Search found 139 matches

by bovineplane
Mon Jun 01, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Experience w/ Medical Lab Sciences major in college?
Replies: 5
Views: 443

Re: Experience w/ Medical Lab Sciences major in college?

Was a med technologist for a time. Specialized in donor center operations. Undergraduate degree and national certified. It was a good gig. Pay wasn't the best but I enjoyed the work. You can make a career out of it but pay will top out and is very regional. As it isn't physically demanding many tech...
by bovineplane
Tue May 26, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 88
Views: 4620

Re: does anyone have a subscription to youtube tv?

YTTV. For internet we have spectrum as ATT wasn't fast enough. Spectrum $45/month all in. YTTV $50 all in. We have two TV's. Daughter has a fire stick on her computer monitor. I use my cell on the treadmill. Only issue we had - we tried the chrome device and it was terrible. Firestick 4k works much ...
by bovineplane
Tue May 19, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4047

Re: Vault Safe in the attic; welded, anyone ?

We have a small quality safe. I'd have to measure but maybe 1 cu ft inside. It weighs significantly more than 50-100 pounds. I would never want to put it in an crawl space overhead as I have no idea how I would do it without 4-5 people or some sort of pulley system. We hid it in the house best we co...
by bovineplane
Fri May 15, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12084

Re: Selling home - low ball negotiation

I don't consider 11% off asking to be a low-ball offer. We still don't know the price range of the house. 11% off is a feeling the waters before our best and final offer. Your realtor will be zero help in counter. They only get paid if a deal closes. Realtors are incentivized to close a deal, not th...
by bovineplane
Thu May 14, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4721

Re: Peloton Treadmill: Anyone here own one..,,

I assume LV is Louis Vuitton. Sigh... I consider Coach to be very expensive. Correct. And I wasn't saying anything concerning or poor about Coach. The discussion was about quality treadmills. The Nordic track 1750 is a good entry level quality treadmills and still costs $1750. Sole f80 is I recall ...
by bovineplane
Wed May 13, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4721

Re: Peloton Treadmill: Anyone here own one..,,

I recently researched treadmills and ended up with a Landice L7. I was specifically avoiding the online classes though. Most of the research I did pointed to Peloton being a low quality treadmill relative to its price point. The motor is underpowered compared to a similarly priced alternative and t...
by bovineplane
Wed May 06, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 231
Views: 32630

Re: Changing the Subject

[quote="Jim Beaux" post_id=5234590 time=1588788879 I cant begin to cover it all here, but do your research online first. I would say rule #1 is to shut up, be patient & let the salesman dance to your rhythm. Reply with vagueness. We hated pipe smokers because they would always break our rhythm by fi...
by bovineplane
Tue May 05, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3923

Re: Lawnmower recommendation

Electric. I have a small yard. My 40v is a bit underpowered but for my small yard, maybe 2k sq feet, I wouldn't go back to gas unless I had a much larger yard. My electric is quiet, always starts, doesn't smell up my garage, requires near zero maintenance. If I could do it again I might consider a l...
by bovineplane
Thu Apr 30, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5393

Re: Why doesn't Porsche have better resale value?

Save a few low production models, Porsches depreciate for a bit from new. Look at 10 year old 911s. Then look 10 years later (now 20 years old). They hold that value surprisingly well and some will appreciate a bit from the bottom. Think turbos, S, 4S, etc.
by bovineplane
Thu Apr 30, 2020 9:56 am
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 121
Views: 5031

Re: Holding Gold as "Doomsday Fund"

I don't hold gold as part of our retirement savings but I do have a few ounces in American Eagle coins, both graded and ungraded coins. We also hold a few thousand dollars in Silver Eagles, both graded and ungraded. We accumulated these over the years. The Silver coins I have had accumulated 2004-20...
by bovineplane
Mon Apr 27, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: Why shouldn´t I buy oil futures now?
Replies: 92
Views: 7181

Re: Why shouldn´t I buy oil futures now?

Based on previous feedback of doing the opposite of Cramer - time to go long oil? https://www.msn.com/en-us/money/markets/cramer-sees-another-oil-price-collapse-this-has-to-go-to-zero-again/ar-BB13gU4G?ocid=spartanntp I don't invest in oil or this product. Just pointing out Cramer says "This has to ...
by bovineplane
Mon Apr 27, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: "certifying" a laptop to be sold
Replies: 56
Views: 2019

Re: "certifying" a laptop to be sold

Wait for BestBuy to do the turn in/gift card credit. Take out the HDD. Most often when they do this they guarantee if it turns on they give a minimum value GC. I carry in the old laptop, turn it on, power it off then remove and keep the HDD. No ebay fees, no craigslist/facebook marketplace nonsense....
by bovineplane
Fri Apr 24, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24347

