs at MegaCorp and living in TN for the past 4 years. However, we are not getting interviews and wondering if us being out of state is affecting us and companies not wanting to pay relocation. Is this an issue with companies in...
by Beach
Mon Aug 06, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3 vs keeping my M235i.
Replies: 50
Views: 3175

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

I'd look into the slightly used Model S market IMO. There are rumors of people getting shoddy quality on their Model 3's due to Tesla struggling to meet production targets. https://www.tesla.com/inventory/used/ms Edit: I am pointing this out because you aren't getting the $35K Model 3, if you are ab...
by Beach
Fri Jul 13, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2258

Re: Replace water heater at end of warranty or repair?

Got gas? Go Tankless...you won't regret it.
by Beach
Thu Jul 12, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Tick Tubes and boxes. Permethrin Fipronil
Replies: 22
Views: 1989

Re: Tick Tubes and boxes. Permethrin Fipronil

https://www.doyourownpestcontrol.com

https://www.domyown.com/


Both of these sell everything the pro's have. You can get Bifen for tick control.
by Beach
Fri Jun 22, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Fund Yield reached 1.99% today
Replies: 18
Views: 3897

Re: Vanguard Prime Fund Yield reached 1.99% today

I make 1.65% in my Ally, why should or shouldn't somebody like me switch?
by Beach
Fri Jun 22, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Income Annuities
Replies: 20
Views: 1256

Re: Income Annuities

If you die tomorrow, are you ok with losing out on your lump annuity payment and not leaving it to somebody? Please correct me if I am wrong, but isn't that how these things work?
by Beach
Tue Jun 19, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: 0% credit card interest for lawnmower
Replies: 15
Views: 896

Re: 0% credit card interest for lawnmower

why not a rewards credit card instead? what mower brand are you getting? I have a rewards card now I pay off every month but baiscally want a free loan so I can comtinue to pay extra on student loans. I have looked at the commercial kubotas and scags but cant justify spending that much for a mower ...
by Beach
Fri Jun 15, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1570

Re: Cheap, fuel efficient 2nd car commuting?

You can get a relatively low mileage, no frills Honda Civic in this range. While I spent a little bit more than $8K on my "transportation mobile", I also put in aftermarket leather and heat seaters which made it feel much nicer. Do a nationwide search, there are deals out there. I bought a plane tic...
by Beach
Wed Jun 13, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 38599

Re: Bogleheads, tell me about your 40's?

About to turn 38, I feel like the physical stuff is already happening to me (minus the eyesight). I keep telling myself I want to be the "40 best shape of my life" type of guy but still putting it off. I used to live by the ocean and surf alot, moved inland and just can't find the motivation to do a...
by Beach
Thu Jun 07, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3803

Re: Found an FSBO home for sale. How to avoid Realtor?

You can, but as a buyer you aren't paying for the realtor's services so it doesn't make a lot of sense. The seller will be paying your realtor fee. This is not true. Seller will increase the price of the house to cover those costs so the buyer is most definitely paying. If they try to increase the ...
by Beach
Thu Jun 07, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3803

Re: Found an FSBO home for sale. How to avoid Realtor?

You can, but as a buyer you aren't paying for the realtor's services so it doesn't make a lot of sense. The seller will be paying your realtor fee.
by Beach
Mon Jun 04, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Home Reno, your objective opinion please.
Replies: 34
Views: 3110

Re: Home Reno, your objective opinion please.

The thought of your work "drying up" would cause me to say no to this. Can you move into a slightly nicer home with a slightly higher mortgage payment and avoid the headache and pitfalls of a huge reno?
by Beach
Fri Jun 01, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo vs mountain cabin investment property
Replies: 30
Views: 2752

Re: Beach condo vs mountain cabin investment property

My opinion: Pay off your mortgage first, fully fund your Roth, get those 529's maxed.....then use extra money for risky investments like rentals.
by Beach
Fri Jun 01, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5772

Re: Advice for assisting 18 year old son after high school

I left the house as soon as I graduated HS but attended college immediately after. My parents helped with all the bills and I had a side job for extra blow money....and boy did I blow it. I took everything for granted, slacked off big time, got into some poor life choices after leaving and it took t...
by Beach
Thu May 31, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2537

