Search found 44 matches

by SundayMorning
Mon Dec 21, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: Surveys
Replies: 9
Views: 468

Re: Surveys

I received a survey from my primary bank the other day. Wanted to know how I felt about my recent ATM transaction...lol
:annoyed
by SundayMorning
Fri Dec 18, 2020 12:05 pm
Forum: Personal Investments
Topic: Where are you storing your emergency fund money?
Replies: 79
Views: 6138

Re: Where are you storing your emergency fund money?

100% Bitcoin. I will time my emergencies for up days. :twisted: Actually, I gave up chasing yield on emergency funds a few years ago. My strategy is: 1. 2 months expenses in main checking 2. 6 months expenses in online savings account 3. If more is needed, tap the Taxable Brokerage account I used to...
by SundayMorning
Fri Dec 18, 2020 11:12 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2054
Views: 252732

Re: Post your Financial Milestone Announcements Here

This is the first year that our NW increase (YTD) exceeds our annual income. I am in a race to financial independence before MegaCorp casts me out.
8 months or less left on the Mortgage. Both kids out of college and working.
by SundayMorning
Thu Nov 12, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26201

Re: Taylor Sends His Best to Fellow Bogleheads

Taylor, your smile in that picture put a big smile on my face! Wishing you the best. :happy
by SundayMorning
Thu Oct 15, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Utube TV and Sony smart TV
Replies: 9
Views: 605

Re: Utube TV and Sony smart TV

Roku Express is usually between $25 and $35 and will get the job done. I have yet to see a Smart TV have apps that are not buggy or obsolete after a few short years. Firesticks or Roku cannot be beat for the price.
by SundayMorning
Tue Oct 13, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 499
Views: 31834

Re: What fun car should I get in the $150k - $200k range?

How 'bout waiting for the C8 Corvette Zora? Should be in that $150K + range. Likely limited numbers will be made for that trim level.
by SundayMorning
Mon Oct 12, 2020 3:19 pm
Forum: Personal Consumer Issues
Topic: Favorite Horror Books
Replies: 40
Views: 2365

Re: Favorite Horror Books

Stephen King fan here too.

I can recommend The Hyde Effect, Steve Vance. The sequel is also good; Shapes.
by SundayMorning
Thu May 14, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178373

Re: What frugal thing did you do today?

@Zeal LOL, prompts so many questions. But to limit a to a few: 1. Do you limit 1 square per visit? 2. Do you use both sides? 3. Could you accelerate "winning the game" if you installed a bidet? May benefit by International Diversification of at least partial bidet use. 4. Do you include TP...
by SundayMorning
Sat Feb 08, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32225

Re: What is the best concert you ever witnessed?

The Stones, Steel Wheels tour in Foxborough MA. Keith looked like he was at death's door even then (1989), but they sounded great. :D I was at that concert and it is on my top ten list. Also saw Pink Floyd at Foxborough. Too many good concerts to choose the best one. I really enjoyed Blue Oyster Cu...
by SundayMorning
Fri Jan 31, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you that include your vehicle(s) in your net worth, how do you determine its value?
Replies: 66
Views: 2769

Re: For those of you that include your vehicle(s) in your net worth, how do you determine its value?

HoosierJim wrote: Fri Jan 31, 2020 11:03 am Just as some people on this site, we drive our cars until they don't move anymore so the asset value depends on how much gas is in the tank.
Same here. When I say the car is totaled - my wife knows we are low on gas. :D
by SundayMorning
Fri Sep 06, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: 2019 Hyundai Elantra SE
Replies: 15
Views: 1035

Re: 2019 Hyundai Elantra SE

Could you please elaborate more on how you "worked the process"? Is the "either take 0% APR or the rebate" a final say? I assume you ended up paying in cash? What I meant by "working the process" is waiting them out and sending the salesperson back to "the manager...
by SundayMorning
Fri Sep 06, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: 2019 Hyundai Elantra SE
Replies: 15
Views: 1035

