Search found 58 matches

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: 3601

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: 3938

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: 3146

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: 3146

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: 3146

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: 1880

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: 4126

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: 4126

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: 6274

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: 6211

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: 425

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: 425

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: 30152

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: 1778

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: 130
Views: 20777

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: 1054

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: 3786

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: 14136

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: 2922

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: 38975

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: 5106

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: 38975

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: 1779

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: 6639
Views: 1435971

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: 5783

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: 2959

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: 48437

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: 6639
Views: 1435971

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: 1910

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: 1754

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: 1754

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: 4797

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: 1514

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: 986

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: 5538

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: 9313

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: 52
Views: 8343

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: 52
Views: 8343

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: 12291

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: 3644

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: 75
Views: 42964

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: 13036

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: 5456

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: 4756

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: 742

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: 4450

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: 2036

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: 2036

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: 2036

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. ~...