Search found 640 matches

by GoldStar
Tue Dec 18, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 37
Views: 3042

Re: Is Liquid Plumber / Draino bad for the pipes?

I use Draino MAX Gel - does a great job of clearing slow drains (due to hair) and after maybe 10 to 15 years of use no damage to PVC drain pipes. I settled on this product after many others failed to work. Surprised no one else found same to be true. No more using snakes, taking apart traps, etc for...
by GoldStar
Tue Dec 18, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Non-budgeters: How do you handle large purchases?
Replies: 33
Views: 1906

Re: Non-budgeters: How do you handle large purchases?

I handle large purchases by 1. Getting 0% loans. That's the way we buy autos. 2. Using a credit card that gets paid off when the bill comes. 3. If current cash flow is not enough to pay for the purchase, we sell assets found in our taxable account to raise the cash. Nuts and bolts: Most recently so...
by GoldStar
Tue Dec 18, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein Books
Replies: 45
Views: 5493

Re: Dr. Bill Bernstein Books

I read "Four Pillars" several years ago and it was one of the books that convinced me to move to total-Boglehead. I haven't read any of his others - when I read reviews of one of his others (can't recall names) some of the reviews said the messages were redundant to "Four Pillars" and that Four Pill...
by GoldStar
Tue Dec 18, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: How to take advantage of market big swing?
Replies: 17
Views: 926

Re: How to take advantage of market big swing?

When market is up I walk to invest my quarterly allocation. When the market is down I run to invest it (doing that today in fact) A tiny bit of market timing but not going to be all that impactful IMO. Yesterday was the day. Mr. Goldstar you are the best contrarian indicator. Thanks for the extreme...
by GoldStar
Tue Dec 18, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 60
Views: 4437

Re: Mr. Money Mustache, SWR, and equity allocation

I can't find it but someone said it best in another post by stating his own situation as: MMM is of a False-Prophet. He claims anyone can "stop working" and live off a small portfolio (without paying for necessities like health insurance) but he himself stopped worked his regular job - took side-job...
by GoldStar
Tue Dec 18, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: How to take advantage of market big swing?
Replies: 17
Views: 926

Re: How to take advantage of market big swing?

Tamalak wrote:
Tue Dec 18, 2018 12:42 pm
When market is up I walk to invest my quarterly allocation.

When the market is down I run to invest it (doing that today in fact)

A tiny bit of market timing but not going to be all that impactful IMO.
Yesterday was the day.
by GoldStar
Tue Dec 18, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Made Big mistake timing the market - help
Replies: 26
Views: 2975

Re: Made Big mistake timing the market - help

Sell and move to index funds ASAP. Take the loss as an expensive (although I don't know how much you bought) life lesson.
by GoldStar
Tue Dec 18, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693209

Re: U.S. stocks in free fall

ginmqi wrote:
Mon Dec 17, 2018 9:20 pm
So....when are you guys "backing up the truck" ? :D

Maybe if it continues to decline 1-2% a day this entire week?...
If you didn't buy yesterday you may have missed this dip. Stocks will be up again today.
by GoldStar
Mon Dec 17, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 2882

Re: Holiday Card [from Vanguard]

Kenkat wrote:
Mon Dec 17, 2018 7:32 pm
I got a rock :confused
Charlie Brown? :sharebeer
by GoldStar
Mon Dec 17, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 2882

Re: Holiday Card [from Vanguard]

Is the point of this thread to list our favorite vendor cards? (Otherwise please let me know point).
If so - I got a cute card from chewy.com.
by GoldStar
Sun Dec 16, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1602

Re: Lottery Tickets

Fun - I'd do it.
by GoldStar
Sat Dec 15, 2018 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5071

Re: Forgoing health insurance

I would consider it only if I could cover real catastrophic events without it impacting my family ($40K is trivial - you should count $500K or more) but since I don't have $20M in the bank I won't. I can't help but wonder if this question is just trolling - been asked before - the same responses alw...
by GoldStar
Fri Dec 14, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 152
Views: 9592

Re: Favorite Purchase of 2018?