Re: IRS Get My Payment up and running

Able to update my info. Then went back in and checked by my wife's SSN and it presented the banking info I entered 30 seconds prior under my SSN. System seems to be working fine.
by bovineplane
Fri Apr 24, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3359

Re: Unable to Order Work Out Equipment

So now is the time I should sell my treadmill it sounds. Sucks since I use mine regularly but if the price is right I would let it go.
by bovineplane
Thu Apr 23, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9616

Re: Best Covid19 resistant job

Corrections officer. Federal. No idea what your current salary is. Provided you have a clean record, no specific education requirement other than HS diploma. Entry level positions don't pay the best but the job is secure. Room for advancement if you do it long term. CDC has posted lots of new jobs -...
by bovineplane
Wed Apr 22, 2020 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice on buying a weekend car [UPDATE]
Replies: 90
Views: 4364

Re: Advice on buying a weekend car

Just another couple of options, like I said, my garage is not MMM/BH approved. Wife daily drives a CTS-V Sedan. Amazing car and our favorite. This is our second. Hold value surprisingly well. Went from a 2013 to a 2016 both purchased used. Sound is better on the 2013. The newer 10 speed tranny isn't...
by bovineplane
Tue Apr 21, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on buying a weekend car [UPDATE]
Replies: 90
Views: 4364

Re: Advice on buying a weekend car

10-12 year old Porsche 911. 2007-2010. Some good deals to be had going forward if the economy doesn't bounce back soon.

Not terrible BH friendly. We have two non BH approved cars in the garage. Both fully paid for.
by bovineplane
Tue Apr 21, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24347

Re: IRS Get My Payment up and running

Thank you for the response. I understand that the bank information used for 2018 or 2019 tax payments will not be used by the IRS for direct deposit stimulus payments. But I am curious if anyone who *owed* taxes in their most recent return has been able to input their direct debit bank information....
by bovineplane
Tue Apr 21, 2020 10:09 am
Forum: Personal Investments
Topic: Vanguard energy ETF?
Replies: 16
Views: 1028

Re: Vanguard energy ETF?

I held VGENX in my Roth for several years. I forget when exactly I purchased it. Kept thinking energy would rebound. These are the returns: -42.06% 1 yr -15.93% 3 yr -9.55% 5 yr -3.58% 10 yr Top 10 holdings TOTAL SA BP plc Royal Dutch Shell plc Chevron Corp. Enbridge Inc. TC Energy Corp. ConocoPhill...
by bovineplane
Mon Apr 20, 2020 4:23 pm
Forum: Personal Investments
Topic: How can I "buy into oil" at these prices?
Replies: 57
Views: 5701

Re: How can I "buy into oil" at these prices?

USO is suppose to track oil but its based on contracts. There is talk about USO possibly going to 0 and being liquidated similar to what happened to XIV. I would stay away from it. Price of oil could go up and USO can still be going down. If it goes to zero there should be nothing to liquidate. May...
by bovineplane
Mon Apr 20, 2020 1:49 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8073

Re: [Oil futures price plummets, Bogleheads react]

RayKeynes wrote:
Mon Apr 20, 2020 1:46 pm
What would actually happen if I buy 1 contract of oil? I will get 40$ and then what?

From where will the oil be delivered? Do they deliver to private people?
If you have to ask, I wouldn't recommend buying the contract :)
by bovineplane
Mon Apr 20, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24347

Re: IRS Get My Payment up and running

"According to information that we have on file, we cannot determine your eligibility for a payment at this time."

No change for us. Still holding 2019 filing as we are deeper in the phase out AGI in 2019 vs 2018.
by bovineplane
Mon Apr 20, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: How to "invest" in oil?
Replies: 85
Views: 6520

Re: How to "invest" in oil?

I'm surprised no company has started a physical oil ETF. Most unleveraged gold ETFs hold physical gold. You could do the same with oil and charge the storage cost as the ER. It would track the long term price of oil much more closely than oil futures ETFs which are hugely affected by contango/backw...
by bovineplane
Fri Apr 17, 2020 9:17 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5810

Re: How are you exercising with gym closures

In this current police state of overreaction our neighbor was stopped by the police yesterday. She was running with her dog. Not within 1/8th mile of a house, not to mention another person. She was told she needed to leave the area and if she declined would be given a citation and a court date. Our ...
by bovineplane
Thu Apr 16, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20128

Re: What are you doing for haircuts due to coronavirus shutdown?