Re: Vehicle Advice for new Boglehead (4Runner)

2015 4Runner Limited owner here - Buy gently used, expand your search nationwide. I found my Limited last year 1000 miles away. There are deals out there, you just have to be willing to travel. I also agree with other posters, you don't make enough money to justify a new vehicle, this is why I am su...
by Beach
Wed May 23, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 6009

Re: Florida Living

We decided that anywhere that alligators can live is off our list. Virginia is the farthest north we've seen without alligators (and they can be just on the southern ocean border). No offense, but being scared of Alligators is about the most ridiculous reason to avoid Florida. They aren't aggressiv...
by Beach
Tue May 22, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 6009

Re: Florida Living

Homeowner's insurance will likely be more expensive on the east coast, due to the increased risk of hurricanes. West coast has nicer beaches (especially Clearwater!) I would disagree on this point. Hurricanes hit both costs pretty equally, you living in a flood zone or close to the ocean is where t...
by Beach
Mon May 21, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Coachella concert
Replies: 8
Views: 1025

Re: Coachella concert

The Wal-Mart Yodeling kid made it so it must have totally been awesome this year :beer

http://www.thefader.com/2018/04/13/yode ... -coachella
by Beach
Fri May 18, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 239
Views: 30521

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Just noticed that Vangaurd Municipal Money Market VMSXX is up to 1.39%. In the 35% tax bracket, that is a tax-equivalent yield of 2.14%! This significantly beats the high rate online savings accounts I have at 1.8% and 1.6%. Is VMSXX FDIC insured? If not, should I worry about that? Thanks in advanc...
by Beach
Thu May 17, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2203

Re: Debating whether to rebuild tractor or buy a new zero turn

$3K for a 52" ZTR does not sound like a quality mower (no offense). If you want a good mower, you need to go with a commercial brand with a fabricated deck and a high quality engine like Kawasaki. Some brands to investigate: Bob-Cat Bad-Boy Scag Kubota Dixie Chopper Exmark Ferris Gravely Look to sp...
by Beach
Tue May 15, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2203

Re: Debating whether to rebuild tractor or buy a new zero turn

$3K for a 52" ZTR does not sound like a quality mower (no offense). If you want a good mower, you need to go with a commercial brand with a fabricated deck and a high quality engine like Kawasaki. Some brands to investigate: Bob-Cat Bad-Boy Scag Kubota Dixie Chopper Exmark Ferris Gravely Look to spe...
by Beach
Wed May 09, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Newb: Money Market Fund (VMSXX) vs high yield savings online banking for E-fund?
Replies: 15
Views: 2848

Re: Newb: Money Market Fund (VMSXX) vs high yield savings online banking for E-fund?

I have Ally currently and its been great. Having to pay taxes on the earned income this past tax season was not so great. I too have been wondering about the VMSXX account and been thinking about switching to it.
by Beach
Thu May 03, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2630

Re: Budget for kid's sport?

1 sport per season per kid, their choice whatever it is. Right now its Baseball (Spring), Golf (Summer), Soccer (Fall) and Basketball (Winter). Our kids are still young (6 and 7) and its working well. Most pro athletes were multi sport kids growing up anyways. I secretly hope they pick my favorite (...
by Beach
Wed May 02, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Account or Online Savings for Emergency Fund
Replies: 23
Views: 2603

Re: Money Market Account or Online Savings for Emergency Fund

+1 on using a brokerage money market fund instead of a bank. +2 I moved my money from Ally to Vanguard Prime MM fund Can you help me understand why you would move the funds to the Prime when the Municipal is tax free (VMSXX)? Not criticizing, just wondering and trying to understand the difference. ...
by Beach
Fri Apr 27, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3630

Re: How stressful is buying a home?

Buying a home isn't terribly stressful, assumed you have properly planned for it. I hope you can talk your friends out of their purchase.
by Beach
Tue Apr 24, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 26
Views: 2458

Re: What to do with extra 50k? Still struggling.

