Search found 72 matches

by foamypirate
Thu Aug 16, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying car - help with closing the deal
Replies: 8
Views: 936

Re: Buying car - help with closing the deal

I personally would never knowingly buy a former rental car. Maybe it's just me but I know how people treat those things. Those are probably very hard driven miles by hundreds of different drivers. Good luck. :sharebeer Mileage may vary (pun intended). My parents bought an 01' Nissan Maxima back in ...
by foamypirate
Wed Aug 15, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1468506

Re: U.S. stocks in freefall

Its shaping up to be a good buy day again for both US and International. Same "stressors" as last week depending on which doom and gloom article you read. Continued rally to the Earth's core confirmed. :beer always seems to go decrease right after the 401k buys go through Keep in mind that many are...
by foamypirate
Wed Aug 15, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3019

Re: Best consumer products - made in USA

I have a few that have already been mentioned, and a few new ones:

Sturm Ruger
Buck Knives
Henry Repeating Arms
Quincy Air Compressors (above a certain model level anyway, mine is 100% USA down to the motor and belt)
SK Tools
National Walking Sprinklers
by foamypirate
Fri Aug 10, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 96
Views: 9762

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Turkey has never been a member of the EU and is very unlikely to become one in the near future. Why is such a small country/market having such a disproportionate effect on the US stock market today? I’m not doing anything with my investments but it baffles me why events like this are so (temporaril...
by foamypirate
Sun Aug 05, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4568

Re: Dear BH, what are non-BH actions you do?

I peek at my portfolio every weekday evening. I also do this; I'm an info freak, so I just like to see what's going on. I never take any action based on what happens, however. My non-BH weakness...paying off my house before fully maxing tax-advantaged accounts. I'll probably get crucified for that ...
by foamypirate
Fri Aug 03, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 643
Views: 54818

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Well, I had $14.93 abandoned in my Fidelity CMA, so I decided to transfer it to my brokerage and buy $14.93 worth of FZROX (Fidelity Zero Total Market). By my calculations, with a 7% return, by the time I retire, I should have $209. :sharebeer
by foamypirate
Tue Jul 31, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 41
Views: 3626

Re: Are millennial botching their asset allocations?

Sorry guys, my fault. The only assets I have at Vanguard are my e-fund in Prime Money Market. Guess I must've thrown off the numbers! :mrgreen: Everything else is in my Fidelity 401K.
by foamypirate
Fri Jul 27, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How should I be paying off my auto loan quickly?
Replies: 7
Views: 951

Re: How should I be paying off my auto loan quickly?

I'd do the large payment. Any delay more than 24 hours between the required payment and extra payment will add interest charges (however small).
by foamypirate
Thu Jul 26, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 95
Views: 47660

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

I currently own 2 Honda mowers. HR 214 (20+ years old) cuts perfectly, starts on the first pull, and has the suction of a vacuum cleaner. The engine has a very short stroke wearing the ring faster and it starting to smoke when it's cold. I still love this machine. I bought a new Honda HRX 217, top ...
by foamypirate
Wed Jul 25, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 95
Views: 47660

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

HRX217HXA owner here, on year 3 of ownership. No issues with uncut strips of grass. Had no problem mowing 9-12" tall St. Augustine grass after I came back from a 2 week vacation, during which we had a lot of rain. Didn't even leave any clumps of grass behind, either. No complaints.
by foamypirate
Sun Jul 15, 2018 6:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 480
Views: 47428

Re: I think I hit 100k on retirement milestone?

Congratulations on your milestone! :sharebeer

I'm almost there, myself, about $5k away from crossing the 1st 100K line! Looking forward to it.
by foamypirate
Mon Jul 09, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Article: Rich kids are counting on inheritance to pay for retirement
Replies: 31
Views: 4599

Re: Article: Rich kids are counting on inheritance to pay for retirement

I'm not sure I care what 18-22 year old high school and college kids think. How did they break away from the beer pong long enough to do the survey? Lets check again when they grow up. Really? Are you suggesting that everybody aged 18 - 22 are heavy beer drinkers and that there are not a large numb...
by foamypirate
Fri Jun 29, 2018 12:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 480
Views: 47428

