Search found 23 matches

by foamypirate
Sun Oct 22, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 35
Views: 2428

Re: What service do you pay for that you could easily do yourself?

I'm still in my young, masochistic phase, so I pretty much do everything myself, if I can help it. :oops: That includes plumbing, electrical, remodel (added a study), lawn care, fence replacement, shed building, car maintenance/repair/detailing, home window cleaning, pressure washing the house (this...
by foamypirate
Sun Oct 15, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 6737

Re: What are you driving? And would you buy your current ride again?

2002 Chevrolet Corvette w/ 41k miles. I would definitely buy it again! I had to put a little work into it (which I can do myself, thankfully), but it's been a great car other than some of that deferred maintenance. Sporty, fast, reliable, amazing A/C (my previous car was lack luster in that departme...
by foamypirate
Thu Sep 28, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 40
Views: 5478

Re: Innovis and ChexSystems freeze confirmation letters

foamypirate wrote: ↑
Wed Sep 27, 2017 5:28 pm
Well, this is interesting. Submitted for an Innovis credit freeze for both my wife and myself, within minutes of each other. She got her letter last week, and I have yet to receive one... :?
I finally received my letter last night. The letter inside was dated September 12th.
by foamypirate
Wed Sep 27, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 40
Views: 5478

Re: Innovis and ChexSystems freeze confirmation letters

Well, this is interesting. Submitted for an Innovis credit freeze for both my wife and myself, within minutes of each other. She got her letter last week, and I have yet to receive one... :?
by foamypirate
Thu Sep 14, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10718

Re: The 10 year car ownership "rule"

If there is *another* BH in this forum who can replace (and have replaced) his own engine on his car, please stand up! I have a feeling that you are THE ONLY ONE here!! Average BH can NOT change his own brake pads if his life depended on it. Standing up! In fact, I went one step further, and put an...
by foamypirate
Sun Sep 10, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 2855

Re: Who actually buys lottery scratch offs?

I'll buy one, maybe two, a year, purely for the entertainment value. I have no expectations of ever winning a large prize.
by foamypirate
Sun Sep 10, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32821

Re: Can't freeze credit at Experian?

Same happened for both myself and DW, at Experian. They also charged the card for each attempt (which is kind of a crappy process...shouldn't charge unless it actually does it!) Based on the above post, it will probably credit back. I've got everything printed and ready to mail, to do it the old-fas...
by foamypirate
Wed Aug 30, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10120

Re: Companies/Brands You Love?

Ruger
Michelin
Honda (more for the yard equipment than the cars)
SK Hand Tools
Tillamook (What can I say?)
by foamypirate
Tue Aug 29, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: My experience with buying from Hertz
Replies: 15
Views: 2210

Re: My experience with buying from Hertz

Thanks for the review of the process! I've been considering it lately, since my wife is looking to move to a CUV. My parent's had great luck with Hertz and their car; they are still driving their 2001 Nissan Maxima they bought from Hertz 16 years ago! 211K miles now.
by foamypirate
Thu Aug 17, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Bogleheads like PC Gaming?
Replies: 40
Views: 4297

Re: Bogleheads like PC Gaming?

PC Gamer checking in!

I primarily play:

Team Fortress 2
Counter-Strike: Global Offensive
Age of Empires 2 HD
Whichever random game my friends are playing and suck me in to, but the 3 above are my go-to games.
by foamypirate
Tue Jul 25, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Rust proofing patio furniture and fence
Replies: 5
Views: 610

Re: Rust proofing patio furniture and fence

If you DO encounter rust, you can cover it with something called POR-15, then paint with your choice of color. POR-15 is used in the auto restoration industry to encapsulate and/or prevent future rust. It works exceptionally well. My recommendation for using it out of the can, is to use two screws s...
by foamypirate
Sun Jul 23, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: 2017 Genesis
Replies: 34
Views: 3906

Re: 2017 Genesis

I have a friend with the Genesis and he loves it. He says, people are constantly mistaking it for a Bentley. He bought it for the excellent electronics (Google maps) and safety features. I suspect this has more to do with the badging than anything. Gensis: http://www.logo-designer.co/wp-content/upl...
by foamypirate
Sat Jul 22, 2017 1:10 am
Forum: Investing - Help with Personal Investments
Topic: First Time Check-in - How am I doing?
Replies: 12
Views: 1619

Re: First Time Check-in - How am I doing?

