Search found 174 matches

by TheAccountant
Fri Dec 14, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 104
Views: 5900

Re: Favorite Purchase of 2018?

a boat
by TheAccountant
Thu Dec 06, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a point to a Taxable Acount?
Replies: 25
Views: 1887

Re: Is there a point to a Taxable Acount?

It's for investing and withdrawing before retirement without penalty.

You still need to pay attention to risk tolerance, etc. just like with anything else.

For most people they are better off in a savings/MM account unless they can risk losing funds associated with market ups and downs.
by TheAccountant
Thu Dec 06, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8466

Re: Solid my entire portfolio 12/3/18

What the OP just did is a great example of what not to do with your retirement portfolio.
by TheAccountant
Mon Dec 03, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve = Inverted
Replies: 58
Views: 5996

Re: Yield Curve = Inverted

The yield curve is not inverted. Just looked last Friday with a Fidelity advisor. But it is relatively flat. We see this with quality too. You have to go down in quality to still investment grade but almost junk before you see a substantial increase in yield. Good old FDIC Insured Certificates of D...
by TheAccountant
Mon Dec 03, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve = Inverted
Replies: 58
Views: 5996

Re: Yield Curve = Inverted

It took a month or two in 2006 for the three year to yield more than the ten year. Same thing happened then too, the three year was higher than the five year. Definitely requires a careful eye. The real recession begins when the basis points increase for all categories, at least looking back in time...
by TheAccountant
Mon Dec 03, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Yield Curve = Inverted
Replies: 58
Views: 5996

Yield Curve = Inverted

https://www.bloomberg.com/news/articles ... nd=premium

[Distracting animated GIF removed by admin LadyGeek. Here's the link: https://media.giphy.com/media/a8GOUGGMCOSIM/giphy.gif]
by TheAccountant
Tue Nov 27, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: paying off all but 1 dollar of CC
Replies: 83
Views: 8205

Re: paying off all but 1 dollar of CC

It’ll hurt your credit score because your credit utilization will be higher.

One dollar won’t make a difference though. Dumb idea IMO.
by TheAccountant
Tue Nov 27, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Best budget spreadsheet?
Replies: 17
Views: 1846

Re: Best budget spreadsheet?

I’ve actually had clients offer to PayPal me money because they wanted their own copy of my custom budgeting spreadsheet.

It basically has the budget on the left, but the main part is a calendar that shows what money is coming in and out on any given day of the month.
by TheAccountant
Tue Nov 27, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2241

Re: Small Company- Negotiating Compensation

Does your career field have salary guides?

I’d want at LEAST that much in comp, plus a match of my current benefits. Really though it sounds like you’re better off at your current gig unless this company is going to double your salary.
by TheAccountant
Tue Nov 27, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7403

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

You can sue somebody for farting if you wanted to, that doesn’t mean you’ll win. The fact that this has been settled already means the chance of them coming away with any kind of money from this is slim to none. I’d contact your insurance and tell them what’s going on, and have their lawyers close t...
by TheAccountant
Sun Nov 25, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Destroying my lease mileage
Replies: 26
Views: 2588

Re: Destroying my lease mileage

$ 5,000 economy car in good condition with snow tires will be your best bet.

Park the truck.
by TheAccountant
Thu Nov 08, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7459

Re: Too many choices for my next TRUCK

Only experience I have with the current EcoBoost is my friend who went through 3 engines before Ford bought it back on lemon law. The new Chevrolet's have shudder issues that were supposedly fixed. I'm still not confident in their displacement on demand engines. Lots of rear fender and frame rot on ...
by TheAccountant
Wed Nov 07, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10740

Re: This man can predict when bubbles burst: time to time the market?

Who cares. Bogleheads and market timing are two completely different ends of the investment spectrum and a true BH accumulates wealth no matter what the market is doing because they don’t panic at every little blip and have a reasonable AA selected.

Sick of these threads.
by TheAccountant
Sat Nov 03, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17015

Re: Good Non-Boring Boglehead Cars Under $30k

The Camaro 2.0T has been on my mind lately. It’s basically a Cadillac ATS (great platform) and the ECOTEC is a great motor. The GTI with APR Stage 2 would get my vote if the Camaro isn’t your style. You can get them in 2 or 4 door and the hatch is extremely useful. Relative has one that’s 8 years ol...
by TheAccountant
Mon Oct 29, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4769

Re: Vehicle recommendations for long commutes in CO mountains

Better off running that Cherokee into the ground if you're going to be putting on that kind of mileage. Trust me, 90k is just barely broken in on cars these days.
by TheAccountant
Mon Oct 29, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