My Favorite Purchase of 2018 was a European Vacation.
by GoldStar
Fri Dec 14, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Buying the dividend
Replies: 18
Views: 1565

Re: Buying the dividend

Not me. I don't wait for things to go on-sale to buy (If I did - I would have missed a 30% market run up simply to buy during a 3% dip) - I buy monthly regardless of prices and when the next dividend is. Oftentimes I am buying more when things are "on-sale" simply because I buy to keep my allocation...
by GoldStar
Thu Dec 13, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 92
Views: 7197

Re: Is a New Car Okay if Driven 15+ Years?

Here's how I would do the math: (New Car Price - Used Car Price + Total Difference in Insurance Cost for First X Years If Buying New) / Total Number of Years Owned For example: Buy brand new vehicle, $30k. Hold for 15 years. Insurance cost increase over 2 years $1,000. (I'd guess it evens out after...
by GoldStar
Wed Dec 12, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2374

Re: Trip to Italy

was in Italy beginning of November, the weather was great. Unless you were in one of the flooded area (dont think venice flooding subsided until Nov 1 or 2nd). I've been to Italy in March and November - best months - nice weather for walking and less tourists crowding up things. I can't imagine bei...
by GoldStar
Wed Dec 12, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA logistics
Replies: 4
Views: 400

Re: Backdoor Roth IRA logistics

Welcome to Bogleheads! I see that this is your first post since joining. We have a Wiki that covers this is in detail. https://www.bogleheads.org/wiki/Backdoor_Roth_IRA Cheers OP: Above answers most of your questions. Make sure to read the "Caution" section here (e.g. if you already have an IRA fro...
by GoldStar
Wed Dec 12, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2374

Re: Trip to Italy

Be careful with the budget airlines - you don't want to get stuck with useless tickets like Primera-Air customers did in the fall: https://www.usatoday.com/story/travel/flights/2018/10/01/primera-air-cease-operations-oct-2-2018-international-flights/1488338002/ Plus - personally - I don't trust the ...
by GoldStar
Wed Dec 12, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 3951

Re: Being locked out of my account and "research team" will contact me in 72 hours

Hopefully they said 72 hours like in your title and not "72 business hours" like you said in your post. Make sure you aren't using the same Username and Password on any other sites - if so - I would go to those sites and change the passwords ASAP. Are you using an aggregator to auto-pull data? If so...
by GoldStar
Wed Dec 12, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 56
Views: 7058

Re: Recession Coming

No dry powder and I never stay on the sidelines.
by GoldStar
Wed Dec 12, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 242
Views: 18514

Re: What Happened to you during the Financial crisis of 2007–2008

I was more concerned with the serious issues in the job market than I was with my portfolio. It was horrible in that I personally had to lay-off a number of folks (and was concerned I might be next). I was so focused on work/job-situation at the time, I didn't bother looking at nor touching my portf...
by GoldStar
Wed Dec 12, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5570

Re: Lyft driver got into an accident, but denies it

To those advocating for calling the police... they won't necessarily show up in this case. Assuming you are in the US - if you tell them you are in a passenger in a ride share, may have been injured, and there seems to be a communication problem between the two drivers, I would be surprised if they...
by GoldStar
Wed Dec 12, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 3957

Re: Donate to homeless?

I saw a documentary where they followed some of these folks around and interviewed them. Many of them are collecting drug money. There are organizations set up to help these folks versus possibly continuing to enable them with bad habits. I would give to a homeless shelter or one of the organization...
by GoldStar
Wed Dec 12, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5570

Re: Lyft driver got into an accident, but denies it

To those advocating for calling the police... they won't necessarily show up in this case. Assuming you are in the US - if you tell them you are in a passenger in a ride share, may have been injured, and there seems to be a communication problem between the two drivers, I would be surprised if they...
by GoldStar
Wed Dec 12, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1920

Re: Desktop Computer. All in one or separate? And which one?

