Search found 46 matches

by pangea33
Thu May 17, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 4526

Re: I will be laid off but can not get unemployment benefits?

I got laid off once. I tightened my belt, brushed up my resume, and was incredibly tenacious until I found another job.

You have advance notice, a lump sum, and are looking for tips to navigate around laws designed to prevent abuse.

Maybe you should spend your time looking for a job right now?
by pangea33
Tue May 08, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 8245

Re: Tires: Where to Get? Warranty? And Questions?

vested1 wrote:
Mon May 07, 2018 1:44 pm
I would consider going to one of about 30,000 Tire Pro dealers, nationwide, who offer a great warranty. https://www.tirepros.com/
There are a couple near me. Every single tire listed on their website says "Call for quote"

Nope.
by pangea33
Wed May 02, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 4237

Re: Auto loan or dip into emergency fund?

It's not an emergency. If you can't pay for a car in cash, you can't afford one. Auto warranties are for suckers. Take the bus and work a side job until you save-up enough money to pay for a car in cash. $7000 in covered repairs on a 2007 Acura RDX we bought with under 100k miles disagrees with thi...
by pangea33
Mon Apr 02, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Is Lockheed Martin about to become the biggest company in history?
Replies: 66
Views: 8818

Re: Is Lockheed Martin about to become the biggest company in history?

Lets hope so. They're the 8th ranked holding in my Vanguard Industrials fund.

I'm gambling that industrials will soar whether at peace or at war.
by pangea33
Fri Feb 23, 2018 10:36 am
Forum: Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 11143

Re: Should I bite the bullet and invest in this market?

I know the market cannot be timed and in the long long run it should be up, but it still makes me very uneasy knowing we HAVE to be towards the end of this long bull market that we have. These are contradictory statements. Anyway you dress it up, you're still trying to time the market. We wouldn't ...
by pangea33
Wed Jan 03, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Do Vanguard and Fidelity have automatic rebalancing?
Replies: 14
Views: 5517

Re: Do Vanguard and Fidelity have automatic rebalancing?

To my knowledge, not in IRAs nor taxable accounts unless one uses a single Target Retirement fund or LifeStrategy fund per account. 401(k)s and 403(b)s are another kind of account that I don't know about. I've been using a couple target date funds to dial in my AA. The 5 year increments didn't matc...
by pangea33
Tue Jan 02, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Advice needed for paypal transaction
Replies: 14
Views: 1348

Re: Advice needed for paypal transaction

Whenever I sell anything on forums the expectation is that buyer pays via Paypal plus fees and shipping costs. If they want to send the money via "friends and family," they save the 3% fee but they waive the buyer protection service Paypal offers. My transactions are usually on motorcycle forums whe...
by pangea33
Thu Dec 28, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5731

Re: A Year of Extreme Frugality

I don't know if I make the cut for "extreme" frugality, but I can tell you some things that cut my expenses down. Cut my own hair with clippers, pack my lunch every day, and take 20 showers a month at the $10/mo gym using their soap. Drive older paid off cars, dropped my cable down to Internet only,...
by pangea33
Fri Dec 22, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: flex account $500 carryover question
Replies: 9
Views: 482

Re: flex account $500 carryover question

I think they're assuming you are spending some money every year, so that you're always into the next year's $500.

I lose my previous year's rollover after the end of March if I don't spend it.
by pangea33
Wed Dec 13, 2017 4:46 pm
Forum: Personal Investments
Topic: I I have rollover IRA, do I need to make new traditional IRA for backdoor roth?
Replies: 7
Views: 761

Re: I I have rollover IRA, do I need to make new traditional IRA for backdoor roth?

Thanks for the responses. I guess I was misreading the question. My rollover 401K has only ever had rollover money and not traditional money. I have never wanted to roll my money into a new employer because their options are alway more limited than Vanguard. Expense ratios can be pretty predatory to...
by pangea33
Wed Dec 13, 2017 2:57 pm
Forum: Personal Investments
Topic: I I have rollover IRA, do I need to make new traditional IRA for backdoor roth?
Replies: 7
Views: 761

Re: I I have rollover IRA, do I need to make new traditional IRA for backdoor roth?

