Search found 946 matches

by GoldStar
Wed Mar 13, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 6830

Re: Peanut Butter recommendations

We buy Skippy Natural Peanut Butter Creamy. My spouse used to buy more expensive natural brands but we found Skippy Natural to be consistently good (and just as "Natural" at a better price). If you want to compare to the coffee aficionados maybe you should roast and grind your own peanuts and make ...
by GoldStar
Wed Mar 13, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3546

Re: What time do you start your day?

Why the focus on start time? Why not hours worked? Of course the best metric is goals accomplished (but society doesn't work that way). I live East Coast but work for a West Coast company so now work 9-ish to 6-ish or 7-ish. Sometimes being on calls later. When I've worked for East Coast companies I...
by GoldStar
Wed Mar 13, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Renting in Boston - how difficult with a pit bull?
Replies: 48
Views: 3558

Re: Renting in Boston - how difficult with a pit bull?

Boston had ordinance specific to Pit Bulls but a state law a few years ago prohibited the ordinances so they had to be removed (hundreds of ordinances across the state were). Everytime another Pitbull attack or death occurs the debate re-launches (One article below of death of 7-year old). With so m...
by GoldStar
Wed Mar 13, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 7200

Re: Should I give more money to a family member?

You gave younger sister more than older sister - promised more to younger sister but now are planning on backing out of promise? I am surprised either one of the two sisters is talking to you! In hindsight you should have just executed the will to the instructions - now that you've made the promise ...
by GoldStar
Wed Mar 13, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: MMM on pbs newshour
Replies: 9
Views: 3046

Re: MMM on pbs newshour

My opinion of him remains the same: Still a False Profit (Claims to live frugally although makes boat-loads of money - easily got divorced and simply went out and bought 2nd home mortgage free - etc.; claims to be retired although makes money working blog/speaking-gigs/etc. Even before he started ma...
by GoldStar
Wed Mar 13, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 68
Views: 9102

Re: Any credit cards that can beat the Citi doublecash?

PenFed Power Cash Rewards. 2% on everything. Better than Citi Double Cash because the full 2% posts ehen the charge posts, and you can redeem any amount any time. I would call the Citi card better for most of us because there isn't a credit union membership barrier to deal with. (Harder to join Pen...
by GoldStar
Wed Mar 13, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 68
Views: 9102

Re: Any credit cards that can beat the Citi doublecash?

I think you've got the best all-around cash-rewards card with Citi (No credit union to join; no annual fee; no gimmicks/tricks; no categories to worry about; etc.).
Charge away and get 2% back. Its that simple.
by GoldStar
Wed Mar 13, 2019 2:40 pm
Forum: Personal Investments
Topic: Late-start Fidelity 401(k)
Replies: 17
Views: 1403

Re: Late-start Fidelity 401(k)

^^ You should read this page if you haven't done so yet:

https://www.bogleheads.org/wiki/Asset_a ... e_accounts
by GoldStar
Wed Mar 13, 2019 2:36 pm
Forum: Personal Investments
Topic: Late-start Fidelity 401(k)
Replies: 17
Views: 1403

Re: Late-start Fidelity 401(k)

For the life of me, I cannot fathom recommending putting my entire 401(k) into a single US Total Market index fund. (I wonder how much that advice is influenced by the fact that index funds are currently experiencing a decade in which that advice would retroactively look amazing.) I was merely usin...
by GoldStar
Wed Mar 13, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Utility bill hits new highs! What can I do?
Replies: 55
Views: 3272

Re: Utility bill hits new highs! What can I do?

That seems like a lot of electricity use for a 2-bedroom apartment that isn't electricity heated. Perhaps your refrigerator coils need cleaning or you have an appliance issue. Is hot water heater gas or electric? Is the water heater in a cold basement somewhere? Is stove gas or electric? You said yo...
by GoldStar
Wed Mar 13, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 72
Views: 6708

Re: Things to do in Maine

Thanks for all the replies. What I'm thinking of doing is to maybe rent a house and then do day trips from there. If the house could be on a lake, all the better. I know a lot of houses (probably especially during this period) will want you to rent for an extended period but if I could get two hous...
by GoldStar
Wed Mar 13, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: How to finance addition
Replies: 21
Views: 1058

Re: How to finance addition

I'd take half from taxable and half from Cash - replenishing both over time as if you are paying back a loan.
by GoldStar
Wed Mar 13, 2019 10:41 am
Forum: Personal Investments
Topic: I want to leave Vanguard
Replies: 71
Views: 6353