Re: Pulled the trigger and paid off the house today

Congratulations! We hope to be in the same boat in about 4.5 years, if things go according to plan. :sharebeer
by foamypirate
Tue Jun 26, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: those with whole home generators: who installed it?
Replies: 28
Views: 1897

Re: those with whole home generators: who installed it?

what the possibility of complete black out? 0.001%. Now need of whole house generator. A portable inverter Honda generator, a couple of south facing solar panels should be enough. Everyone's needs are different. It's kind of silly to make a generalization like that. I sure wouldn't want to be witho...
by foamypirate
Fri Jun 22, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Fund Yield reached 1.99% today
Replies: 18
Views: 3867

Re: Vanguard Prime Fund Yield reached 1.99% today

kaeltor wrote:
Fri Jun 22, 2018 10:55 am
Beach wrote:
Fri Jun 22, 2018 10:40 am
I make 1.65% in my Ally, why should or shouldn't somebody like me switch?

Money Market accounts aren't FDIC insured for one.
Actually, Money Market Accounts are indeed FDIC insured.

Money Market Funds are not.
by foamypirate
Thu May 31, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4219

Re: Do you have a monthly household budget?

No. We don’t have a monthly budget. Never did. My wife and I are not big time consumers, and we always have money left at the end of each month. This may be a naive/stupid question. For people who do budget, what do you do exactly? Do you plan to spend x dollars on grocery, y dollars on eating out ...
by foamypirate
Sun May 20, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 3291

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

And I guess get used to these stupid stereo types. I live in an area with over 7 million people, can't remember the last time I saw a cowboy hat or gun rack. x2 (though the Austin area is quite a bit smaller than 7 million). I've never seen a gun rack in ANY vehicle here, and I'm on the outskirts o...
by foamypirate
Fri May 18, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 3291

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

And I guess get used to these stupid stereo types. I live in an area with over 7 million people, can't remember the last time I saw a cowboy hat or gun rack. x2 (though the Austin area is quite a bit smaller than 7 million). I've never seen a gun rack in ANY vehicle here, and I'm on the outskirts o...
by foamypirate
Fri May 18, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 3291

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

I can't really help on the clothes, as I'm a jeans and t-shirt kind of guy, but as far as auto tint goes, definitely spring for the more expensive ceramic stuff that blocks UV. It makes a WORLD of difference over the cheaper tint materials. We had it put on our 07' Accord when we bought it, and it's...
by foamypirate
Mon May 14, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: When is the right time to buy a house?
Replies: 28
Views: 2072

Re: When is the right time to buy a house?

Everyone says not to waste money on rent. Personally, I just waited so long because I haven't done any research on home buying. I would not worry about "wasting" money on rent. The money is not wasted. You are getting a service (shelter) in return for your money. If you buy a house, you will "waste...
by foamypirate
Mon May 07, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 49
Views: 4353

Re: Gardening 2018

Earl Lemongrab wrote:
Mon May 07, 2018 6:57 pm
^^^ Did you plant catnip too?
I probably should! I'm sure the poor fuzzies could use some entertainment! 8-) They can chill in the shade of the sunflowers and daydream on catnip, haha. The empty spot next the the garlic chives would be perfect.
by foamypirate
Mon May 07, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 49
Views: 4353

Re: Gardening 2018

Central Texas here. Planted these bad boys back in late march. Mammoth sunflowers. Tallest is about 51" tall right now. They are supposed to hit between 9'-12' tall. We'll see if my luck holds, but they are growing like rockets right now! I also have a rather sad looking Artichoke and some Garlic Ch...
by foamypirate
Mon May 07, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6721

Re: When to buy new underwear?

