Search found 382 matches

by Socrates
Thu Aug 22, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 8
Views: 813

Re: Is it worth sealing half a fence?

I consider it more aesthetic in nature.
Thank you! PS I love Texas would loved to move to Georgetown.
by Socrates
Thu Aug 22, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 8
Views: 813

Re: Is it worth sealing half a fence?

thank you all for taking the time to respond.....yeah was goona keep but my house from 2010 and fence posts were mostly rotted out If the fence is quality built from cedar, you do not need to seal. The posts (if wooden) and creavices/cracks will rot out long before the open parts of the boards will....
by Socrates
Thu Aug 22, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 270
Views: 39362

Re: Anyone disenchanted with retirement?

crazy if you are



like nothing better than not to work, but to enjoy free time with loved ones, nature,traveling, sleeping....you name it
by Socrates
Mon Aug 19, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 8
Views: 813

Is it worth sealing half a fence?

A new house was built next to me and the builder offered to replace my old fence with a new one. The house next door is vacant and the new fence is unsealed. Is it worth it to seal my side (and top) of the fence if the other side is unsealed? I dont want to spend the money and a lot of time if it do...
by Socrates
Wed Aug 14, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 45
Views: 3342

Re: Cutting the Cord - NFL Network?

NFL Network or Sunday Ticket....two very different things :shock:
by Socrates
Tue Aug 13, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10160

Re: Healthy fast food

Not understanding the Subway option.....That is not real food and very unhealthy.

Also, most fast food salads are loaded with sugar and/or sodium. The chic filet one is supposedly the healthiest, but I have never had one.
by Socrates
Mon Aug 12, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should we move
Replies: 45
Views: 3842

Re: Should we move

Hi all looking for some guidance on if my family of five should move? Kids 8,6 and 2. Me and the wife are 1 mile from work kids can walk to schools life is very convenient here however we would like more space but can’t afford our local housing market. Would have to move 20 minutes away from work, ...
by Socrates
Thu Aug 08, 2019 11:48 am
Forum: Personal Investments
Topic: New employee to State of California CalPERS
Replies: 8
Views: 1590

Re: New employee to State of California CalPERS

Does the 401(k) there offer a match? Can STRS be rolled over into a CalPers retirement? Are the health benefit plans any good? My wife has recently applied (and looks to have secured the jobb as they are checking reference). I am interested as my health benefits are very good as I work for a college.
by Socrates
Mon Aug 05, 2019 2:53 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 12572

Re: Buy During This Dip?

SP prices are not much of a dip.......Early June 2019????
by Socrates
Mon Aug 05, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 43
Views: 6387

Re: Anyone Tried Costco Travel Packages?

I use them to book my trips to Hawaii (Maui and Kauai) and they have been great. Make things simple as the bundle air, hotel and car together. They use really nice resorts in Hawaii and during my last trip to Kauai they included a breakfast upgrade for free which allowed me daily breakfast for free ...
by Socrates
Mon Aug 05, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11767
Views: 2018960

Re: U.S. stocks in free fall

What am I missing???? SP is now priced same as early June 2019 (as of 11:00 PST)???? Why would I buy?
by Socrates
Mon Aug 05, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 922

Re: Anybody purchase 2017-2019 Honda CRV?

I purchased a 2019 Subaru Outback in the 'Touring' trim
nice choice! Thank you all for the feedback.
by Socrates
Mon Aug 05, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 922

Re: Anybody purchase 2017-2019 Honda CRV?

Was considering a '19 CRV but got a Mazda CX 5 instead....much better price, rides nicely and fewer customer complaints. On a side note, I've owned Hondas for 35 years, currently own 2017 Civic Hatchback with 9000 miles on it...a/c compressor just went, waiting 2+ weeks for replacement (on back ord...
by Socrates
Mon Aug 05, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 922

Re: Anybody purchase 2017-2019 Honda CRV?