Re: 2019 Hyundai Elantra SE

They don't care how you finance the purchase. Pay cash or have your best interest rate you can get elsewhere in your back pocket. I ended up at 3%, which was available at my local PNC Bank or through them shopping their list - Bank of America. There should be some fine print on their website that hi...
by SundayMorning
Fri Sep 06, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: 2019 Hyundai Elantra SE
Replies: 15
Views: 1035

Re: 2019 Hyundai Elantra SE

The only place you may hit a "game" is if they have used a Hyundai rebate to create your OTD price, and the use of the rebate and the 0% financing is either/or. If using the 0% financing negates the rebate they are using, they will want to raise the price, or not offer the 0% financing. T...
by SundayMorning
Sat Mar 16, 2019 1:40 pm
Forum: Personal Investments
Topic: Should I borrow from my emergency fund to max out my ROTH IRA
Replies: 22
Views: 1257

Re: Should I borrow from my emergency fund to max out my ROTH IRA

Ok, since no one else has mentioned this...I'll be the bad guy. :twisted: You do not seem to be in a position to be anyone's bank. I would be careful loaning money to anyone (even Dear Ole Dad) unless I had a comfortable emergency fund and can easily max out retirement accounts. Even so, I do not lo...
by SundayMorning
Wed Jan 09, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage...what to do next
Replies: 32
Views: 2911

Re: Paid off Mortgage...what to do next

Interesting, wish I could pay my mortgage with a credit card. Our loan servicer does not accept credit cards. Were you able to use the card as normal to pay the mortgage / were where additional fees to do so? Did you get cash back rewards on that transaction? Congrats on the mortgage pay off! :share...
by SundayMorning
Fri Jan 04, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 153
Views: 9715

Re: What Do You Spend The Most On Annually?

HomerJ wrote: Fri Jan 04, 2019 3:55 pm Bud Light.

I intend to retire the day I have enough money to buy 1.5 million cans of Bud Light.

I figure that should last me through 30 years of retirement.
Solid plan! Buy all at once for a volume discount. If it goes stale, you will hardly notice since it tastes like Bud Light :wink:
by SundayMorning
Sun Dec 30, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 62432

Re: That Extravagant Thing You Do

Max out my 401K and our Roth IRA's. I do not know anyone in real life that does that... :D
Just keeping up with the Joneses my virtual Bogleheads!
by SundayMorning
Sun Dec 30, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Trying to understand my wife's dental school loans
Replies: 26
Views: 2719

Re: Trying to understand my wife's dental school loans

Wow! :shock: Beans and rice time; punch those student loans in the teeth with a vengeance. My recommendation is to beef up your emergency fund, $10K seems light. Especially if starting a family in the next year. Pulling from your taxable account for an emergency during a market downturn would sting....
by SundayMorning
Mon Dec 17, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 9270

Re: When has being frugal or cheating out bit you in the rear?

Bought car. Drove it around. Ignored oil light. Destroyed engine. $3000 engine replacement. I fail to see where this is being frugal or cheap.......just not very smart I mean, I had heard of oil changes, but I figured they were only to optimize efficiency or something and that I could get by withou...
by SundayMorning
Mon Aug 13, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 14373

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

You do realize that Honda's have actually had the most severe problems with this right?? The reason they got the early replacements is because their air bags killed more people. Well aware of Honda's airbag recall, as well as the lengths Honda has gone to respond. My dissatisfaction with Ford has l...
by SundayMorning
Mon Aug 13, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 14373

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

What model year Fusion do you have? I have a 2010 and dealer says no ETA on parts. Dealer gave me 2018 base Fusion for rental. Mine is a 2007 Fusion. I think you will find that parts get prioritized when the meter is running with your rental. In our case, the parts magically were available within a...
by SundayMorning
Thu Aug 09, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 14373

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

This week, I finally got my Ford Fusion airbag recall resolved after 2+ years . Had a rental car for just the last month before the parts were available. Was a frustrating process. Insult to injury, the local Ford dealer that provided the repair work had poor customer service / lack of communication...
by SundayMorning
Mon Jul 23, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone sell their car to Carmax or webuyanycar.com?
Replies: 34
Views: 14087

Re: Anyone sell their car to Carmax or webuyanycar.com?

