Search found 199 matches

by finfire
Wed Aug 05, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 134
Views: 5470

Re: What Car Maintenance Do You Do?

In Florida. Never working on cars again, it's too hot.

My maintenance: driving it to my very reliable, cheap mechanic every 3K miles.
by finfire
Tue Aug 04, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: tru tankless(electric) versus rheem hybrid(electric)
Replies: 14
Views: 722

Re: tru tankless versus rheem hybrid

You probably need to add more info. Are you building or replacing an existing hot water heater? Does your home use natural gas? How many people are using it? Just my data point, for what it is worth: We did a replacement last year. There are only three of us and both the washing machine and the dis...
by finfire
Tue Aug 04, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 8364

Re: E-Bike recommendations

I installed a 750W ebike kit from bafang. Worked out well but it was a lot of work...I learned a lot about bikes tho.....fun project!! Do you mind me asking where you bought it and about how much you paid for the kit? I've been thinking about buying a BBSHD, but have been dragging my feet as it is ...
by finfire
Tue Aug 04, 2020 3:03 pm
Forum: Personal Consumer Issues
Topic: tru tankless(electric) versus rheem hybrid(electric)
Replies: 14
Views: 722

tru tankless(electric) versus rheem hybrid(electric)

Anyone installed an electric tru tankless heater? I'm trying to decide whether to go for tru tankless or the rheem hybrid. Edit: This is an existing house, 20 years old. 4 people, 2 adults, 2 kids.2 bathrooms. Current heater is traditional electric. Looking to go either hybrid electric or electric (...
by finfire
Mon Jun 29, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 8364

Re: E-Bike recommendations

I installed a 750W ebike kit from bafang. Worked out well but it was a lot of work...I learned a lot about bikes tho.....fun project!! My son installed that same kit on both he and his wife's "manual" bicycles and it transformed thier riding experiences. They live in a hilly neighborhood. j :happy ...
by finfire
Mon Jun 29, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 8364

Re: E-Bike recommendations

I installed a 750W ebike kit from bafang. Worked out well but it was a lot of work...I learned a lot about bikes tho.....fun project!!
by finfire
Wed Jun 17, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Xfinity Voice and Data Modem
Replies: 5
Views: 255

Re: Xfinity Voice and Data Modem

bought a netgear, listed on comcast website....saves lots!
by finfire
Tue Jun 16, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1609

Re: House cleaning in Covid

Shock, horror but I am cleaning my own house! And it works!
by finfire
Tue Jun 16, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 8364

Re: E-Bike recommendations

I surprised that no one has mentioned Super73: https://super73.com/ . Of all the e-bikes, I think these look the coolest. They do look like motorcycle dirt bikes. No seat height adjustment based on the design it appears. For taller riders, this would be a problem. When you bike around and see other...
by finfire
Tue Jun 16, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 8364

Re: E-Bike recommendations

I'm going to convert my old (20+) Trek 4300 into an ebike via a kit from Bafangdirect. I figured it was worth trying, as any bike I looked into was much more expensive...we will see how it goes!
by finfire
Fri Jun 12, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: I almost sold at the bottom.
Replies: 13
Views: 1894

Re: I almost sold at the bottom.

might want to reduce occurrences of logging into your account....

If you must, set dates in the year where you would log in regardless of events..like end/beginning of quarter??
by finfire
Thu Jun 11, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5523

Re: What Size Home For A Family?

I don't really understand why kids have to have their own room, esp if they are young and/or the same sex. 3 bed, 2 bath here. 1700 sqft. Both kids share same room but they are young. Makes reading at night / putting to bed much easier..requires only 1 parent. I think in colder areas a bigger house ...
by finfire
Thu Jan 23, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Potential new job - longish post
Replies: 29
Views: 1733

Re: Potential new job - longish post

Stay.

But your pay should be higher for the job you do...in either companies.
by finfire
Fri Jan 03, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 4957

Re: Faith driven investing

I'd like to know about the flip side. Has anyone purposely adopted a "sinful" portfolio and thrived/sunk? What did the portfolio consist of?
by finfire
Thu Jan 02, 2020 10:13 am
Forum: Personal Investments
Topic: Roth IRA - so who hit 'enter' at 12:01AM this morning?
Replies: 113
Views: 10978

Re: Roth IRA - so who hit 'enter' at 12:01AM this morning?

nope. Had a good old lie-in, nice breakfast and time with the family. No computer/finances time for me on holidays.
by finfire
Tue Dec 03, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Unpaid speeding ticket from 40 years ago.
Replies: 93
Views: 7912

Re: Unpaid speeding ticket from 40 years ago.

khh wrote:
Tue Dec 03, 2019 1:00 pm
Consider wearing a disguise. There could be "wanted" posters.
Ed Norton's so famous in Hollywood/California, even a disguise won't work :)
by finfire
Tue Dec 03, 2019 9:41 am
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8516

Re: Favorite stock(s) and why

Visa.

Why? Because I hold it and it's done well.

No other individual stocks for me.
by finfire
Tue Nov 19, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: How often do you bargain for things?
Replies: 57
Views: 4446

Re: How often do you bargain for things?

Whenever I can.
by finfire
Mon Oct 28, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1499

Re: Universal Orlando for 4 days

We live a few hours away and go about 2/year, usually staying 1 night.

