Search found 229 matches

by WestUniversity
Mon Aug 19, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 19778

Re: Do you buy new or used cars?

We usually buy used with very low mileage and only 1-2 years old... I attempted to do this when I bought my Wrangler. But I didn't feel I could afford the used ones available, so I bought new. Actually ordered exactly what I wanted and saved $4k over 2 year old used ones. Someday I'll be rich enoug...
by WestUniversity
Thu Jul 18, 2019 9:51 pm
Forum: Personal Investments
Topic: Bad time to enter the market?
Replies: 40
Views: 4328

Re: Bad time to enter the market?

Putting a predetermined amount in on a regular basis takes advantage of dollar cost averaging, which over the long haul boosts your return. Because it’s a fixed dollar amount being invested she will be buying a fewer number of high priced shares and a larger number of lower priced shares... Well .....
by WestUniversity
Thu Jul 18, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 14551

Re: House not appraising for amount we were offered!

We put our house on the market on a Friday morning and by 8pm that night, we had an offer for 257k. Our asking price was 254.9k, so the offer was obviously a huge offer. Fast forward to last week and the appraisal came back 230k. We now have a dilemma because most banks only loan up to the appraisa...
by WestUniversity
Thu Jul 18, 2019 8:55 pm
Forum: Personal Investments
Topic: Bad time to enter the market?
Replies: 40
Views: 4328

Re: Bad time to enter the market?

Putting a predetermined amount in on a regular basis takes advantage of dollar cost averaging, which over the long haul boosts your return.

Because it’s a fixed dollar amount being invested she will be buying a fewer number of high priced shares and a larger number of lower priced shares...
by WestUniversity
Thu Jul 18, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 35
Views: 2621

Re: replacing mulch bed recommendations

I have mulch beds around the front and back of my house. I'd like to replace them with a material that will not need to be replaced yearly and in which weeds will not grow, so that there is minimal maintenance and ongoing cost. I think there are two main options: 1. plant pachysandra or vinca minor...
by WestUniversity
Thu Jul 18, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting a life advisor business?
Replies: 25
Views: 2013

Re: Thoughts on starting a life advisor business?

To echo some of what EddieGie said, my biggest concern would be the liability aspect. We live in a very litigious society and people sue at the drop of a hat. I once heard an attorney at a conference giving a presentation on risk. He said to the gathering that the one number we all needed to keep in...
by WestUniversity
Tue Jul 16, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Car Rental in Europe--specifically Sicily
Replies: 27
Views: 1565

Re: Car Rental in Europe--specifically Sicily

According to Rick Steves, whatever liability insurance they offer, take it. Also in Italy you are supposed to have an international drivers license. He said he has never been asked for his, but if they do ask you need to be able to present it. You can obtain one at any AAA office for about $25.
by WestUniversity
Sat Jul 13, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 8407

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

I like the field of accounting Are you sure? One of the hot topics in accounting right now is new FASB guidance on lease expense recognition. Give this page-turner a read and let us know how far you get before you nod off. https://www.pwc.com/us/en/cfodirect/assets/pdf/accounting-guides/pwc-lease-a...
by WestUniversity
Sat Jul 13, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 8407

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

My wife says passing the CPA exams was one of the hardest things she ever had to do. Solid earning potential, though. And every company needs accountants, so jobs are everywhere. I don't see why 37 would be too late. The downside is long hours during month end close. You can forget taking vacations...
by WestUniversity
Thu Jul 11, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Home Can I Afford?
Replies: 18
Views: 1639

Re: How Much Home Can I Afford?

I've always gone by the adage that housing should cost <=25% of after-tax income. Assuming that maxing your 401k means $1,583/month, then that would put after-tax take home at ~$7,600. giving a little leeway, I probably wouldn't spend more than $2k (maybe up to 2,300) monthly on housing. Obviously,...
by WestUniversity
Thu Jul 11, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 14542

Re: Should I encourage my kids to work in high school/college?

In high school we didn’t expect our kids to work. Our position was their job was being a student. That said however they both ended up working anyway. The same thing happened in college. The difference there however was, as we told them, that we were providing enough money for an education, not a li...
by WestUniversity
Thu Jul 11, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 70
Views: 9165

Re: Survived the First Week [of retirement, what's next?]

Congrats on your retirement! I’m about 7 months in now. Health issues were among my many reasons for retiring early. It took several months for the stress to subside and my blood pressure to level out. Getting back into the gym has no doubt had a factor in that as well. I have been catching up on my...
by WestUniversity
Thu Jul 11, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1945

Re: Recommendations for binoculars

I have some inexpensive compact folding binoculars like these. They fit great in my pants pocket and quite easily into any pocket in my backpack. No need to hang them around my neck or use a bulky carrying case. For as little as I use them this is all the quality I need to buy... Skygenius 8x21 Smal...
by WestUniversity
Thu Jul 11, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 6125

Re: Automatic Watches

I have a TAG Heuer Aqua Racer. It’s built like a tank. Truly the toughest watch I’ve ever owned.

