Search found 118 matches

by regularguy455
Sun Nov 10, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2290

Re: WSJ: Underwater Car Loans

Is this really that big of a deal? Yes, the owners are underwater but it’s essentially a secured loan. The loss due to default is just the difference between the value and the loan. The leverage here seems to be relatively low and there can’t be a margin call. I mean, if people had a $100k loan on a...
by regularguy455
Sun Nov 10, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Adding Second Phone to Cellular Plan, ??
Replies: 5
Views: 367

Re: Adding Second Phone to Cellular Plan, ??

Swappa.com is reputable. If you get a 6s or above you can update to IOS 13 which ensures some amount of security and future proofing. Frankly I just bought an 11 (had a 6s) for $699 and I am really pleased with it. The new camera is excellent, battery last much longer and the Face ID is a surprising...
by regularguy455
Sun Nov 10, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Adding Second Phone to Cellular Plan, ??
Replies: 5
Views: 367

Re: Adding Second Phone to Cellular Plan, ??

I’d recommend a backup iPhone since you’re already in the eco system. You can register it to your account and it will preserve all your contacts and texts if you lose your new one (assuming you have backup setup).
by regularguy455
Sun Nov 10, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1620

Re: New thermostat for mid-late 70’s parents?

Bogle7 wrote:
Sat Nov 09, 2019 10:49 pm
As a 71-year-old-fart, I say: a Honeywell programmable for $40.

P.S. 70s, no apostrophe
I agree with this. I considered buying a fancy one for years but just settled on a basic, backlit Honeywell. You can pick them up for nothing and it does 90% of what a Nest does.
by regularguy455
Wed Nov 06, 2019 10:01 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5610

Re: The hidden cost of Fidelity’s ZERO funds

The more important issue is tax skill and tracking error. I posted a thread on this over a year ago: viewtopic.php?t=250988
by regularguy455
Mon Nov 04, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: [Upgrading from an AT&T iPhone 6]
Replies: 15
Views: 751

Re: iPhone

I just upgraded from a 6s to an 11. I’m happy I finally made the plunge. Face ID is a very useful feature. The camera is truly amazing, even though I don’t take many pictures. And the battery lasts significantly longer.
by regularguy455
Fri Nov 01, 2019 7:30 am
Forum: Personal Investments
Topic: Maxing out 401k with percentage of income
Replies: 14
Views: 1120

Re: Maxing out 401k with percentage of income

From personal experience, I have seen two instances where they cut off contributions once you hit the limit. I want to believe this is a standard practice at most large firms.
by regularguy455
Thu Oct 31, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Better.com for New Home Mortgage? Reliable?
Replies: 13
Views: 1037

Re: Better.com for New Home Mortgage? Reliable?

I let movement intimidate me into using them over an online lender. Overpaid for the mortgage and ended up refinancing 6 months later. Still kicking myself for getting boxed into it. They also put you on their mailing list and won’t stop harassing you, even if you unsubscribe and tell them to stop c...
by regularguy455
Tue Oct 29, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10592

Re: Apple Pay. Does anyone use it?

I have seen the light. Apple Pay and the Apple Card are the wave of the future. It’s a secure, fully integrated system that has everything at your fingertips.
by regularguy455
Fri Oct 25, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Directv Keeps Adding Protection Plan without My Consent
Replies: 7
Views: 659

Re: Directv Keeps Adding Protection Plan without My Consent

I pay more for YouTube TV. No drama. Never buffers. App is awesome.
by regularguy455
Wed Oct 23, 2019 6:12 am
Forum: Personal Investments
Topic: How do you get over an investing mistake?
Replies: 42
Views: 2053

Re: How do you get over an investing mistake?

Instead of going up, it could’ve gone down. Then you’d be kicking yourself for not taking more off the table.
by regularguy455
Sun Oct 20, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 120680

Re: What frugal thing did you do today?