Re: I want to leave Vanguard

Fidelity. You can transfer your IRA there and use the ZERO-ER Index funds.
by GoldStar
Wed Mar 13, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 8633

Re: Bright daughter wants to work for nonprofit

In life happiness is even more important than the size of your paycheck. If the non-profit will be the job where she finally feels at home - I would say that is a good decision. Number of job-hops is somewhat industry dependent - but 4 jobs in 3 years would be a bit worrisome for me. If she doesn't ...
by GoldStar
Wed Mar 13, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 6830

Re: Peanut Butter recommendations

We buy Skippy Natural Peanut Butter Creamy. My spouse used to buy more expensive natural brands but we found Skippy Natural to be consistently good (and just as "Natural" at a better price). If you want to compare to the coffee aficionados maybe you should roast and grind your own peanuts and make y...
by GoldStar
Wed Mar 13, 2019 8:18 am
Forum: Personal Investments
Topic: Late-start Fidelity 401(k)
Replies: 17
Views: 1403

Re: Late-start Fidelity 401(k)

I am assuming you do realize you can easily move between funds inside this 401k later without any taxable event occurring. You mention that you want this 401k to be a self-standing diversified holding while you manage another 401k account and a taxable account separately. If you look at all of these...
by GoldStar
Tue Mar 12, 2019 6:34 pm
Forum: Personal Investments
Topic: Late-start Fidelity 401(k)
Replies: 17
Views: 1403

Re: Late-start Fidelity 401(k)

TRRJX is likely to just drag down your returns. 1. Thank you for both of your replies, very appreciated. 2. I guess I just don't conceptualize my 401(k) goal that way. Part of it is preservation, part of it is growth, and part of it is coming up with a strategy that I can follow, contribute to, and...
by GoldStar
Tue Mar 12, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: United Economy class and personal item bringing on plane
Replies: 23
Views: 2436

Re: United Economy class and personal item bringing on plane

Their website clearly states 17 x 9 x 10 inches max for personal item. All three of your bags are bigger than this (2 are significantly so) - so could be taken away if they can't be squished down into these dimensions. When I think "personal item" - I think small backpack or small laptop bag. Duffe...
by GoldStar
Tue Mar 12, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6514

Re: lawn care cost

I pay $30 per trip to a "real" lawn care company for mowing/trimming/edging. How do you identify a "real" lawn care company? Do they have special signs on their trucks? As compared to a bunch of high school kids. RE: Real Lawn Care Company: They have commercial grade machines and trimmers and blowe...
by GoldStar
Tue Mar 12, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6514

Re: lawn care cost

I can't imagine I'll ever routinely pay someone to mow my lawn, but I would say $40 a pop is WAY cheaper than hiring it out to an actual landscaping/mowing crew. It depends on the area I suppose. I am surprised at how cheap basic lawn maintenance service is (Landscaping is a different story). I liv...
by GoldStar
Tue Mar 12, 2019 3:46 pm
Forum: Personal Investments
Topic: Late-start Fidelity 401(k)
Replies: 17
Views: 1403

Re: Late-start Fidelity 401(k)

As an example to my statement above - the current top holding of TRRJX is "T. Rowe Price Growth Stock (PRGFX)" If you compare this fund to a similar passive Index fund (like Vanguard's Growth Index Fund) it is lagging by several percentage points each year. Why pay more for weaker performance? I wou...
by GoldStar
Tue Mar 12, 2019 3:40 pm
Forum: Personal Investments
Topic: Late-start Fidelity 401(k)
Replies: 17
Views: 1403

Re: Late-start Fidelity 401(k)

I wouldn't do the TRRJX fund myself - I'm an 100% index fund guy though. I don't believe in actively managed funds (any longer) as I know there are few that consistently beat their indexes over the years. I would stick with just a mix of the three Fidelity Index funds you have listed. I would be cur...
by GoldStar
Tue Mar 12, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay home for 1 year
Replies: 30
Views: 2157

Re: Work or stay home for 1 year

I guess the question is how old are these "Little kiddies" and is tuition really just day-care or a real elementary private school? If you can dump the private school costs it will make it easier for one of you to stay home. My spouse stayed home after our first was born - it was really tight for th...
by GoldStar
Tue Mar 12, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: What theory has changed, since you last took Economics/Finance courses in college?
Replies: 69
Views: 5902

Re: What theory has changed, since you last took Economics/Finance courses in college?