That said I received and Apple Watch from DW when I retired. It’s now all I wear...
by WestUniversity
Tue Jul 09, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 7741

Re: Buying a Smoker

Another vote for the electric smoker. I find it to be much less work. I leave whatever the meat is in the smoker long enough to get enough smoke on it and then I finish it off in the oven in the kitchen. Comes out tasty, tender and is far less work IMHO...
by WestUniversity
Mon Jul 08, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11706

Re: What backup service to use?

iCloud and an external 1 TB usb drive. I don't take chances with data...
by WestUniversity
Tue Jul 02, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: So the year is officially half over
Replies: 32
Views: 3503

Re: So the year is officially half over

carolinaman wrote:
Mon Jul 01, 2019 6:44 am
No changes for me. I have a simple portfolio and am a "stay the course" investor. The market has been good, but even if it were not, I would still not make any changes.
Ditto...
by WestUniversity
Tue Jul 02, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3382

Re: Any insurance beating USAA?

USAA might be great for their own customers but in the case of a family member whose car was totaled by one of their customers, in an accident that was the fault of their customer, they were a PITB to deal with. That experience did nothing to endear me to them... Nope. We're USAA customers going th...
by WestUniversity
Tue Jul 02, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Robotic Lawnmowers?
Replies: 18
Views: 1557

Re: Robotic Lawnmowers?

Do you really need to mow every weekend? Even here in the NE with perfect mix of sun/rain there is only about 6 weeks in the spring where that might be necessary. Here in coastal Texas, the rate of growth from May to September can be incredible. Yard can go from perfectly cut to looking shabby in 5...
by WestUniversity
Wed Jun 26, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3382

Re: Any insurance beating USAA?

USAA might be great for their own customers but in the case of a family member whose car was totaled by one of their customers, in an accident that was the fault of their customer, they were a PITB to deal with. That experience did nothing to endear me to them...
by WestUniversity
Wed Jun 26, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1801

Re: Going to Ireland in July

2. Make sure you bring your GPS with you, using google maps was not as helpful as our gps particularly at the MANY roundabouts you will encounter. The Garmin gps indicated which turn to make when entering a roundabout with many have 4 options as to where to turn. They have roundabout every mile or ...
by WestUniversity
Wed Jun 26, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a insurance company
Replies: 16
Views: 924

Re: Help me choose a insurance company

sport wrote:
Wed Jun 26, 2019 12:36 pm
I've used State Farm for many years. I have been satisfied.
+1
by WestUniversity
Wed Jun 26, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: World Cruise anyone ??
Replies: 20
Views: 2351

Re: World Cruise anyone ??

We have been on many cruises. The longest we’ve been on is two weeks.

I have looked at the Princess world cruise and would love to do it. DW however would absolutely go nuts after a couple of weeks...
by WestUniversity
Mon Jun 10, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 31
Views: 2635

Re: Luxembourg--worth visiting?

When I was younger, the reason to go would have been to say I'd gone. Now, given how exhausting such a short trip would be, I feel like I need more. What do you guys think--is Luxembourg worth a short visit? Absolutely. I’ve been to Luxembourg City. Very picturesque. Additionally as another poster ...
by WestUniversity
Sun Jun 09, 2019 6:29 am
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 6446

Re: Thank you, Taylor Larimore!

truenorth418 wrote:
Thu Jun 06, 2019 8:01 am
Thank you Taylor - both for your military service and your role in creating and sustaining the Bogleheads community.
+1
by WestUniversity
Sun Jun 09, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Road trip Salt Lake or Az to Vegas November
Replies: 8
Views: 820

Re: Road trip Salt Lake To Vegas November

Zion National Park would be the easiest park to visit driving down Hwy 15. You could probably get a room at the lodge: https://www.zionlodge.com You take your chance with the weather. Zion is really beautiful. Also check out Valley of Fire state park about an hour north of Vegas. Also has some grea...
by WestUniversity
Sat Jun 08, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 10261

Re: Do you carry Umbrella Insurance?

It is a bit more than 100% of net worth. MY rationale is same as previous poster. It is affordable and is an amount that insurance company would probably put up spirited defense and not just easily settle. Agreed. Once you’ve paid for the first million dollars of coverage, the premium for each addi...
by WestUniversity
Thu Jun 06, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7746

Re: Do you drive old cars for long distance travels?

If your car is at least 10 years old and with 100k miles, do you still use it for long distance travels (more than 5 hours of driving)? I don’t, and I am a stickler about maintenance. But even so, for me as a car ages there are just too many things that can go wrong on a long road trip, where every...
by WestUniversity
Thu Jun 06, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 484
Views: 55520

Re: What is/ was your career and would you recommend it now?