Yes, I just unloaded a beater on Saturday. Used We Buy Any Car and it went quite well. 5 minutes on the website, a couple emails, a 3 minute appointment confirmation call, and a 1 hour meeting. Sales price was fair. Will use them again on my next one. Avoiding the hassle factors was priceless :happy
by SundayMorning
Tue Jul 17, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Who has owned a ski boat or waverunner & did you regret it?
Replies: 29
Views: 23107

Re: Who has owned a ski boat or waverunner & did you regret it?

I regret the Sea-Doo I bought for $7,000 in 1992 and destroyed by jumping waves. Sold it three years later for $2,000; back to the place where I originally bought it since I was moving out of state on short notice for a job. Was told after the fact, I should not use Sea-Doo's or Wave Runners in the ...
by SundayMorning
Fri Jul 13, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24550

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Blockchain
Bogleheads Haystack Coin
IHOB (International House of Bogleheads)
by SundayMorning
Tue Apr 17, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: The World in 2050 — GDP & Stock Market Capitalization
Replies: 71
Views: 11347

Re: The World in 2050 — GDP & Stock Market Capitalization

...100yrs ago, the largest US companies (e.g. Ford, etc..) employed ~100,000 workers. Today, the largest US companies (e.g. Facebook) employ ~10,000 workers. When sorted by number of employees, the largest US employers are Walmart with 2,300,000 and Amazon with 541,900. https://en.wikipedia.org/wik...
by SundayMorning
Mon Feb 26, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???
Replies: 42
Views: 3180

Re: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???

Altra makes a trail shoe mid top that comes over the ankle. Although not what you asked for in this instance, you may want to peruse their website for future reference for trail running shoes or trail hiking shoes.
by SundayMorning
Wed Feb 21, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178373

Re: What frugal thing did you do today?

I have never much liked the heels on sliced bread but I have found that if they are used in a sandwich with the crusty sides facing in that the difference is hardly noticeable, although that wouldn't work with an open-faced sandwich. My wife does that to me sometimes. I get a stealthy heel PB&J...
by SundayMorning
Wed Feb 14, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178373

Re: What frugal thing did you do today?

DW texted me a photo of a Valentine's Day card today. Apparently the one she liked was $5.00; she normally spends $.50 to $1 on cards. Therefore, we went paperless this year. No worries about lifestyle creep here :wink:
by SundayMorning
Wed Dec 27, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 17359

Re: Another should i buy my dream porsche thread...

I am a dream car dreamer as well. My wife, however, is not a car person. So, I will likely continue to dream on indefinitely... Since it is your money though, I would wait until the net worth is greater than 1 Million, can pay cash in full, and you change your mind to a Corvette instead of a Porsche...
by SundayMorning
Wed Dec 27, 2017 4:30 pm
Forum: Personal Investments
Topic: Can I afford a $600-650k house?
Replies: 60
Views: 9757

Re: Can I afford a $600-650k house?

OP, some thoughts from a middle aged dude on the innerwebs that lived through his 20's and made his share of ridiculous personal finance mistakes. I learned the hard way and can with experience recommend to you the following: 1, Determine your savings and retirement funding goals 1st. 2. Automate yo...
by SundayMorning
Wed Dec 27, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 11902

Re: Diamonds are forever.

In my household a ring upgrade would not fly, unless it came with a time machine to go back and be present for the engagement and wedding. One cannot simply replace the ring with such sentimental value, at least in our case. The good/bad news is that I probably spent too much in the first place. My ...
by SundayMorning
Tue Dec 26, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425347

Re: What Movie Have You Recently Watched?