Funny - I went to school for Electric Engineering - both undergrad and grad but never took a finance class (could have as elective).
Now I've moved up into management and spend more time working with financials than dealing with engineering - learned on the job throughout the years.
by GoldStar
Tue Mar 12, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: United Economy class and personal item bringing on plane
Replies: 23
Views: 2436

Re: United Economy class and personal item bringing on plane

Their website clearly states 17 x 9 x 10 inches max for personal item. All three of your bags are bigger than this (2 are significantly so) - so could be taken away if they can't be squished down into these dimensions. When I think "personal item" - I think small backpack or small laptop bag. Duffel...
by GoldStar
Sat Mar 09, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 12063

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

Sandtrap wrote:
Sat Mar 09, 2019 8:35 am

Thanks for the pointers.
What DSLR system are you using?
Is it heavy?
j :happy
Cropped sensor so it's not as heavy as full sensor.
Currently Nikon D7100.
by GoldStar
Fri Mar 08, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Budget help
Replies: 54
Views: 3290

Re: Budget help

With the edit you just did your expenses exceed your income. I assume you are sitting on a high networth of cash you are living off of perhaps since you have enough in taxable to remove the HELOC. Personally I would remove the HELOC if I could. I also wouldn't be comfortable spending about 20% of my...
by GoldStar
Fri Mar 08, 2019 3:39 pm
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 248
Views: 28796

Re: Bogle "5% Gold"

PurpleArc wrote:
Fri Mar 08, 2019 3:34 pm
Would crypto invalid some of the motivation to hold gold as a store of currency during times of flight?
I suppose - I view them both as speculations and not investments.
by GoldStar
Fri Mar 08, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8397

Re: attacked by off-leash dog

Because I don't know that your dog is in fact friendly, and even if it is, I don't want its slobber all over me. :D The answer is "Because there really is not such thing as a 'friendly dog'". They are animals - might be friendly one minute and angry and lose control the next. The good news is, in e...
by GoldStar
Fri Mar 08, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8397

Re: attacked by off-leash dog

Why is a friendly dog a big problem? Serious question. Because I don't know that your dog is in fact friendly, and even if it is, I don't want its slobber all over me. :D The answer is "Because there really is not such thing as a 'friendly dog'". They are animals - might be friendly one minute and ...
by GoldStar
Fri Mar 08, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8397

Re: attacked by off-leash dog

DanMahowny wrote:
Fri Mar 08, 2019 12:07 pm
I'm convinced nobody posting in this thread has ever seen a "well trained dog."

You would be amazed what is possible.

Also, is the OP gone?
I've seen lots of well-trained dogs. I also know well trained dogs attack and sometimes even kill people.
by GoldStar
Fri Mar 08, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8397

Re: attacked by off-leash dog

Why is a friendly dog a big problem? Serious question. Because I don't know that your dog is in fact friendly, and even if it is, I don't want its slobber all over me. :D The answer is "Because there really is not such thing as a 'friendly dog'". They are animals - might be friendly one minute and ...
by GoldStar
Fri Mar 08, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8397

Re: attacked by off-leash dog

But I don't think a friendly tail-wagging dog is suddenly going to bite me. Here is the mistake I made years ago. Tail-wagging has nothing to do with friendly. It means the dog is excited. It might be excited because it wants to say hi or it might be excited because you seem a threat and it wants t...
by GoldStar
Fri Mar 08, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8397

Re: attacked by off-leash dog

HomerJ wrote:
Fri Mar 08, 2019 11:14 am

Dogs are pretty easy to read.
LOL!
by GoldStar
Fri Mar 08, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8397

Re: attacked by off-leash dog

It's a problem of getting attacked. Twice. Ah, then I understand your point of view. Dogs are wild animals with a bit of domestication but folks should realize that anything can set them off (even the best trained dogs) such that they lose control. Even some of the best trained dogs can be subject ...
by GoldStar
Fri Mar 08, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8397

Re: attacked by off-leash dog

I get a kick out of some of you demanding that ALL dogs must be leashed. Ridiculous. I have two German Shepherds (working line) and their training is exceptional. I haven't used a leash since they were 9 months old. They will respond to my voice commands or hand signals ALWAYS, under any circumstan...
by GoldStar
Thu Mar 07, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Which of these Online Savings Accounts (high-yield) are reliable?
Replies: 45
Views: 6733

Re: Which of these Online Savings Accounts (high-yield) are reliable?