Finance/accounting for 37 years. Businesses are always going to need accountants, so from that perspective there is job security/stability. If there is a downside it’s having your life rigidly scheduled around a monthly cycle of month-end close, producing financial statements, account analysis, budg...
by WestUniversity
Sun May 26, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 58
Views: 4704

Re: Any audiophiles on this forum?

Summit111 wrote:
Fri May 24, 2019 11:19 pm
Sonos whole house system...wish I’d done it sooner...

Professional musician here...

Summit
Ditto and ditto. Love my Sonos system. Found out about Sonos from a friend a few years ago. Love it!
by WestUniversity
Sat May 18, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3386

Re: Synthetic oil or not for very low mileage auto?

Another vote for synthetic...
by WestUniversity
Sat May 18, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 30
Views: 4168

Re: Arc'teryx - Anyone else here splurge?

I’m an Obermeyer fan myself. I’m a skier and I love their gear...
by WestUniversity
Sat May 18, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 30
Views: 4168

Re: Arc'teryx - Anyone else here splurge?

I’m an Obermeyer fan myself. I’m a skier and I love their gear...
by WestUniversity
Mon May 13, 2019 5:13 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4539

Re: Email to my Edward Jones Rep

inverter wrote:
Mon May 13, 2019 1:45 pm
Why send him a note? Just call Vanguard or Fidelity and start the transfer.
Exactly. Go to your new InvestCo and simply have the funds transferred from EJ into your new account. No need to contact EJ at all...
by WestUniversity
Sun May 12, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 8479

Re: Inherited ranch

Sounds problematic. I wouldn’t do it..,
by WestUniversity
Thu May 09, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 8107

Re: How much do you donate?

About 11%. Ten percent to our church and the rest to help support two separate missionaries..,
by WestUniversity
Mon Apr 29, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1200
Views: 146053

Re: Fidelity as a one stop shop

I will just respond to item number one. What you described is exactly what we have at Fidelity. A sweep money market account that right now I think it’s around 1.7% interest, checking comes out of that account, and we get free ATM. Actually, whenever use an ATM account gets charged, and then credit...
by WestUniversity
Sat Apr 27, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Inflation assumption for planning
Replies: 24
Views: 1469

Re: Inflation assumption for planning

I have a cell in my master spreadsheet where I can adjust my overall schedule inflation percentage. I will look at 0%, 1%, 2.5%, whatever...
by WestUniversity
Thu Apr 25, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3461

Re: Why would Ortho push for Invisalign? (non-medical question)

I had Invisalign and the difference for me wasn’t the cost, it was the time. IIRC traditional braces for me were going to take something like 20 months. With Invisalign I was complete in 9 months... Wow, that quite a good difference! It was. IIRC I had about 25 aligner sets. I was supposed to wear ...
by WestUniversity
Thu Apr 25, 2019 5:34 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 17067

Re: Dump international?

onourway wrote:
Wed Apr 24, 2019 10:23 am
The point of diversifying investments has never been to maximize returns.
+1
by WestUniversity
Thu Apr 25, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3461

Re: Why would Ortho push for Invisalign? (non-medical question)

I had Invisalign and the difference for me wasn’t the cost, it was the time. IIRC traditional braces for me were going to take something like 20 months. With Invisalign I was complete in 9 months...
by WestUniversity
Wed Apr 24, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4396

Re: Wifi extenders vs Mesh network

ElJefeDelQueso wrote:
Wed Apr 24, 2019 7:58 pm
Netgear Orbi, works great. WiFi extenders generally limit bandwidth, can be flaky in my experience.
Another vote for Orbi. Set ours up about a month ago. Super easy setup and the WiFi is great throughout my house.

I did NOT have good luck with extenders...
by WestUniversity
Tue Apr 23, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2534

Re: River cruise, Avignon to Lyon, France

Norwegian Air has great rates to Paris. Also consider flying in to Paris and out of another European location. Just to be clear, I'm asking mostly about how to get from Paris to Avignon and from Lyon to Paris. I can figure out how to get to Paris from the states. Not sure about between París and Av...
by WestUniversity
Tue Apr 23, 2019 10:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1879
Views: 195492

Re: "S&P 500 Index closes at record high"

Jerry476 wrote:
Tue Apr 23, 2019 9:46 pm
Some time back, I threw in with Taylor. I’ve been quite pleased with the results. If others feel they have a better plan, have at it. Best of luck.
Well said...
by WestUniversity
Wed Apr 17, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 4325

Re: Newbie international traveler

I NEVER use a wallet in Europe. Pickpockets and gypsies are everywhere in the cities. Particularly where large crowds gather, on subways, trains, busses and crowded events (indoors or outdoors).

Use a money belt. And if any of your cards are RFID get an RFID money belt...
by WestUniversity
Wed Apr 17, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Granny Cam
Replies: 8
Views: 1417

Re: Granny Cam

A friend of mine had good luck with a Nest camera...
by WestUniversity
Wed Apr 17, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 13213

Re: What Are Your Simple Pleasures?

Coffee, wine, food, friends and family...