Since you probably are not going to read the 23 page thread, here are the Cliff notes: Thank you. I could of really used you in high school! :D Yeah my concerns were with the 1.5 liter engine. Mine has the 2.4 (tank like) as does the newer base model, but It is restricted to the base model.
by Socrates
Sun Aug 04, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 199
Views: 13081

Re: Roth > Taxable > tIRA

"It depends" on assumptions one makes about tax rates, time available for compounding, etc. See the '401k vs Taxable' tab in the personal finance toolbox spreadsheet to try various assumptions. but can't I deduct contributions from an IRA?????? So, If I deduct $6500 a year from my salary vs....noth...
by Socrates
Sun Aug 04, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 199
Views: 13081

Re: Roth > Taxable > tIRA

"It depends" on assumptions one makes about tax rates, time available for compounding, etc. See the '401k vs Taxable' tab in the personal finance toolbox spreadsheet to try various assumptions. but can't I deduct contributions from an IRA?????? So, If I deduct $6500 a year from my salary vs....noth...
by Socrates
Sun Aug 04, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 63
Views: 4894

Re: Dentist: Is this acceptable?

My dentist is old school.....he actually cleans my teeth! He does not use a hygienist. That is why I have used him for 25 years.
by Socrates
Sun Aug 04, 2019 5:54 pm
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 199
Views: 13081

Re: Roth > Taxable > tIRA

why would taxable be better than a traditional IRA???
by Socrates
Sun Aug 04, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 922

Anybody purchase 2017-2019 Honda CRV?

Here is was bragging about my 2004 Honda CRV being bullet proof and my AC compressor went out at 220,000 miles, so it looks like it is time to buy a new car. My wife purchased the 2018 Subaru Forester, but I am still partial to Honda - but am open to purchasing a Subaru. Pros and cons of the newer H...
by Socrates
Sat Aug 03, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: Simple vs Complex Index Portfolio
Replies: 26
Views: 2567

Re: Simple vs Complex Index Portfolio

I think so. It allows you to til if you like (e.g, value, size, sector, etc.) and in a way diversity. For example if you want to pair a high yield managed bond fund with a treasury index. I like to fine tune when I diversify rather than buying everything in a total fund and possibly diluting with to...
by Socrates
Fri Aug 02, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reopens Dividend Growth Fund-Press Release August 1
Replies: 27
Views: 3133

Re: VDIGX reopens

Yes! It is on several top funds list including Morningstar Fantastic funds. Although I am mostly index, I do hold small holdings in Vanguard Healthcare, Welleseley, Wellington and will add Dividend Growth. All are fantastic, IMHO. Thank you for the heads up.

:sharebeer
by Socrates
Fri Aug 02, 2019 1:55 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 17245

Re: Why Mr. Bogle prefers U.S stocks

Unfortunately your statement is not based on fact. Foreign stocks outperformed US stocks in the decades of the 1970s, 1980s, and 2000s 2000s??????? I'm not so sure.....looking at this backtest going back to 1997, TSM has done signifcantly better Portfolio performance statistics Portfolio Initial Ba...
by Socrates
Fri Aug 02, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation w/ Bond Yields at Zero%
Replies: 12
Views: 1736

Re: Asset Allocation w/ Bond Yields at Zero%

I think FTBFX is a good bond fund as is VBILX....mix of corporate and treasury for higher return

Also a good portion of my bonds are with PIMIX......Pimco is a good bond fund(s) IMHO
by Socrates
Thu Aug 01, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide what car to buy for your kid
Replies: 91
Views: 3888

Re: How do you decide what car to buy for your kid

Make sure it is not super nice as they are likely to be in an accident or do some sort of damage (forget change oil, vandalized dorm parking lot, overheat, etc. High mileage subaru, toyota are honda. All very reliable, low maintenance with high gas mileage. As Will said, set parameters and let them ...
by Socrates
Mon Jul 29, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7127

Re: Do you buy the highest trim car ?