Marcus by Goldman Sachs is currently at 2.25% and has gotten numerous increases over the last 6 months. Never had a problem with them. Surprised no one has mentioned them yet. Marcus is great. They seem to raise rates faster than most online banks. ACH in one day. Marcus is also running a promotion...
by GoldStar
Thu Mar 07, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: First “financial” thing you do in the morning
Replies: 80
Views: 6070

Re: First “financial” thing you do in the morning

Number 2 is probably the first thing I do. Along with all of the random details I learn about strangers' lives on Bogleheads, I now add...the schedule of their bowel movements. :| For me - the coffee has to kick in first. :wink: I start my day with exercise - then move on to coffee and breakfast. L...
by GoldStar
Thu Mar 07, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 72
Views: 6708

Re: Things to do in Maine

LOBSTAH! 2b2 Lobstah rolls! And if you drive up coast, you won't believe how many places have "The best lobster rolls in Maine". I scratch my head every time I go up there - how can that be? Personally - I enjoy the Maine coastline - plenty to see and do - lots of nice towns to see and explore (Cam...
by GoldStar
Thu Mar 07, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 248
Views: 28796

Re: Bogle "5% Gold"

Both Bogle (and Buffett) have said multiple times Gold is speculation and not an investment. Now in this interview we have Bogle saying things like "Are you sitting down"; "against a contingency"; "Just in case" "Its not ideal" in the context of Gold where he states to hold 5% as a hedge against som...
by GoldStar
Thu Mar 07, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Employee stock options investment thesis?
Replies: 29
Views: 1938

Re: Employee stock options investment thesis?

I have avoided market timing by cashing immediately. When I was young and foolish I would hold. At times I would sell half and hold half.
by GoldStar
Thu Mar 07, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Why all the surveys?
Replies: 38
Views: 2431

Re: Why all the surveys?

fru-gal wrote:
Thu Mar 07, 2019 8:04 am
GoldStar wrote:
Thu Mar 07, 2019 7:07 am
Best way to improve customer satisfaction is to gauge how satisfied the customer is.
Best way to decrease customer satisfaction is to annoy customers with email survey spam.
Sounds like the annoyed customers don't respond so they will never know :wink:
by GoldStar
Thu Mar 07, 2019 7:45 am
Forum: Personal Investments
Topic: Next steps for investing?
Replies: 9
Views: 1044

Re: Next steps for investing?

If you plan on college for the kids definitely 529 plans.
by GoldStar
Thu Mar 07, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Which of these Online Savings Accounts (high-yield) are reliable?
Replies: 45
Views: 6733

Re: Which of these Online Savings Accounts (high-yield) are reliable?

I've read here (a different thread), some banks, I believe like Ally, can take up to 4 days! I submitted a transfer order yesterday to Ally to move some cash to my brick-and-mortar checking account. The cash is there this morning. I don't think one could ask for better. Now, I grant that this may n...
by GoldStar
Thu Mar 07, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Why all the surveys?
Replies: 38
Views: 2431

Re: Why all the surveys?

Best way to improve customer satisfaction is to gauge how satisfied the customer is.
by GoldStar
Thu Mar 07, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Which of these Online Savings Accounts (high-yield) are reliable?
Replies: 45
Views: 6733

Re: Which of these Online Savings Accounts (high-yield) are reliable?

I've read here (a different thread), some banks, I believe like Ally, can take up to 4 days! I submitted a transfer order yesterday to Ally to move some cash to my brick-and-mortar checking account. The cash is there this morning. I don't think one could ask for better. Now, I grant that this may n...
by GoldStar
Wed Mar 06, 2019 5:27 pm
Forum: Personal Investments
Topic: ESPP shares tank before I can sell
Replies: 26
Views: 1691

Re: ESPP shares tank before I can sell

We have different definitions of tanking.
8% isn't tanking in my book.
50 to 75% would be tanking.
by GoldStar
Tue Mar 05, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Which Used Car to Buy???
Replies: 6
Views: 1120

Re: Which Used Car to Buy???

Need: no.
Can afford and desire: that's up to you.
by GoldStar
Tue Mar 05, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: College Savings - Are we going about this the wrong way?
Replies: 88
Views: 5857

Re: College Savings - Are we going about this the wrong way?

Are we going about saving for her education the right way? Is a 529 plan the way to go? (Moving back to your original question) Yes and yes. If you want to fund your child's education without putting yourself and child in a lot of debt - 529 plans are the best way to save. As others have stated; yo...
by GoldStar
Tue Mar 05, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 4823

Re: Value of Vacation Experiences with Big Fam & Young Kids

We've done 2, sometimes 3, vacations a year since our kids were very young. What I like about family vacations is simply the uninterrupted family time we have together while having fun and exploring new experiences and places. I've tried "stay-cations" but there is always something that we end up do...