Thanks again for the input everyone, I appreciate it. I think I've got an understanding of why being all Roth wouldn't necessarily be a good thing. Let's see if this sounds right: I don't want every dollar in Roth, because I am giving up "free" money by not filling up the lower tax brackets at retir...
by foamypirate
Fri Jul 21, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Check-in - How am I doing?
Replies: 12
Views: 1619

Re: First Time Check-in - How am I doing?

I'll make sure to update my original post and remove the taxable. You don't need to remove it, just be aware it's not part of the retirement portfolio. (Never mind, I see it's already gone.) I had been leaning towards the pre-tax 401K for the tax advantage to fund the Roth IRA. What are the advanta...
by foamypirate
Fri Jul 21, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Check-in - How am I doing?
Replies: 12
Views: 1619

Re: First Time Check-in - How am I doing?

Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: ~30% of stocks Reasonable for your age. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. Taxable: This is a "general" fund for college/car replacement/college. Currently not contributing. ~...
by foamypirate
Fri Jul 21, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Check-in - How am I doing?
Replies: 12
Views: 1619

Re: First Time Check-in - How am I doing?

I don't expect any large raises in the near future that would give more available income, so I've pretty much got to work with the current numbers. First, you are doing fine - keep up the good work, and congratulations on the clean health report! If you were to do 100% Roth, your tax rate in retire...
by foamypirate
Fri Jul 21, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Check-in - How am I doing?
Replies: 12
Views: 1619

First Time Check-in - How am I doing?

Income: 89k gross, w/ 6-8k bonus on an annual basis (bonus is not guaranteed, but quite reliable). DW is a stay-at-home Mom, so single income. Emergency funds: 7.5K in local CU MM - 0.4% Debt: Mortgage - ~141K remaining at 3.125%, 15 year - $1,590/mo - $1,051/mo principal + interest, remainder escro...
by foamypirate
Tue Jul 18, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates in 3 years?
Replies: 26
Views: 2603

Re: Interest Rates in 3 years?

I don't have much input on the interest rate, because I can't see the future, but I would just chime in that 25% of take home pay toward the mortgage is, in my opinion, not all that conservative, especially on an 80K income. I'm at about 28% of net on 90K gross, and I'd sure love a lot more flexibil...
by foamypirate
Mon Jul 10, 2017 10:48 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 4936

Re: Dave Ramsey's advice on investing?

The main problems with daves advice imho: Use a manager to help you pick funds that will outperform. (This will probably result in fees around 2%). No bonds because they underperform Expect to to get a 12% return on your investments You can withdraw 8% a year from your retirement accounts In additi...
by foamypirate
Mon Jul 10, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 4936

Re: Dave Ramsey's advice on investing?

The main problems with daves advice imho: Use a manager to help you pick funds that will outperform. (This will probably result in fees around 2%). No bonds because they underperform Expect to to get a 12% return on your investments You can withdraw 8% a year from your retirement accounts In additi...
by foamypirate
Mon Jul 10, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3756

Re: The cost of car ownership

I love the notion that a Boglehead must buy a cheap, practical car. I have seen some incredible vitriol here displayed because some people have the audacity to buy a car they actually enjoy. What is the cost of sailboat ownership? Would not any other mode of transportation get us from point A to po...
by foamypirate
Mon Jul 10, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 8223

Re: how to destroy hard disk with personal info

I personally torch mine with a MAPP gas torch. It's hot enough to melt the housing and either melt or seriously deform the platters (depending on the material they are constructed from). Nobody is recovering data from a puddle of metal.
by foamypirate
Sun Jul 09, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 12137

Re: What do you splurge on?

Well, I'm a bit of a gearhead, so as much as my limited budget allows me to, I splurge on: My Corvette and "classic" truck. Quality, USA made tools Hand crafted in USA leather work boots Outside of that: High quality cotton bed sheets (too many years spent on cheap synthetic sheets...didn't know wha...