Greatest moment in the Last Jedi:

Luke casually brushing dust off his shoulder.

Pure awesome.


I liked when Snoke told Kylo to remove that ridiculous mask.
by SundayMorning
Mon Dec 25, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Samsung J3 or J7
Replies: 21
Views: 2093

Re: Samsung J3 or J7

Unlocked Moto G5; we have three in our family. My daughter has the J3 and cannot wait to upgrade to the Moto G5.
by SundayMorning
Mon Dec 25, 2017 9:46 am
Forum: US Chapters
Topic: My Christmas Present to You
Replies: 106
Views: 14332

Re: My Christmas Present to You

Taylor, many thanks to you and the truly Greatest Generation.
The two finest men I have ever known, both of my Grandfathers who were WWII vets.
Merry Christmas!
by SundayMorning
Sun Dec 24, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 7500

Re: Not investing through your 30's

OP, I am your future self if you choose that course. Take a good look at that graph above. In my late forties, I am swimming up hill against the current, with an anchor tied around my waist. :oops: If I had only invested 15% from my first "real job" in my 20's, through run ups and crashes....
by SundayMorning
Fri Dec 01, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: I met my first Retirement Savings goal
Replies: 26
Views: 2953

Re: I met my first Retirement Savings goal

You are doing great! By your age I had already blown that much or more, then started over again. :oops:

I was such a dummy I had to do it twice. At 48 & 47 we are on track to be FI by 58-ish.

:sharebeer
by SundayMorning
Wed Nov 22, 2017 1:57 pm
Forum: Personal Investments
Topic: Did you end up overfunding a 529?
Replies: 13
Views: 2096

Re: Did you end up overfunding a 529?

I am interested in hearing about this too. Also would be interested in hearing the 529 balance at the time the kids education began and what type of university. My current plan: I am currently aiming to fund enough to have be able to pay In-state tuition for all 4 years x 2 kids today. In my state ...
by SundayMorning
Mon Nov 20, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 7751

Re: Drive it till it dies. It died.

I would not buy another one, if I had your experience. Mazda is off my list going forward, from a 626 that needed a new transmission at 90K miles. I will not buy another Ford either, as they have not handled an air bag recall appropriately after 2 years +. Simple as that; off our list in my family. ...
by SundayMorning
Sat Oct 21, 2017 10:10 am
Forum: US Chapters
Topic: [favorite] Boglehead quotes
Replies: 153
Views: 22898

Re: [favorite] Boglehead quotes

"The beer is the same, but mutual fund is the beer in a bottle and ETF is the beer in a can."

"Beer tastes better from a bottle than from a can" - me :happy
by SundayMorning
Fri Oct 20, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 8218

Re: Is a crash coming soon?

Is a crash coming soon?

My magic 8 ball says "without a doubt" :D
It has correctly predicted 9 of the last 2 crashes , which is on par with most of the experts. :wink:
by SundayMorning
Wed Sep 13, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 4196

Re: Strategy for smartphones.

My strategy was to use free work mobile phones. $0 costs to me. My wife did not want a mobile phone for the longest time. We never caved to getting our kids phones until they were much older. Fast forward: after changing jobs 10 years ago, we have bought 6 unlocked phones so far at a total cost of u...
by SundayMorning
Tue Aug 15, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 8901

Re: Plan for making child pay for part of college

“Skin in the Game” one family’s blessing….YMMV Posting this as a real life example in hopes that it may benefit the (OP) and others on their journey of getting their children through College. Both from the financial aspect and developmentally as they move into the realm of adulting during today’s ch...
by SundayMorning
Tue Jul 11, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 3714

Re: Outside Pittsburgh short trip ideas

Those are some great recommendations above. If you are out that way, you will not be far from the Flight 93 National Memorial.