Search found 9 matches

by goflyers13
Wed Nov 06, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1056

Re: Health Insurance - HSA during birth year?

My wife and I had our first baby earlier this year, so I'll throw in my two cents. As others have mentioned, your decision will ultimately come down to the specific details of the plans available to you. You'll just have to run the numbers the best you can. In our case, it's cheaper to go with the h...
by goflyers13
Thu Oct 10, 2019 7:05 am
Forum: Investing - Theory, News & General
Topic: Statistics question
Replies: 33
Views: 2779

Re: Statistics question

I tried simulating this in R, with 100,000 trials. I’m getting a 28% loss after 10 years in the 1st percentile and a 7% loss in the 5th percentile. I know there are people on this forum who code for a living, so would welcome anybody who would like to check my work. Here is the code: # Inputs n <- ...
by goflyers13
Mon Jul 22, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 30
Views: 2360

Re: Your pick for a lawn edger

My experience is that string trimmers are just no as effective as blades. It will also need to be cordless and hopefully something that lasts a long time. I'm sorry you feel this way. It's a glorious revelation to understand the edging power of a good string trimmer. The best part: you don't need t...
by goflyers13
Mon Mar 26, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 14868

Re: Underrated places to visit in U.S.?

A tour of the coast of Lake Michigan would make a great summer trip! Lots to do, and lots of beautiful scenery to see. You could easily stretch this out over two or three weeks or more or just tour a small part of the coast. If I were taking this trip, it might look something like this: Fly into Chi...
by goflyers13
Sat Jan 27, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 6783

Re: Your favorite beach vacation destination?

Playa Hermosa in Costa Rica is the most beautiful beach I've ever visited. The water was warm, the sunsets over the Pacific were stunning, and the scenery was gorgeous. Most east-coast beaches look totally boring in comparison. My family and I flew from Columbus, OH to Liberia (the Costa Rican city,...
by goflyers13
Tue Dec 12, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 2497

Re: prudent buying a refurbished laptop?

The whole point of the "refurbished" label is that it is used but comes with at least some warranty. You do want to check to see how it compares, but it should come with something. I think the warranty coverage depends on where you buy the refurbished product. If you buy a refurbished iPhone straig...
by goflyers13
Tue Dec 12, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 2497

Re: prudent buying a refurbished laptop?

The main drawback of buying refurbished electronics is that you probably won't get any warranty coverage. Look at the return policy. Can you return the laptop for a full refund if you get a defective unit? Some sellers offer a 90 day return policy on refurbished electronics, effectively giving you a...
by goflyers13
Mon Oct 30, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay extra on my mortgage?
Replies: 11
Views: 2308

Should I pay extra on my mortgage?

My wife and I were recently married, and we're still in the process of combining our finances and adjusting how we allocate our money now that we have two incomes and only one residence. I purchased a condo 2.5 years ago, about 3 weeks before I met my wife, and I've been making the minimum payment o...
by goflyers13
Tue Sep 19, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 63
Views: 8883

Re: Memory Foam Mattress Recomendations

Until my wife and I moved in together, I had never slept on anything but a traditional spring mattress. I always slept very well on spring mattresses, almost always sleeping straight through the night. My wife's memory foam mattress (for which she had paid more than a pretty penny) was a scourge upo...