Made homemade syrup for some waffles. 2 cups brown sugar, 1 cup water, 1 tablespoon of butter. Boil until it thickens and you’re done!
by regularguy455
Sun Oct 13, 2019 7:09 pm
Forum: Personal Investments
Topic: Sounds too good to be true - converting after tax 401k contributions immediately to Roth 401k
Replies: 13
Views: 1854

Re: Sounds too good to be true - converting after tax 401k contributions immediately to Roth 401k

Nope this is the real deal. Mega backdoor Roth. The new innovation is that fidelity can set this up and automatically convert it. Previously this was a manual process.
by regularguy455
Thu Oct 10, 2019 8:25 pm
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 65
Views: 6572

Re: Artificial Intelligence and the stock market

Automation combined with AI is a potent combination. Companies who adopt this will drive down the costs of goods and services. This will create winners and losers but owning the basket ensures you’re along for the ride.
by regularguy455
Sun Sep 29, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to convert 0% CC purchase into cash
Replies: 8
Views: 991

Re: Best way to convert 0% CC purchase into cash

You can balance transfer up to $7500 to another credit card. I know Chase allows you to accrue a negative balance. You might be able to ask for a check.
by regularguy455
Fri Sep 06, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can it get better than 15 year fixed mortgage at 3%?
Replies: 44
Views: 3630

Re: Can it get better than 15 year fixed mortgage at 3%?

I refinanced in December 2012. It’s a 30 year-fixed rate mortgage at 3.235%. It was no-cost /no-points/no escrow account and the cost of the appraisal was refunded at closing. My effective rate is more like 3% due to itemizing on state taxes while my savings at Orion Credit Union earn 4%, (3.5% aft...
by regularguy455
Thu Sep 05, 2019 7:34 pm
Forum: Personal Investments
Topic: 401K in-plan roth conversion mistake
Replies: 14
Views: 1315

Re: 401K in-plan roth conversion mistake

Wow this is terrifying if irreversible. My 401k plan just allowed in service conversions. It also said something about an automatic conversion (through Fidelity). Maybe that’s a way to mitigate this?
by regularguy455
Mon Aug 05, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: ESPP Help
Replies: 9
Views: 762

Re: ESPP Help

I’ve always viewed my ESPP as a short term, high yield CD. Holding company stock for the tax benefits is playing with fire. I’d bump up your contribution to 15% and nuke the rest. Sell as soon as the shares are granted.
by regularguy455
Fri Jul 26, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much to save?
Replies: 53
Views: 5035

Re: How much to save?

You’ll get a million responses but I try to save enough where I can retire at an age I want and continue my lifestyle. Assuming you follow boglehead investing philosophy, your only job is to pick a savings rate and an age where your investments facilitate that.
by regularguy455
Fri Jul 26, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Worthwhile to repair Honda Push Mower or buy new?
Replies: 28
Views: 1453

Re: Worthwhile to repair Honda Push Mower or buy new?

If you’re willing to put in the effort you could fix all of these issues for little cost. If you don’t want to, sell it and buy a new one. Simple as that.
by regularguy455
Wed Jul 24, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: How much discount could I expect on end-of-season mowers and trimmers
Replies: 18
Views: 1504

Re: How much discount could I expect on end-of-season mowers and trimmers

When shopping on Craigslist, NextDoor or Marketplace, time is your friend. I’ve bought tons of equipment massively discounted because people are moving or downsizing. I recently picked up a well maintained Honda lawn mower (MSRP $600) for $150.

If you want new mowers keep an eye on slickdeals.net.
by regularguy455
Mon Jul 15, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Bathtub Mat Recommendation
Replies: 17
Views: 1278

Re: Bathtub Mat Recommendation

Bath mats need to be washed weekly to remain mildew free. We wash weekly with Clorox sanitizing detergent with success.
by regularguy455
Fri Jul 12, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2867

Re: Best way to deposit Euros to a US Bank

I had a strange though. Could you deposit it in a crypto exchange then withdrawal in dollars?
by regularguy455
Thu Jul 11, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rungs on the career ladder?
Replies: 36
Views: 4838

Re: What are the rungs on the career ladder?