If you are ever in a situation to roll another 401k int an IRA, I would not commingle the money I am in IT and the lifespan of a particular job can be somewhat short. Often under five years in my experience. I have an existing Vanguard Rollover 401K that I just keep adding money to whenever I leave...
by pangea33
Tue Dec 05, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 5928

Re: selling an older car on eBay-no bites!

I see a couple of posts about the time of year mattering when selling a car. Why is that? For one thing, non-Bogleheads overestimate their withholdings in order to get a "windfall" tax return in spring. For certain vehicle types like convertibles and motorcycles, spring weather just gets the blood ...
by pangea33
Tue Dec 05, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 2354

Re: Running Linux vs Other OS?

My initial experience with Linux was back in the mid-90s and required a LOT of savvy. Gave Ubuntu another try when some Windows installs were no longer supported by Microsoft. The new GUI is incredibly intuitive and provides an experience much more familiar to Windows users. Pretty much every bit of...
by pangea33
Mon Dec 04, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 24
Views: 4584

Re: Help me understand the ACA Cliff

I have employer sponsored health coverage, but I wanted to see what the cliff looks like in my state.

Married couple in NC with no kids, M=43 F=46.

Silver plan at $64,900 ~ $300 a month for both.

Silver plan at $65,000 ~ over $1100 a month.
by pangea33
Fri Dec 01, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 4473

Re: housing for in-laws

letsgobobby wrote:
Fri Dec 01, 2017 8:13 am
man cave is cheaper than a new house.
I'd build a tiny house as an "office" hideout. Wouldn't be able to hear them in the kitchen on their loudest days.
by pangea33
Mon Nov 27, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Toyota older, "good" cars - my observations
Replies: 52
Views: 6738

Re: Toyota older, "good" cars - my observations

My 2001 Camry has been in the family for about 12 years now. My wife put 80k miles on it and I've pushed that to 172k. Still running strong. Got the bug to tinker on mechanical things when I started riding motorcycles. Gradually progressing until I had the confidence to start working on my car. Adde...
by pangea33
Wed Nov 22, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 10937

Re: Beware Amazon Price Gouging

Another consideration: we are a couple of days away from Black Friday when prices can fluctuate dramatically. Some places (not just Amazon - I've seen it at Best Buy) raise prices on some items ahead of BF so they can drop them to make BF look like a better deal. In fact the BF price may indeed be ...
by pangea33
Thu Nov 16, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 8977

Re: Tipping in living wage state. Redux.

Non-tipping regulars are well known in the restaurant industry. Servers just play a game where they stick them with the worst servers. If you notice that the quality of your waitstaff keeps deteriorating, it's probably not because ALL of the employees are bad at their job. How does that work? Is th...
by pangea33
Wed Nov 15, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 8977

Re: Tipping in living wage state. Redux.

I used to work at a mediocre hotel restaurant as a waiter making ~$2/hr. I would typically pull $300 in tips for a 6 hour shift, or about $150 on a weeknight for 6 hours. $15/hr disincentivizes the substandard waitstaff, and can significantly hurt the servers who hustle and do a great job. Choosing ...
by pangea33
Thu Nov 09, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 5387

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Now that major carriers have stopped offering free phones with their contracts, I have taken to buying only unlocked phones. None of the carrier bloatware makes any sense in my mind. Have been using the Moto 4g for about 18 months and have been very pleased with it. Will be moving to the Moto 5g Plu...
by pangea33
Mon Oct 30, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Buying a Home in a 500 year Flood Plain
Replies: 32
Views: 3271

Re: Buying a Home in a 500 year Flood Plain

Yes. Flood insurance is a waste of money unless you are IN an actual flood zone. Respectfully, 50% of the homes that were significantly damaged in Houston were in "high" and "moderate" risk flood areas while not being in official "flood zones." A lot of this is the result of the Realtor lobby pitch...
by pangea33
Mon Oct 30, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Fuel treatments for small engines
Replies: 32
Views: 3630

Re: Fuel treatments for small engines

I ride and maintain a motorcycle as a hobby. It's an older carbureted v-twin and ethanol can really do a number on the jets and leave gum in the float bowl. One of the very best additive in my opinion is Sea Foam. It can be used to stabilize the fuel for storage, but it also can be run periodically ...
by pangea33
Thu Oct 12, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 10337

Re: Which Streaming Service/Live TV?