In an attempt at market timing I started going bald in 2005. Been cutting my own hair ever since. Clippers on zero. 5 minutes later, done. Every year it seems to be faster and faster for each haircut and I slowly rebalance from 100% hair to bald. Carrying costs include a new set of clippers every 4-...
by bovineplane
Thu Apr 16, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24347

Re: IRS Get My Payment up and running

Still not working for me either. Same cannot verify my info message as yesterday.
by bovineplane
Thu Apr 16, 2020 11:55 am
Forum: Personal Investments
Topic: The zillion dollar question: when will the market bottom out?
Replies: 104
Views: 8061

Re: The zillion dollar question: when will the market bottom out?

bovineplane: If anyone knew the answer to this question thy could make a zillion dollars. Right. The only problem is they wouldn't tell anyone else. Of course they wouldn't. I wouldn't either. I would make a post 6 months after my first zillion to tell everyone on BH why market timing works.
by bovineplane
Wed Apr 15, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3334

Re: Help us save more money on a monthly basis.

Not enough info. If your after retirement savings/tax/deductions (insurance) is $13k and you still save an additional $2500/month you are doing well. This assumes you are maxing pension/401k tax advantaged space. If the $2500 savings includes what you put into retirement savings, I would say you hav...
by bovineplane
Wed Apr 15, 2020 3:24 pm
Forum: Personal Investments
Topic: The zillion dollar question: when will the market bottom out?
Replies: 104
Views: 8061

Re: The zillion dollar question: when will the market bottom out?

If anyone knew the answer to this question thy could make a zillion dollars.
by bovineplane
Wed Apr 15, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24347

Re: IRS Get My Payment up and running

Received this on trying to use the IRS Get My Payment- “ Payment Status Not Available According to information that we have on file, we cannot determine your eligibility for a payment at this time.” The system did not allow any opportunity to provide information. No work around provided. Same for u...
by bovineplane
Mon Apr 13, 2020 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Just how easy is owning real estate if you have a property manager? (super easy, or just “less hard”)?
Replies: 51
Views: 4584

Re: Just how easy is owning real estate if you have a property manager? (super easy, or just “less hard”)?

"Less hard" Cant emphasize enough the good property manager portion if you plan to be hands off. We owned 3 rentals at a time and none of them were local to us. Each was in a different state which necessitated 3 different property managers. One was very good/long term and made ownership nearly hands...
by bovineplane
Fri Apr 10, 2020 11:46 am
Forum: Investing - Theory, News & General
Topic: How long after starting investing, did you start to be happy about the power of compounding?
Replies: 92
Views: 6076

Re: How long after starting investing, did you start to be happy about the power of compounding?

Last year was the first year growth was more than our contributions. Really happy to see. Then this year so far the decrease is more than we will contribute this year. Hopefully whenever this rebounds we will be happy with the growth. If I recall the TSP opened in 2003 for us to start depositing whi...
by bovineplane
Thu Apr 09, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4992
Views: 433495

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I must have clicked on the wrong post. This sounds like a Bitcoin thread. Mooning? Yachts? Women?
by bovineplane
Tue Apr 07, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Possible PPP Loan fraud
Replies: 26
Views: 1938

Re: Possible PPP Loan fraud

I have a friend who is 1099 healthcare employee. In no danger of losing his job. Income is down slightly, perhaps 10%, due to some cancellations. Sole proprietor and made $200k last year. He is applying for the max loan despite not having a hardship. As his net income can be used as the only employe...
by bovineplane
Mon Apr 06, 2020 3:01 pm
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12527

Re: I am a Massive Loser

You have 1M in investable assets and a sizeable emergency fund at 37 y/o. Hardly anything to get beaten up about. Do what makes you sleep well at night. Strange times we are currently in. If you follow bogleheads then you already know what happens long term if you only invest at the highs. Right now...
by bovineplane
Mon Apr 06, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 263
Views: 41422

Re: How Much in Your Emergency Fund And Is It Used?

We keep an emergency fund and have had to use it. Here is our story. Both wife and I were/are government employees (military/GS) with stable employment. We chose to keep 40-50k in cash in money market accounts for emergencies despite our steady employment/pay. My BIL was diagnosed with oral cancer a...
by bovineplane
Fri Apr 03, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?
Replies: 92
Views: 6840

Re: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?

What is a secure job in today’s environment? Grocery store manager, municipal water treatment? Even healthcare professionals (usually thought to be a secure job) are getting clobbered because procedures are cancelled and hospitals are starved for cash. Cant say this enough. Friend of mine is an opt...
by bovineplane
Fri Apr 03, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?
Replies: 92
Views: 6840

Re: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?

Recessions suck, even for those with stable employment. I would never say a recession is a good thing. I have friends who left the military over the last few years for "secure jobs" that at the moment are not working. Think airline pilots, sales, etc. During the 08-09 timeframe we were both in good ...
by bovineplane
Fri Mar 27, 2020 2:12 pm
Forum: Personal Investments
Topic: Why would my company delay 401k contributions by 3 days?
Replies: 11
Views: 1197

Re: Why would my company delay 401k contributions by 3 days?