Only three levels: https://206hwf3fj4w52u3br03fi242-wpengine.netdna-ssl.com/wp-content/uploads/2009/10/hughMcLeodCompanyHierarchy.jpg https://www.ribbonfarm.com/2009/10/07/the-gervais-principle-or-the-office-according-to-the-office/ Haha I was waiting to see this. It’s very cynical but hilarious an...
by regularguy455
Sun Jul 07, 2019 6:33 pm
Forum: Personal Investments
Topic: Responding to a CP2000 Notice
Replies: 67
Views: 6366

Re: Responding to a CP2000 Notice

I had a CP2000 a few years back. I made a copy of the response and paid for delivery confirmation. Didn’t have any issues.
by regularguy455
Mon Jul 01, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Internet/cellphone service woes..
Replies: 12
Views: 1575

Re: Internet/cellphone service woes..

Does the company pay for cell service? If it does, you may be able to tether to LTE. I think these plans are usually unlimited but you might want to check. Just a thought.
by regularguy455
Mon Jul 01, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: student loan refinance rates?
Replies: 2
Views: 373

Re: student loan refinance rates?

I got mine in 2014 through SoFi. They used 1 month LIBOR + 3.5%. I paid it off when it went over 6%.
by regularguy455
Mon Jun 24, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: LG Washer - Try to Fix or Buy New?
Replies: 10
Views: 565

Re: LG Washer - Try to Fix or Buy New?

Washing machines and dryers are relatively unsophisticated machines. When you strip away the electronics, a washer is a big belt driven drum. What you described could be a belt or a bearing. Those are cheap to fix. I’d take a stab at doing it myself. In most cases I’ve been able to fix washers and d...
by regularguy455
Tue Jun 18, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3558

Re: Maternity and Paternity leave policies

Hello I am in a small/medium medical practice and was wondering what is standard for maternity/paternity leave ?? We remain torn as we understand the needs/demand of having children but yet it is quite hard to staff and pay for this as a small practice. As someone on the receiving end of maternity/...
by regularguy455
Thu Jun 13, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 5213

Re: 40+% increase in auto policy (GEICO) - normal?

This was my worry. I am currently with USAA and pay about $1150 every 6 months. GEICO quoted me $607, but I was worried they would just jack up my rates once I switched. That, and a friend of mine who is a PI attorney said GEICO was awful if you ever needed to use them, and USAA was the best you co...
by regularguy455
Sun Jun 02, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6953

Re: What do business pros wear on redeye Business Class flights

International business class isn’t as fancy as you think. It’s definitely nicer and you have more space, but it’s still a loud airplane. When I’ve flown business class it’s been a mixture of casual folks and people dressed professionally. In most cases the cabin was half empty. After dinner I usuall...
by regularguy455
Sun Jun 02, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Cutting The Cord
Replies: 24
Views: 2366

Re: Cutting The Cord

+1 on YouTube TV.

I think my biggest gripe with cable was the poor service and technology for the price. YouTube TV is a similar price to cable but it is a superior product in every way.
by regularguy455
Sun Jun 02, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 4120

Re: How to get the lowest mortgage rate?

Phone them and ask. Google and sites such as www.bankrate.com When we bought our first home, I went with the lender recommended by our agent. He claimed all these lenders on bankrate were junk and would miss the closing date. I ended up getting ripped off by him. 6 months later I did a refi from th...
by regularguy455
Fri May 31, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 3301

Re: 23 and me vs. ancestry- thoughts?

To everyone concerned about privacy, take a deep breath. Your data is still protected by HIPAA. When it is sold, it is de-identified so it cannot be legally merged back to you. In most cases it is used for epidemiology or data mining a disease population. These databases are also sold to Pharma as a...
by regularguy455
Fri May 31, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 40501

Re: For those who earn $500k+ per year. How'd you do that?

One took vacation time on paper, but not in reality. He did this to jack up his billable hours. The firm had some formula where taking your vacation time, but actually working it somehow boosted your billable hours over just letting it pile up. I've encountered this. The target is usually Utilizati...
by regularguy455
Thu May 30, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 69382

Re: Name something you had to have and now you regret purchasing it?