IMO - once a week to keep things lubricated. If you're going to let things sit for any length of time, you need to properly prepare them for storage. Lookup how boats are stored - a lot of this carries over to automotive storage as well. Adding some fuel stabilizer and parking a car for months at a...
by TheAccountant
Mon Oct 29, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4769

Re: Vehicle recommendations for long commutes in CO mountains

Put snow tires on whatever you get. I'd rather drive a Corvette on Blizzaks over a Civic with all seasons in a snowstorm.
by TheAccountant
Mon Oct 29, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

IMO - once a week to keep things lubricated. If you're going to let things sit for any length of time, you need to properly prepare them for storage. Lookup how boats are stored - a lot of this carries over to automotive storage as well. Adding some fuel stabilizer and parking a car for months at a ...
by TheAccountant
Mon Oct 29, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 114
Views: 11745

Re: $34k Volt vs $54k Model 3?--help me decide??

25k miles a year? Buy the most comfortable car that’ll get the job done. Fixed it for you. 25K miles a year is a lot of windshield time, you're going to want to be comfortable. Meh, if the seat moves forward and back and reclines it's comfortable enough for me. Lumbar support is a luxury!
by TheAccountant
Mon Oct 29, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Speeding ticket and insurance
Replies: 29
Views: 2288

Re: Speeding ticket and insurance

My experience with GEICO is that they will use ANY excuse to raise your rates. So, you'll need to do a cost analysis to find out the average increase after a ticket, and weigh that against getting a lawyer and all of that nonsense associated with it. My advice? Find a good traffic lawyer, send them ...
by TheAccountant
Sun Oct 14, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 802

Re: Failing Updates With Windows 7 Professional

Never understood why people are so afraid to update their software. Because windoze 10 updates are a chamber of horrors, or have you not been reading news on their latest catastrophe? That’s one update. I meant keeping windows 7 on a computer when newer versions are available. No actually it's not ...
by TheAccountant
Sun Oct 14, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1923

Re: Buy car cash or take low rate loan

Just as an example - I wanted a manual trans, extended cab 4x4 pickup that could tow 5000 lbs with ease. I looked at the TRD sport. Sticker 35k. Dealer would not negotiate. A 2016 private party was 28k. The dealer had a few on the lot for 32k with 45-60090 miles. Dealer would not negotiate and used ...
by TheAccountant
Sun Oct 14, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1923

Re: Buy car cash or take low rate loan

I wouldn’t worry about cash or finance as much as I would worry about spending 38k on a Tacoma. A Tacoma is probably the best vehicle to buy in terms of holding value. You can’t find a used 2 year old Tacoma for 8k less than original MSRP that doesn’t have a salvage title. To each his own... 38k is...
by TheAccountant
Sun Oct 14, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Barron's Making the Case for Gold
Replies: 153
Views: 12511

Re: Barron's Making the Case for Gold

Gold is historically an awful investment but it goes along nicely with tin foil hat collections.
by TheAccountant
Sun Oct 14, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Does anyone invest in commodities through an index?
Replies: 27
Views: 1766

Re: Does anyone invest in commodities through an index?

Used to. Not a good investment, even with good gains - and a PITA come tax time.
by TheAccountant
Sun Oct 14, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 802

Re: Failing Updates With Windows 7 Professional

2015 wrote:
Sun Oct 14, 2018 7:28 pm
TheAccountant wrote:
Sun Oct 14, 2018 6:46 pm
Never understood why people are so afraid to update their software.
Because windoze 10 updates are a chamber of horrors, or have you not been reading news on their latest catastrophe?
That’s one update. I meant keeping windows 7 on a computer when newer versions are available.
by TheAccountant
Sun Oct 14, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 114
Views: 11745

Re: $34k Volt vs $54k Model 3?--help me decide??

25k miles a year?

Buy the cheapest car that’ll get the job done.
by TheAccountant
Sun Oct 14, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 802

Re: Failing Updates With Windows 7 Professional

KlingKlang wrote:
Sun Oct 14, 2018 6:56 pm
TheAccountant wrote:
Sun Oct 14, 2018 6:46 pm
Never understood why people are so afraid to update their software.
You lose the ability to run useful applications that you have paid for.
Must be an IT thing.
by TheAccountant
Sun Oct 14, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Determining capital gains?
Replies: 16
Views: 472

Re: Determining capital gains?

They will issue a statement in March that you would use for tax purposes. It shows your basis.
by TheAccountant
Sun Oct 14, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Determining capital gains?
Replies: 16
Views: 472

Re: Determining capital gains?