I am just the opposite. I do not like leather seats so I go for a trim that is not bottom line, but not top as it always has the leather. As someone pointed out to cold in winter and too hot summer.
by Socrates
Sun Jul 28, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2496

Re: Hawaii in August

Can't lose with Kaui (Poipu area) or Maui (Kaanapali) ......just go after kids go back to school, otherwise it will be PACKED!

You are welcome to PM me......I have been to Kaui twice and Maui six times.
by Socrates
Sun Jul 28, 2019 8:14 pm
Forum: Personal Investments
Topic: Total Stock Market Index vs. S&P Index with small cap
Replies: 7
Views: 868

Re: Total Stock Market Index vs. S&P Index with small cap

55% international???? :confused

Enjoy those returns......
by Socrates
Sun Jul 28, 2019 6:10 pm
Forum: Investing - Theory, News & General
Topic: Marcus has "No Penalty CD" @ 2.35%
Replies: 9
Views: 1074

Re: Marcus has "No Penalty CD" @ 2.35%

thank you! Keep me posted please. :sharebeer
by Socrates
Sun Jul 28, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: remodeling costs in san francisco
Replies: 32
Views: 3183

Re: remodeling costs in san francisco

$80,000 to remodel a small bathroom????

Call someone outside the city.......tell them you will pay for their travel time or even to stay there.
by Socrates
Sun Jul 28, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: remodeling costs in san francisco
Replies: 32
Views: 3183

Re: remodeling costs in san francisco

$80,000 to remodel a small bathroom????

Call someone outside the city.......tell them you will pay for their travel time or even to stay there.
by Socrates
Sun Jul 28, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Marcus has "No Penalty CD" @ 2.35%
Replies: 9
Views: 1074

Re: Marcus has "No Penalty CD" @ 2.35%

do you know the maximum limit it lists? I am looking to move about $60,000 from a savings account to something with better interest.
by Socrates
Fri Jul 26, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 44
Views: 4531

Re: Accord approaching 100k miles, how to push it beyond

100,000 is nothing my 2004 Honda CRV has 220,000 on it no big ticket issues at all.... I change oil regularly on it.....do big maintenance schedule on it so you change transmission fluid, brake fluid, spark plugs, etc I think I have changed starter and thermostat on it over last 120,000 miles but th...
by Socrates
Mon Jul 22, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5118

Re: Whole Bean Coffee: Worth the effort?

Return it during your next tripand buy high quality ground such as Peet’s or Starbucks.
by Socrates
Mon Jul 22, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 105
Views: 13915

Re: $1 million house--- sanity check

We live in an increasingly HCOL area in NorCal. Curious what area of Northern California? If it is Marin or the Peninsula, I would do it as prices will keep going up. Many here do not understand SF Bay area prices. Sure they may do small dips but for years the trend is up up and up. Now Vacaville, ...
by Socrates
Sun Jul 21, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 14728

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

According to this it is significantly over the average https://www.bestplaces.net/cost_of_livi ... xas/austin and has a higher COL than many areas of California. Having lived in the area for 5yrs (left in 2012) and originally being from SoCal that matches my experience. There are few places within ...
by Socrates
Sun Jul 21, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 14728

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

Sounds like you just have a unicorn job. Austin, Texas is definitely not LCOL. Compared to California it is. My sister lives there and bought a really nice house for $300,000. That same house would cost 500,000-600,00 in California. People dont realize that 1500 sq foot houses in Seattle, Portland,...
by Socrates
Sun Jul 21, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 14728

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

Real Estate. yes......I have purchased several houses over the last 17 years in California. On the 3 sales I made $400,000, about $150,000(crash) and approximately $200,000 (lived there less than 2 years) all on very short stays of 5 years or less. I bought house in 2016 for $400,000 today it is wor...
by Socrates
Sun Jul 21, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 14728

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

HCOL do not _provide_ higher income, I am going to disagree here. I make about $160,000 at a community college here in Northern California. I really want to move to South Texas, but several similar jobs were making $40,000. The exact same job at University of Texas paid $40,000. Ugh. Community coll...
by Socrates
Fri Jul 19, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 8399

Re: Harrassed at work, what steps to take to protect her future employment

She can file a complaint with the Office of Civil Rights related to age discrimination. She would need to document she was discriminated against due to her age, but they will have an attorney contact the agency and investigate. It is free.
by Socrates
Fri Jul 19, 2019 10:29 pm
Forum: Personal Investments
Topic: investment grade corporate bond funds fall in downturn?
Replies: 38
Views: 3421

Re: investment grade corporate bond funds fall in downturn?