I don't understand the advice to recast, unless the OP needs to free up cash by a lower payment for flexibility which I didn't read. Maybe because he has 10 years left and want to retire in 5-7? If you want to pay down the mortgage and are ok with the monthly payment, just give them a lump sum. Don'...
by Beach
Fri Apr 20, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6434

Re: New car hit accident - loss of dimished value

If I see a wreck on Carfax, I move on. Its real, you will lose alot of potential buyers for your vehicle and when you do get somebody they will lowball you no matter how minor it was. I'd fight to get anything extra.
by Beach
Fri Apr 20, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Citi bank bonus offer: any recent experience?
Replies: 8
Views: 1562

Re: Citi bank bonus offer: any recent experience?

Can you provide a link to the offer? I'm interested.

I churned a CapitalOne bank account last year and pocketed $800 for my wife and I setting up accounts. I need some new golf clubs
by Beach
Wed Apr 18, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: [Balancing school workload and family time]
Replies: 15
Views: 817

Re: Child expenses - what to expect as your kids go from daycare to school

Our expenses decreased about 50%. Before and after school daycare is still expensive for our public school. Additionally, sports and other activities are eating into our "savings" This is similar to our experience, though it's more like a 40% reduction for us. The public school schedules around us ...
by Beach
Tue Apr 17, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Child expenses - what to expect as your kids go from daycare to school
Replies: 20
Views: 3195

Re: Child expenses - what to expect as your kids go from daycare to school

Our expenses decreased about 50%. Before and after school daycare is still expensive for our public school. Additionally, sports and other activities are eating into our "savings"
by Beach
Mon Apr 16, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off PMI or refinance or Appraisal
Replies: 19
Views: 1854

Re: Paying off PMI or refinance or Appraisal

I did confirm with bank a payment of 19,400 will drop PMI after they do a AVM which is instant and uses tax record.PMI would automatically drop in 2/22. So that's approximately $5400 in PMI I would save if I paid the lump sum Nobody can make the decision based on how much that will dip into your sa...
by Beach
Mon Apr 16, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 6268

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

Flown them several times, never had an issue. I was aware of the maintenance issues but they passed an FAA audit recently and that eased my fears. Upgrading those old aircraft should be a major help.
by Beach
Fri Apr 13, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 29
Views: 3560

Re: Grandparents requested our help to manage $300K

Just a little bit more info, thanks for the responses thus far. The grandparents have other investment vehicles where they do not feel they need to touch this money (the specifics I don't know, we haven't asked). They want this money specifically geared towards inheritance for siblings and grand sib...
by Beach
Fri Apr 13, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 29
Views: 3560

Re: Grandparents requested our help to manage $300K

k3vb0t wrote:
Fri Apr 13, 2018 9:30 am
You mention it doesn't need to be touched, but what is the purpose of the money? To pass on to heirs? To have in case their health fails and they need to move into assisted living?

The purpose should dictate the investment.
It would be fair to say it is a bit of both
by Beach
Fri Apr 13, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 29
Views: 3560

Grandparents requested our help to manage $300K

My wife's grandparents have come to us and asked for our help to manage $300K they just received from the sale of their 2nd home. They are a bit careless when it comes to spending and tend to blow money rather easily so have asked for our help to manage it (For instance, we talked them out of buying...
by Beach
Tue Apr 10, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40960

Re: Name something you bought that wasn't cheap and glad you did

Zero turn mower for my 2 acre lawn. Sooooo much better and faster. (Get a commercial brand, avoid buying junk from Lowes, HD)
by Beach
Tue Apr 10, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3983

Re: How do you estimate your home's market value?

Source: Former Mortgage Underwriter who has seen thousands of appraisals Zillow, Redfin, whatever gives you a price estimate is unreliable and should not be used. Your value will be determined by a licensed appraiser and nothing else. You can use the recently sold data to help you get an approximate...
by Beach
Mon Apr 09, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 39
Views: 4028

Re: Toyota 4 Runner

I didn't see anybody post they have a Limited so I'll chime in. I have a 2015 Limited Edition, bought it used with 40K miles. I like it, my wife and I carpool so we only use it on weekends because the gas mileage isn't great. Taken it off-road just a handful of times but its nice to know I can when ...