A few other posters mentioned they toss when the elastic band becomes loose. My solution is a few extra double cheese burgers to tighten things up a bit.
by foamypirate
Fri Apr 27, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6781

Re: Learning to drive stick

I highly recommend learning to drive a stick shift! My ex FIL taught me in one afternoon and since my wonderful hubby just dropped me off, I had to drive home by myself. Of course there was a traffic light on top of a hill that turned red. So, I put on the parking brake and found my clutch/gas bala...
by foamypirate
Tue Apr 24, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA - Emergency Fund Withdrawal Question
Replies: 4
Views: 460

Re: Roth IRA - Emergency Fund Withdrawal Question

Thanks! I appreciate the input. I had a suspicion that was the case, but wanted to confirm. Appreciate it!
by foamypirate
Tue Apr 24, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Roth IRA - Emergency Fund Withdrawal Question
Replies: 4
Views: 460

Roth IRA - Emergency Fund Withdrawal Question

I apologize in advance if this is a silly question. It's purely hypothetical at the moment, but I just wanted to educate myself before hand. If one is to withdraw their Roth IRA contributions in an emergency, is it based on the dollar amount, or shares? For example, let's say I contribute $11,000 ov...
by foamypirate
Wed Apr 18, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 31383

Re: How old are you and how much do you save for retirement a year

Wife and I are 28 Income 92k (Single income, wife is a stay-at-home mom) This is our first year of truly saving...we'd sort of made a piddly effort in the years prior, started ramping about 2 years ago, and really hit the grindstone this year. Currently saving about 30k/yr if you include 401K match,...
by foamypirate
Thu Apr 05, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: House down payment - Smart for anything between 3.5% and 20%?
Replies: 23
Views: 1927

Re: House down payment - Smart for anything between 3.5% and 20%?

I would encourage a full 20% down payment, as others have mentioned. In the past, you might have pulled off a smaller down payment, but I certainly wouldn't encourage it today. We got lucky and made it work. We had an FHA mortgage with 3% down in late 2010, and it worked out for us due to the partic...
by foamypirate
Wed Mar 28, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 138
Views: 24622

Re: Is it time to dump high yield savings for prime money market?

welderwannabe wrote:
Wed Mar 28, 2018 1:23 pm
kappy wrote:
Wed Mar 28, 2018 10:21 am
Quick question about Prime MM... does interest accrue daily? I know it pays out monthly but is it accruing daily?
Daily.
Yep! In fact, if you go to the "Balance by Date" view at Vanguard, you can see the accumulated dividends Month-to-date, on the date you select.
by foamypirate
Tue Mar 13, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Auto water sprinklers
Replies: 9
Views: 1106

Re: Auto water sprinklers

You could always buy one of these: http://www.nationalwalkingsprinkler.com/product/a-5 Heavy duty cast iron, no plastic, made in USA, and I find mine just plain entertaining. You just drape your hose in a path around the yard, and let it rip. You do have to turn it off manually , but you can time it...
by foamypirate
Mon Mar 12, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Should we buy my wife a new car?
Replies: 53
Views: 3874

Re: Should we buy my wife a new car?

Clearcoat is simply for looks. If there is no bare metal, it won't rust. Many cars don't come with clear coat from the factory. I would not personally be in a hurry to pay off a 1.8% auto loan unless the additional cashflow would make you more comfortable month to month. To find a modern car withou...
by foamypirate
Tue Mar 06, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14802

Re: What big item (>20k) are you saving up for?

Mainly saving for that nice country home I've always dreamed of. We are waiting until our girls are out of school, so I'll be waiting a while (they are 4 and 1 years old). The decision now is where to put it...I'd really hate to put that much money in a MM fund, and the timeline is long enough to po...
by foamypirate
Tue Mar 06, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Hold Only Short-Term Bonds?
Replies: 22
Views: 3070

Re: Hold Only Short-Term Bonds?

I am lost, Valuethinker. Can you explain your conclusion for the financially-challanged like me? :sharebeer He is calculating the difference in returns: 10 year yield of 2.88% minus 2 year yield of 2.24% (2.88 - 2.24) = 0.64% = 0.0064. Next, (1+0.0064)^10 = 1.0658. The amount over 1 is total differ...
by foamypirate
Wed Feb 21, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40193

Re: What UN-frugal thing do you do?

Building a race car with a LSx swap. Only way to win a million dollars racing is to start with 2! Very nice! My classic truck (that I mentioned swapping from auto to manual, above) has a 6.0L LS in it (technically an LQ9). Maybe I can do another unfrugal thing and throw a Magnusson supercharger at ...
by foamypirate
Wed Feb 21, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 5319

Re: Safe to file taxes now?