On 2/1/2008 VFIDX was 9.96 and on 10/31/2008 it was 8.17, or a fall of 18% I am not following you......for the year, it was down 6.06, which is not that bad considering a high yield bond fund or stock funds that were down 35% the next year, VFIDX had a return of 17.88 Bottom line, it is a quality i...
by Socrates
Fri Jul 19, 2019 12:17 pm
Forum: Personal Investments
Topic: investment grade corporate bond funds fall in downturn?
Replies: 38
Views: 3421

Re: investment grade corporate bond funds fall in downturn?

I have VFIDX (admiral shares) down just 6% in 2008, not 15%.
by Socrates
Tue Jul 16, 2019 6:37 pm
Forum: Personal Investments
Topic: Bond question: VBTLX vs VBILX
Replies: 20
Views: 1944

Re: Bond question: VBTLX vs VBILX

VBILX is an excellent fund and was given kudos by Bogle in a 2014 interview with C Benz

He felt it provided a little bit more return due to corporate (60 treasury 40 corporate).

Low cost fund.

https://www.morningstar.com/funds/xnas/ ... erformance
by Socrates
Tue Jul 16, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 5413

Re: Anyone buy the Nissan Rogue over the Honda CRV???

I dont use Jiffy Lube....just an example that pretty much everyone does 21 point or 30 point inspection after basic servicing. Glad you found a good low cost dealer. As many have referenced, that is not always the case. I simply disagree with your generalization of non dealer mechanics that try to r...
by Socrates
Tue Jul 16, 2019 11:15 am
Forum: Personal Investments
Topic: Vanguard TD funds
Replies: 35
Views: 2160

Re: Vanguard TD funds

I’m a procrastinator and I overthink things a lot. TDF will be a really good choice for you as you can set and forget and move on or...really bad, as you will have limited control over the funds rebalancing and "tweaking" and this may drive you crazy I like using a group of funds so I can tweak thi...
by Socrates
Tue Jul 16, 2019 11:14 am
Forum: Personal Investments
Topic: Vanguard TD funds
Replies: 35
Views: 2160

Re: Vanguard TD funds

I’m a procrastinator and I overthink things a lot.
TDF will be a really good choice for you as you can set and forget and move on

or...really bad, as you will have limited control over the funds rebalancing and "tweaking" and this may drive you crazy
by Socrates
Tue Jul 16, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 5413

Re: Anyone buy the Nissan Rogue over the Honda CRV???

The dealer does a multi point check with each servicing. Try to get Joe mechanic to be proactive about anything. Oh well. You can always come back a week later and waste more time on something routine that could have been taken care of when you brought the car last week. And what parts did Joe mech...
by Socrates
Mon Jul 15, 2019 10:33 pm
Forum: Personal Investments
Topic: Teacher 403B Plans
Replies: 31
Views: 2378

Re: Teacher 403B Plans

If want those Vanguard funds that’s fine. However, I do want to point out that Vanguard does offer an Intermediate-Term Investment-Grade bond fund in their 403b, which I believe is VBILX. Vanguard does not offer VBILX in their 4039b) which is approximately 50% treasury 50% corporate and recommended...
by Socrates
Mon Jul 15, 2019 10:11 pm
Forum: Personal Investments
Topic: Teacher 403B Plans
Replies: 31
Views: 2378

Re: Teacher 403B Plans

“limited fund choices”
not all the fund choices....Fidelity, for example, offers all its funds for 403(b) clients.

Vanguard doesn't offer many of its popular and IMHO quality funds like Wellesley, Wellington, VBILX, International Explorer, etc.