YouTube tv sounds intriguing. Is it HD? Does it include BBC, PBS, ESPN? Those are pretty much all we watch besides Netflix. Yes to BBC and ESPN, no to PBS. I don't know of any online streaming services that include PBS. Depending on where you live you may be able to get it with an antenna. A small ...
by pangea33
Thu Oct 12, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 4376

Re: Mechanic expects me to pay for his mistake

I just want to say that I hope this is resolved to your satisfaction somehow. It sounds like a nightmare.

Thanks to the BH for letting me know I should avoid this vehicle, as I'm considering buying a used truck.
by pangea33
Thu Oct 12, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 5369

Re: Antivirus Software Recommendations

I've been running Avast for years. Free, small footprint, fully featured, frequent updates. It will pop open a screen every couple months encouraging me to upgrade to a paid version. Some day I probably will. Until then, I am willing to close a window 6x a year. https://www.avast.com/free-antivirus-...
by pangea33
Thu Oct 12, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: equifax security freeze error and no PIN?
Replies: 15
Views: 1372

Re: equifax security freeze error and no PIN?

I had a similar problem, although mine was user error. I closed the window before realizing I had to click a link for the pin, rather than receiving it in email. Two thoughts to keep in mind. Now that your account is frozen, they can't make money off you. It's in their best interest to make a PIN re...
by pangea33
Fri Sep 29, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Contribution Limits and Retirement Account Type - Please Clarify
Replies: 6
Views: 618

Re: Contribution Limits and Retirement Account Type - Please Clarify

Thanks for the quick replies. My goal with the multiple buckets is an effort to dial-in distributions at retirement in a way which will minimize potential tax liability. That horizon is such that I haven't got anything beyond a slowly lifting fog at this point. I appreciate the clarification on the ...
by pangea33
Fri Sep 29, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Contribution Limits and Retirement Account Type - Please Clarify
Replies: 6
Views: 618

Contribution Limits and Retirement Account Type - Please Clarify

After searching some old threads, I found similar questions. I just want to make sure that I am clear on what I understand about contribution limits. These are intended to be very general questions, please forgive me if I missed the obvious. Age 42, married, filing jointly, with an employer sponsore...
by pangea33
Mon Sep 25, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 95
Views: 7943

Re: Do you subscribe to digital newspapers?

Forgive me if this has already been posted, but i didn't see it upthread. A digital subscription to the Washington Post is free for six months to Amazon Prime members. You just have to search for it through Amazon, because they don't really draw attention to it. In this day of hyperpartisan opinion ...
by pangea33
Tue Aug 08, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 5485

Re: Deja Vu.. are there too many houses for sale?

I think location is the main key. As long as the houses are selling, then it's a sign the market is hot and long timers can finally get the equity out of their investments for an upgrade elsewhere. If they all just sit on the market, that probably indicates people are trying to abandon the area. Her...
by pangea33
Thu Jul 13, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 16687

Re: Do you count vehicle equity in net worth?

If I have to sell my vehicle to keep afloat, all is lost anyway. Where else would I live? Most underrated comment. :D I can't make money without my car. Instead of calculating the value into my net worth, I consider the money I'm saving as free money for investing. Trade-in value on my super reliab...
by pangea33
Thu Jul 06, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 86
Views: 12790

Re: Is it Safe to Get Your DNA Tested?

I'm not interested in providing that information either. It doesn't even seem that useful for identifying the family tree. Seeing that I have 6% DNA suggesting a particular nationality doesn't really give me more insight than researching ancestral birth records. It seems to me that DNA results revea...
by pangea33
Thu Jun 22, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Karma (app) be blocking my free annual credit report?
Replies: 13
Views: 2030

Re: Could Credit Karma (app) be blocking my free annual credit report?

Different score algorithms. Credit Karma created an algorithm that is unrelated to (for instance) FICOs. These so-called "educational" credit scores are often known as "FAKOs." Doesn't really indicate which side of accurate these "FAKOs" are on. I started using credit karma when trying to improve t...
by pangea33
Tue Apr 25, 2017 2:58 pm
Forum: Personal Investments
Topic: Retire By 40?
Replies: 12
Views: 3461

Re: Retire By 40?

I didn't start saving early enough and I retired at 40. ...to my bedroom, so I could get up early for work! Considering housing is one of the biggest expenses a person incurs, the advice about living with a family member upthread might be pretty useful. If I wasn't married I'm convinced that I could...
by pangea33
Thu Apr 13, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Using internet banks for a mortgage?
Replies: 14
Views: 1304

Re: Using internet banks for a mortgage?