Filed mine last Monday (12th) and had my refund by Thursday night (15th). :beer
by foamypirate
Wed Feb 21, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40193

Re: What UN-frugal thing do you do?

I'm a gear head, so...

I spent a decent chunk of change to convert a perfectly good automatic transmission setup in my classic truck to a manual transmission setup. :oops:
by foamypirate
Wed Feb 14, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth: How Am I Doing?
Replies: 7
Views: 1825

Re: Net Worth: How Am I Doing?

Are you my twin? I'm 28, and my numbers are, literally, almost identical (within ~1-2k in either direction). :sharebeer
by foamypirate
Fri Feb 09, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1468506

Re: U.S. stocks in freefall

I had a hard time holding to my IPS today, though not for the usual reasons. I'm currently topping up my emergency fund to the 6 month level, and it was REALLY hard to put this weeks contribution into Prime Money Market, instead of buying stocks! :D
by foamypirate
Thu Feb 08, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5935

Re: What time do you go to work?

I usually wander in around 8:45-9:30am. Some people are here 7:30am, some 10am, etc. Nobody really cares as long as you get your job done and are productive. I definitely appreciate the work/life balance that is offered by not having a strict starting time.
by foamypirate
Tue Feb 06, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3074

Re: Best BBQ in Austin

x2 on the Franklin's. I didn't think it would live up to the hype, but I finally got my hands on some, and it is EXCELLENT (the brisket that is, the turkey and sausage were average in my book). If you don't want a line, Terry Blacks is pretty good as well (not the same as the Black's mentioned above...
by foamypirate
Sat Feb 03, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 49302

Re: Re:

I for one am tire d of all the jokes. The bad puns will continue unless the stock market regains some traction. Agreed. But that could lead to too much inflation, which could cause the wheels to come off. (Ok, if this is continue, why not push it along...) But isn't that better than rapid disinflat...
by foamypirate
Tue Jan 30, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1468506

Re: U.S. stocks in freefall

I just hope it doesn't go up tomorrow, since that's when my most recent 401K contributions will show up in the market. :twisted:
by foamypirate
Mon Jan 22, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Chevrolet Suburban - 1500 or 2500?
Replies: 26
Views: 2027

Re: Chevrolet Suburban - 1500 or 2500?

The 4L80E transmission in the 2500 is a stout transmission for sure, much stronger than the 4L60E used in the 1/2 tons. That said, GM successfully used the 4L60E for over 15 years, with good service life, in most cases, in millions of trucks. The basic transmission itself has been around since 1980/...
by foamypirate
Thu Jan 11, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1849

Re: Kenmore Washer Dryer

Life is full of trade-offs. I will gladly pay more for my water bill (a whopping $2.33/month based on our usage @ 20 gallons/load) to have a quality machine that cleans well, and lasts. That's what they told about Hummers and I don't see any on the roads these days. Anything that's not efficient wi...
by foamypirate
Thu Jan 11, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1849

Re: Kenmore Washer Dryer

We are looking at MayTag washer/dryer combo. We looked at SpeedQueen and passed up due to the machine being a waterhog. It might clean your clothes well but you'll spend on paying for water more throughout it's lifetime. Not sure why so many posters recommend SpeedQueen - perhaps, they need to chec...
by foamypirate
Mon Jan 01, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 36
Views: 4967

Re: My 2017 Budget

Certainly interesting to see! Unfortunately for me, my house payment alone (though it does include escrow for insurance and property tax) nearly puts me over your entire yearly budget. :sharebeer
by foamypirate
Wed Nov 08, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Cricket family plan is changing
Replies: 14
Views: 1553

Re: Cricket family plan is changing

Thanks for the heads up! We are with Cricket, with 5 lines. I'll make a mental note not to touch a darn thing! :D
by foamypirate
Thu Oct 26, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Indoor or outdoor camera in the garage?
Replies: 8
Views: 1077

Re: Indoor or outdoor camera in the garage?

I've had two indoor cams (foscam brand) inside of a chicken coop for the past 5 years with no issues. Once of them is in the protected coop area but is very dusty. The other is below under a protected overhang but still exposed to mist, fog, and probably even more dust. You should be fine with an i...
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: 57
Views: 5641

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...