Search found 39 matches

by foamypirate
Wed Feb 21, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 84
Views: 3207

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: 35
Views: 2861

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 Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 84
Views: 3207

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: 1605

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: 5595
Views: 1263716

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: 5179

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: 2626

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: 46435

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: 5595
Views: 1263716

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: 1735

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: 1582

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: 1582

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: 35
Views: 4079

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: 1364

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: 859

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: 5219

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: 8313

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: 7766

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: 7766

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: 11622

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: 3292

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: 39654

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: 11651

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: 2769

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: 4570

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: 674

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: 4175

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: 1855

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: 1855

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: 1855

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: 1855

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: 1855

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: 2864

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: 5440

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: 5440

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: 4124

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: 9272

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: 13235

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...