If it's of any help, we ended up going with GoodMortgage who then sold it to Chase. I think we found them through the MortgageProfessor. I initially contacted a local mortgage broker when trying to buy my house. They put me through a bunch of hoops but were moving very slowly and didn't inspire con...
by pangea33
Tue Mar 28, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 13
Views: 1357

Re: Disability Insurance

Thanks. Where and how can I shop for disability insurance? I'd suggest checking with whoever provides your homeowner insurance. I got a nice discount when insuring my vehicles through the same company. Then I asked for a quote on term life insurance and was persuaded to move my policy there as well...
by pangea33
Mon Mar 27, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: bath soap that doesn't leave soap scum?
Replies: 11
Views: 10029

Re: bath soap that doesn't leave soap scum?

I use body wash with a loofa now. No more soap scum running down my wall.
by pangea33
Mon Mar 13, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 3949

Re: How to tackle fiancee's student loan debt

I agree with the post above about not paying any expenses of your fiancé until you guys are married. I worked with a guy that supported his fiancé all the way through pharmacy school only for her to move on to someone else after she graduated. Couldn't the same thing have happened if they were marr...
by pangea33
Mon Mar 13, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Want to make large auto loan payment, Chase doesn't accept credit cards
Replies: 13
Views: 5044

Re: Want to make large auto loan payment, Chase doesn't accept credit cards

Looks like you've already come to a conclusion, but I just wanted to add an anecdote. My used car loan was secured through SunTrust, but they sold the loan to a company called CSC Logic who takes credit cards. I use my Paypal debit card for most bank account related purchases, because it gives me an...
by pangea33
Thu Feb 09, 2017 3:14 pm
Forum: Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 34310

Re: Wow, Vanguard Flagship service is bad. Really bad.

I have far less than 10 million dollars, but I do have 3 accounts in Vanguard. I converted several of my positions to TF over the last week, and needed to speak to someone twice. My calls were answered by humans before I even got to on-hold music, they were very helpful and answered my questions kno...
by pangea33
Mon Feb 06, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: 70% marginal tax rate !?!
Replies: 25
Views: 5242

Re: 70% marginal tax rate !?!

If you don't purchase another primary residence with that money, I believe you will have to pay capital gains. Since you're talking about moving into a home that you already own, I believe you're mistaken on that money being tax free. Those rules changed in 1997. For crying out loud. How old am I? ...
by pangea33
Mon Feb 06, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: 70% marginal tax rate !?!
Replies: 25
Views: 5242

Re: 70% marginal tax rate !?!

Another option (with some off-topic complications) would be to sell our primary residence, downsize move to the rental. We pocket ~$500K tax free gains... If you don't purchase another primary residence with that money, I believe you will have to pay capital gains. Since you're talking about moving...
by pangea33
Mon Feb 06, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 6861

Re: Walmart.com vs. Amazon.com

F150HD wrote:
Barefootgirl wrote:Wondering when Sears will finally falter...
Probably sooner than later. They announced the sale of their Craftsman line to Black & Decker. That's one of their few successful product verticals.
by pangea33
Mon Feb 06, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score: How low is too low?
Replies: 17
Views: 2804

Re: Credit Score: How low is too low?

A low credit score had a larger impact on the cost of car insurance than having two DWI's. $2090 extra, on average, per year. It was the biggest number on the chart. Go figure. This is staggering to me. My wife and I are paying under $600 a half for full coverage on 2 cars and a motorcycle. My cred...
by pangea33
Thu Feb 02, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Should you stop using your antivirus software?
Replies: 36
Views: 3927

Re: Should you stop using your antivirus software?

smartinwate wrote:I don't use antivirus software.
:wink:
Your avatar says it all. There is definitely AV software on my PC!
by pangea33
Tue Jan 24, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Donated car to charity, title still in my name, now what???
Replies: 6
Views: 1333

Re: Donated car to charity, title still in my name, now what???

I had the same problem after donating a car in Florida. I was awoken at 3am by a police officer, asking me questions about a homeless man they found sleeping in a car I had given away 7 months earlier. I was still the owner of record. In the future I'll probably consider something different.