If price is a factor don't go MacOS - you will spend more for less performance.
I wouldn't get an all in one nor laptop if it's not needed. Simply go to Dell and HP websites and price out various systems and configurations the way you want them and and pick one.
by GoldStar
Wed Dec 12, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5570

Re: Lyft driver got into an accident, but denies it

I put this in with returning a car. Getting a picture at the time might help. Never thought about it, and like you probably wouldn’t have known to do so. Um, wow I guess you need to get info in such cases: Make sure to get the following information: Your Lyft/Uber driver’s name, address, and phone ...
by GoldStar
Tue Dec 11, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: The new 1040 is certainly different
Replies: 10
Views: 2197

Re: The new 1040 is certainly different

Cyclesafe wrote:
Tue Dec 11, 2018 3:36 pm
michaeljc70 wrote:
Tue Dec 11, 2018 2:07 pm
Cyclesafe wrote:
Mon Dec 10, 2018 10:08 pm
For fun also entered 2018 numbers into 2017 TurboTax. Saved $15k.
I'm not following. Saved 15k over what? Using 2018 forms?
Saved $15k with 2019 tax scheme vs what I would have paid in 2018.
So you meant 2019 TurboTax then?
by GoldStar
Tue Dec 11, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 103
Views: 8634

Re: Nespresso?

+1 I love my Moka Express. Nothing compares to it. Not even Nespresso. Moka coffee is not expresso !!! Please moderator, don't allow this disrespectful offenses! Of course Moka coffee can't be "expresso" since Expresso is an exercise Bike: https://expresso.com/Home Why are we changing the subject t...
by GoldStar
Tue Dec 11, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 412
Views: 47243

Re: U.S. stocks continue to soar!

willthrill81 wrote:
Tue Dec 11, 2018 3:08 pm
I'm going to see if bumping this thread will move stocks up. They appear to have difficulty in determining which direction to go today.
It worked - we are in the green today!
by GoldStar
Tue Dec 11, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: hotel booking
Replies: 14
Views: 920

Re: hotel booking

On a recent Europe trip I decided to go the non-refundable rate for most hotels where the saving was significant (in some cases 25 - 30%). With one hotel I used the refundable rate as the difference wasn't as high. I knew how much I'd be out if I had to cancel - would have lost on one hotel but been...
by GoldStar
Mon Dec 10, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7737

Re: To each his own ( I guess )

ponyboy wrote:
Mon Dec 10, 2018 12:44 pm
Theres a couple people I know who travel overseas just so they can brag to their friends at starbucks about it.
Even Worse:
I read that higher than 50% of millennials are booking vacations based upon where they can post the best Instagram pictures from.
by GoldStar
Mon Dec 10, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 6882

Re: Electric bill with LED

I turn them off. My wife turns them on and leaves them on. My 3 year old goes through phases of going around the house turning them on. I'd be much more strict about policing my family's behavior if we still had incandescents. With LED's, it's about a penny per bulb per day that gets left on. I thi...
by GoldStar
Mon Dec 10, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Why are Fidelity's Target Date Funds So expensive?
Replies: 16
Views: 1500

Re: Why are Fidelity's Target Date Funds So expensive?

Fidelity Freedom Index Funds have Net 0.08% Net and 0.14% Gross ERs. I wouldn't consider these expensive (and they are similar to Vanguard which I think is 0.13% on LifeStrategy funds).

Perhaps you are looking at the Active Funds.
by GoldStar
Mon Dec 10, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Christmas Tree Fire: Watered Tree vs. Dry Tree
Replies: 18
Views: 2255

Re: Christmas Tree Fire: Watered Tree vs. Dry Tree

I thought watering live trees was common sense in this day and age. Kind of like not smoking in bed, wearing a seatbelt in a car, etc.
by GoldStar
Mon Dec 10, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7737

Re: To each his own ( I guess )

I'm interested in how others view travel, particularly in retirement. We've seen a lot of scenery... It's less about simply seeing stuff and more about DOING things. Have you hiked to the bottom of the Grand Canyon (and back up)? My most recent retirement trip, a month ago, was back to Bonaire for ...
by GoldStar
Mon Dec 10, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7737

Re: To each his own ( I guess )

You aren't nuts. Some folks like Beach-Vacations - the last thing I can do is spend all day sitting on the beach baking in the sun - I don't get it. I've been called "nuts" for not wanting to spend a week roasting on the beach. Some folks simply go back to the same beach every year. I like to read a...
by GoldStar
Mon Dec 10, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 6882