How old are the funds? I think Vanguard calculates basis after a certain date.
by TheAccountant
Sun Oct 14, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 802

Re: Failing Updates With Windows 7 Professional

Never understood why people are so afraid to update their software.
by TheAccountant
Sun Oct 14, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Determining capital gains?
Replies: 16
Views: 472

Re: Determining capital gains?

Look at the statement issued by your brokerage company. If they’re older stocks/funds then you’ll have to do some digging to find your basis (unless your bookkeeping is spot on.)
by TheAccountant
Sun Oct 14, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10969

Re: Should we move to San Diego from east coast?

That largely depends on what part of the east coast you’re currently living on.
by TheAccountant
Sun Oct 14, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1923

Re: Buy car cash or take low rate loan

I wouldn’t worry about cash or finance as much as I would worry about spending 38k on a Tacoma.
by TheAccountant
Sun Oct 14, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6474

Re: When to stop putting money into an older vehicle

My daily driver has had a leaking (more like weeping) axle seal since it was 1 year old. Replacing it did nothing to fix it.

Just keep the fluids topped off (you should be checking everything regularly anyway) and you’ll be fine.
by TheAccountant
Sun Oct 14, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3475

Re: Boglehead's Car Talk

Don’t replace it just because of age or miles. Do you invest based off of today’s news? Run the numbers and then make the decision.
by TheAccountant
Sun Oct 14, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 6565

Re: Chipmunk problem

Set traps and then shoot them in the face with an air rifle. Dispose of carcass.

Check with your state DEC on laws and procedures regarding nuisance animals.
by TheAccountant
Sun Oct 14, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6474

Re: When to stop putting money into an older vehicle

You need to track your costs per mile and compare that number against what a new car would cost.
by TheAccountant
Sun Oct 14, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2751

Re: Making Winter Camping more comfortable

Use one of these under your sleeping bag: https://www.amazon.com/Therm-Rest-Ridge ... B0775GGXM6

Don't fool around with propane heaters or running your car to warm up. Dress for the occasion and you'll never be cold.
by TheAccountant
Wed Oct 10, 2018 9:48 pm
Forum: Forum Issues and Administration
Topic: Outbox vs Sent Items
Replies: 1
Views: 265

Outbox vs Sent Items

I just sent a PM and it shows up in outbox.

Is outbox on here similar to outlook, where it hasn’t sent yet?
by TheAccountant
Wed Oct 10, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680439

Re: U.S. stocks in freefall

I’m going to bed.

First thing tomorrow AM I’m going to login to Bloomberg with a cup of coffee and laugh at the over-hyped panic of this mere blip on the radar.
by TheAccountant
Wed Oct 10, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: What do you think of the Tesla craziness?
Replies: 25
Views: 2308

Re: What do you think of the Tesla craziness?

Let’s be honest - you don’t buy a $ 35,000 electric car to save money. They are niche products, always have been and always will be. What do you do in 5-8 years when these are all rusted out and components need to be replaced? Closest dealer is two hours away and is backlogged for months with repair...
by TheAccountant
Wed Oct 10, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Timber as an alternative - didn't work so well...
Replies: 34
Views: 5528

Re: Timber as an alternative - didn't work so well...

We sold some trees on a 15-acre plot of land for ~ $ 2,500. Not surprised at all.
by TheAccountant
Wed Oct 10, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5952

Re: Subaru: Crosstrek or Outback?

Don't they spec 0-weight oil in this thing now? No surprise that it uses a bit of oil. Not sure what they spec, but Subarus had this problem for many years, and I personally will not buy a new vehicle whose manufacturer wants me to check oil level every other fill-up. Others might find that accepta...
by TheAccountant
Wed Oct 10, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5952

Re: Subaru: Crosstrek or Outback?

So quick update, and an admission from me (OP). I have not liked the look of older Foresters. That said, the wife and I went and checked out a 2019 Forester Sport, and thought it looked really nice. It's likely polarizing on aesthetics, you'll think it looks good and like the orange accents, or you...
by TheAccountant
Wed Oct 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5952

Re: Subaru: Crosstrek or Outback?

Family of four, kids ages 4 and 7. Spouse daily driver, live in a large city (Atlanta), and spouse wants maneuverability and easy to park. Daily it will be driving around all four of us due to how we carpool and drop the kids off at school and daycare. It will also be a weekend getaway vehicle for ...
by TheAccountant
Wed Oct 10, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5952

Re: Subaru: Crosstrek or Outback?

My close relatives own both of these cars, and I've spent a fair amount of seat time in each. My thoughts: 1. Both great in the snow - even on all-seasons. 2. Both extremely comfortable Driving impressions: Both have the 4-cylinder engines. The Crosstrek is way more fun to drive. I took it hiking on...