Always thought mine was delayed. check on Friday, 401k deposit Monday close of business. Every week like clockwork. Guess I am lucky.

Course over time, as long as the deposits are regular it should make no difference.
by bovineplane
Wed Mar 25, 2020 4:33 pm
Forum: Personal Investments
Topic: Why not stand on the sidelines for a little while?
Replies: 302
Views: 14236

Re: Why not stand on the sidelines for a little while?

In the end the market only has three possibilities in the next 9 months.

Higher
Lower
The same

You have all the advice you need in telling you to do what you want with your money. Nothing else to discuss really.
by bovineplane
Wed Mar 25, 2020 3:22 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296904

Re: Coronavirus and the market

Maybe, maybe not the right thread for this but the info might have an effect on the market. All below numbers taken from the CDC daily published information which I presume to be accurate. Plugged the info into a simple spreadsheet to calculate daily changes in new cases. CDC publishes daily at noon...
by bovineplane
Sat Mar 21, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: PSA Census "origins" question
Replies: 31
Views: 1517

Re: PSA Census "origins" question

I answered American.
by bovineplane
Thu Mar 12, 2020 12:09 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25896

Re: Who is staying course and how are you dealing with net worth going down?

We go to work.

My paycheck hits on Friday. My 401k withholding hits on Monday afternoon. Every week. Good times and bad. Mid month my Roth deposit is made and put in the market the same day. Good times and bad. Wife's TSP deposits every 2 weeks. Good times and bad.
by bovineplane
Tue Mar 10, 2020 2:24 pm
Forum: Investing - Theory, News & General
Topic: Using a 0% APR credit card as leverage
Replies: 26
Views: 1585

Re: Using a 0% APR credit card as leverage

Not too many with no fee. I have one with Navy Federal that seems to offer it off and on But plenty that offer 0% on purchases. Not sure how much you spend normally per month on CC.... but if it's sizable you put all your new purchases on the new 0% card and then pay your balances off on the prior ...
by bovineplane
Tue Mar 10, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: Using a 0% APR credit card as leverage
Replies: 26
Views: 1585

Re: Using a 0% APR credit card as leverage

Never paid a penny in CC interest, never paid a balance transfer fee. Haven't seen a $0 BT fee card in a good bit. At least not one that didn't cap BT to $5k (Amex). There are several with 3% fee which have an offsetting bonus to make up for the 3% with spending but the required spending offsets th...
by bovineplane
Mon Mar 09, 2020 2:28 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 295
Views: 25691

Re: Who here is buying stocks today and how much?

My weekly 401k contribution hit on Mondays. Not sure if it is end of day or beginning of day. ~$440/week. Vanguard total stock index fund.
by bovineplane
Thu Mar 05, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Federal govt position - negotiating leave
Replies: 22
Views: 1840

Re: Federal govt position - negotiating leave

Lots of statements on here, some true, some not. Rather than speculate, the following text was taken directly from a current position offering on USA jobs for a federal position. "Permanent • Full Promotion Potential GS-11/10 $87,439.00.00. Additional incentives such as Recruitment Bonus up to 25%, ...
by bovineplane
Mon Mar 02, 2020 1:46 pm
Forum: Personal Investments
Topic: TSP mistakenly shows me as separated
Replies: 2
Views: 238

Re: TSP mistakenly shows me as separated

This happened to me but I was in a unique sort of position in my career. US Army - Transitioning from Warrant Officer to Officer. the date set for this to occur happened on the 4th of the month. On the 5th my ORB was blank. My next Pay statement was no pay due. Tricare was cancelled. I checked TSP a...
by bovineplane
Fri Feb 28, 2020 10:39 am
Forum: Personal Investments
Topic: Two years from Military Retirement - G-Fund and a Mortgage
Replies: 8
Views: 943

Re: Two years from Military Retirement - G-Fund and a Mortgage

One other interesting thing I found out during the process is paid excess leave. You can sell leave during your career, up to 60 days total but only in certain situations. One of them is retirement. I found this out by accident but if I had known I might have panned differently. As you retire, I had...
by bovineplane
Fri Feb 28, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Help Buying First Car for Son
Replies: 11
Views: 722

Re: Help Buying First Car for Son

We went through this with our soon to be driving son. Looked around for 6 months with a budget of $4k. Didn't find much. One day a used Lexus GX470 2004 showed up on craigslist at a local dealer. Needed a bit of love. The drivetrain is bulletproof and the 4.7 is considered a million mile engine. The...