Re: Electric bill with LED

This thread has me wondering: Do some folks turn all their lights on throughout their house and just leave them on all day? Perhaps no windows or little natural light and you spend most time at home? Even if so - why not only use lights in the rooms you are actually in? I only ask because I see fol...
by GoldStar
Mon Dec 10, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693209

Re: U.S. stocks in freefall

2018 is going to be my first negative year since I graduated from college (besides 2008 of course, but I had no money in 2008 :wink: ). How do you know this? (Unless, of course, you just cashed out). We still have a few weeks left in the year - it ain't over yet. :happy Most large index Funds are o...
by GoldStar
Mon Dec 10, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 6882

Re: Electric bill with LED

This thread has me wondering: Do some folks turn all their lights on throughout their house and just leave them on all day? Perhaps no windows or little natural light and you spend most time at home? Even if so - why not only use lights in the rooms you are actually in? I only ask because I see folk...
by GoldStar
Fri Dec 07, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 1994

Re: Do I have a rebate, subsidy, savings for you!

In most of the cases sounds like you are looking at the wrong prices (and even in the "old days" you were). For example - on Cars - I never started with Car List prices. I remember my parents - 50 years ago - had a place that they were able to order an "Invoice Price Book" from for a given car manuf...
by GoldStar
Fri Dec 07, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott data breach, what are you doing about it?
Replies: 11
Views: 1335

Re: Marriott data breach, what are you doing about it?

To be clear - my understanding is that the "Marriott" reservation systems wasn't breached - only the "Starwood" system. So info stored with legacy Marriott should not have been exposed.
by GoldStar
Thu Dec 06, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 366
Views: 21090

Re: What are others paying for property taxes around the US?

Very State AND Town dependent. Someone above is paying only $4,100 on a 3900 sq-foot-property in Massachusetts while I am paying $12,000 on a 2,000 sq-foot property. Now that my kids are out of public schools I could buy the same size house in a another town 5 - 10 miles away and save several thousa...
by GoldStar
Thu Dec 06, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693209

Re: U.S. stocks in freefall

Stocks are almost as low as 13 days ago. Panic! I bought some VTI earlier today, That buy is down .68%. Now I have to buy more; make it stop, please make it stop. One of the benefits of Mutual Funds versus ETFs - you don't find yourself checking prices throughout the day. My VTSAX purchase will be ...
by GoldStar
Thu Dec 06, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8814
Views: 1693209

Re: U.S. stocks in freefall

Stocks are almost as low as 13 days ago. Panic! I bought some VTI earlier today, That buy is down .68%. Now I have to buy more; make it stop, please make it stop. One of the benefits of Mutual Funds versus ETFs - you don't find yourself checking prices throughout the day. My VTSAX purchase will be ...
by GoldStar
Thu Dec 06, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment and being sick
Replies: 4
Views: 632

Re: Unemployment and being sick

It maybe state specific, but in all of the states I'm familiar with (AR, TN, SC, VA, NJ) you can only collect unemployment if you are ready and able to work. If she's too sick to work, then she's disqualified. My understanding as well. Short-Term-Disability Insurance is intended for 3-month illness.
by GoldStar
Fri Nov 30, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 4956

Re: So that's why 2-day shipping isn't what I expected!

I'm disappointed they haven't missed the 2 day for me in a while. I need some more free months.
by GoldStar
Fri Nov 30, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4807

Re: Robot Vacuum Cleaner?

squirm wrote:
Mon Nov 26, 2018 11:30 am
Wouldn't it be most economical to just pull out the vac once a month and do just do a quick twenty minute vacuum?
Most economical would be to get rid of the dog :)
by GoldStar
Fri Nov 30, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: T12 Florescent tubes
Replies: 11
Views: 779

Re: T12 Florescent tubes

Lots of options on Amazon.
by GoldStar
Wed Nov 14, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1171

Re: Mobile cellular hotspot for low data use

Do you have a smartphone with service? Are you sure you don't have ability to switch it to mobile hotspot mode? That's what I do most of the time now (should cancel my separate hotspot since I never use it anymore.