Mechanical breakdown insurance. Thought I was being clever by not buying an extended warranty. Car was cheap, had a long manufacturer warranty and I could cash flow any repairs. Got sick of paying it and dropped it.
by regularguy455
Wed May 29, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Advising young adult on pharma career-Phd?
Replies: 19
Views: 1796

Re: Advising young adult on pharma career-Phd?

Has she looked at bioinformatics? It should only require an MS and opens a lot of doors in the analytics space. If she gets bored she could easily transition into the tech space.
by regularguy455
Wed May 22, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 4874

Re: Are you missing a $15,000 payment from CRB FREEDOM?

Stab in the dark, but sounds like it could have been a balance transfer from a Chase Freedom account?
by regularguy455
Mon May 06, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6271

Re: Anybody try the Blue Apron or the like?

I've been using Blue Apron for about 2.5 years. It solves the problem of meal planning for DW and I. It is and will always be cheaper to plan yourself, but if you are looking for variety (with little to no effort) and don't mind cooking daily, it's a great solution.
by regularguy455
Fri Apr 26, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 18214

Re: Whats the Point of Climbing the Corporate Ladder?

I haven’t read anyone saying this yet, but this is a fantastic thread. Thanks for all the great posts! Lots of different perspectives from people who have done it.
by regularguy455
Thu Apr 11, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 1147

Re: Was going to purchase Bose QC25, buy fakespot gave it an F, help

If you're willing to wait you can find a pretty good deal on them on Slickdeals.
by regularguy455
Thu Apr 11, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2334

Re: Replacing Main car to get better safety features

This is basically an insurance question. There's no doubt modern cars are safer than a 20 year old vehicle. The question is what's the premium you're willing to pay to be safer? If money is no object and your wife wants a new car, why not? Yes - as well as "How Much" Safer... Based on what OP said,...
by regularguy455
Thu Apr 11, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2334

Re: Replacing Main car to get better safety features

This is basically an insurance question. There's no doubt modern cars are safer than a 20 year old vehicle. The question is what's the premium you're willing to pay to be safer? If money is no object and your wife wants a new car, why not?
by regularguy455
Thu Apr 11, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 1147

Re: Bose QC25 or QC35

QC35. Worth every penny. You don't realize how much noise a plane generates until you cancel it out. Flying is a completely different experience with noise canceling headphones.
by regularguy455
Wed Apr 10, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8946

Re: Are Airport Lounges Worth the Money?

My two cents - domestic lounges aren’t worth much but international and flagship lounges are incredible. The AA Flagship lounge at JFK is fantastic. The Turkish Airlines Flagship lounge in Istanbul was also great.
by regularguy455
Mon Apr 01, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Help with South Carolina Itinerary
Replies: 15
Views: 1217

Re: Help with South Carolina Itinerary

If money is no object, Montage Palmetto Bluff.
by regularguy455
Sun Mar 31, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 1940

Re: Relocating - Raleigh / Durham

The culture of Raleigh (and the south in general) is very different from the Midwest. Without getting into stereotypes, it will take time to get adjusted to it. I’m originally from the Midwest and love it. I’ve seen others move here and hate it. I’d say if you are uncomfortable living in a cultural...
by regularguy455
Sat Mar 30, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 1940

Re: Relocating - Raleigh / Durham

The culture of Raleigh (and the south in general) is very different from the Midwest. Without getting into stereotypes, it will take time to get adjusted to it. I’m originally from the Midwest and love it. I’ve seen others move here and hate it. I’d say if you are uncomfortable living in a culturall...
by regularguy455
Fri Mar 22, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing 4.125% 30-year fixed mortgage
Replies: 25
Views: 2963

Re: Refinancing 4.125% 30-year fixed mortgage

I don’t know if a credit is refundable, but I do know that if you refi on the 1st or the month, your first payment isn’t due for about 60 days (interest still accrues).