We always stay off resort. Much, much cheaper. The drive is not bad, it's easy to get parking. No real reason to stay in a park resort.
by finfire
Mon Oct 28, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: High School Kid - in soccer
Replies: 14
Views: 1571

Re: High School Kid - in soccer

I made it clear to my kids that once the money is paid, they have to finish off the season. Next year, they can reassess.

I have big doubts you'll get a refund, but it doesn't hurt to ask!
by finfire
Fri Oct 25, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Another how much mortgage can I afford post.
Replies: 34
Views: 2819

Re: Another how much mortgage can I afford post.

On your income, you current mortgage looks good.

Why mess with that? Will a $1M home make you that much happier?
by finfire
Wed Oct 23, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Spending Money - Surprising Low Fun Return
Replies: 58
Views: 6679

Re: Spending Money - Surprising Low Fun Return

Suggest donations to charity? Should make you feel better.

Go visit them if possible after the donation , see your money in action.
by finfire
Fri Oct 11, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 6051

Re: Anyone buying PG&E stock?

If you are buying, what do you know that the market doesn't?
by finfire
Thu Oct 10, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Neighbor filming a TV Show
Replies: 71
Views: 4159

Re: Neighbor filming a TV Show

Just curious, what TV show are they filming?
by finfire
Thu Oct 03, 2019 10:57 am
Forum: Personal Investments
Topic: Kids Investment Account
Replies: 30
Views: 2330

Re: Kids Investment Account

Open a bank account. Ally or similar. Your kid will see compounding in action. Involve/Show her your bills and investments as a real-life example of (hopefully) good practices. That's enough for a kid. I think there's more incentive to learn more about finance when she starts earning her own money....
by finfire
Thu Oct 03, 2019 10:55 am
Forum: Personal Investments
Topic: Kids Investment Account
Replies: 30
Views: 2330

Re: Kids Investment Account

Open a bank account. Ally or similar. Your kid will see compounding in action. Involve/Show her your bills and investments as a real-life example of (hopefully) good practices. That's enough for a kid. I think there's more incentive to learn more about finance when she starts earning her own money....
by finfire
Thu Oct 03, 2019 8:51 am
Forum: Personal Investments
Topic: Kids Investment Account
Replies: 30
Views: 2330

Re: Kids Investment Account

Open a bank account. Ally or similar. Your kid will see compounding in action. Involve/Show her your bills and investments as a real-life example of (hopefully) good practices. That's enough for a kid. I think there's more incentive to learn more about finance when she starts earning her own money. ...
by finfire
Wed Oct 02, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 10892

Re: Who has had a pool?

Would not pay for one to be installed. Have a concrete in-ground. Converted it to a salt pool, so maintenance is minimal. Costs are fairly low. We live in Fl. Inland it would be necessary imho. But living by the ocean, no. When we bought house we swam Mar-Oct...we are down to May-Oct. Kids loved it ...
by finfire
Mon Sep 30, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 7182

Re: Do you know what your partner spends money on?

Don't go there. It will sound controlling however you put it.

I trust my other half to spend reasonably. If you can't do that, time for a chat.

Budgeting? Just ask every month for credit card balances and if it's high have a quick discussion.
by finfire
Fri Sep 27, 2019 2:06 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 10441

Re: Merrill Lynch Advisor wants to meet for coffee

I ended up responding with a simple "no, thank you". I eventually decided that I didn't want to waste my time with anything else. He hasn't replied back and I don't think he will. :D You did the right thing. Now he can move on to the next number in the phone book. Good for you. I just bumped into a...
by finfire
Fri Sep 27, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 7024

Re: Do you wash berries?

Oh yes.
by finfire
Fri Sep 27, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Should I sell my BMW
Replies: 48
Views: 3831

Re: Should I sell my BMW

An expensive car for 8K miles/year. Sell and buy a used Pontiac Vibe, then invest the rest.
by finfire
Wed Sep 25, 2019 12:32 pm
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1581

Re: Need review of my finances

As others have mentioned, thin out your portfolio, look at ALL accounts as one to determine AA. 70/30 seems reasonable. Presently you have a lot of overlap, and WAY too many funds. Simplify, simplify, simplify! A simpler portfolio will reduce the overlap, and be easier to manage, fewer funds to loo...
by finfire
Wed Sep 25, 2019 6:42 am
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1581

Re: Need review of my finances

My guess is that with two young children, you each need more than $500k in level-premium term life insurance for a 20 year period (until kids are self-sufficient). Spouse and I wanted our insurance face value to cover: - the mortgage balance and any other debt - unfunded college costs - loss of 2nd...
by finfire
Tue Sep 24, 2019 2:29 pm
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1581

Re: Need review of my finances

As others have mentioned, thin out your portfolio, look at ALL accounts as one to determine AA. 70/30 seems reasonable. Presently you have a lot of overlap, and WAY too many funds. Simplify, simplify, simplify! A simpler portfolio will reduce the overlap, and be easier to manage, fewer funds to loo...
by finfire
Tue Sep 24, 2019 2:13 pm
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1581

Re: Need review of my finances

Although you may prefer the IRA at Vanguard, your 401k has good low-fee fund choices and more protection under ERISA. If the 401k will accept a rollover-in of your traditional pretax IRA balance, the rollover allows you to do a back door Roth if your adjusted gross income is too high for a direct R...
by finfire
Tue Sep 24, 2019 1:43 pm
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1581

Re: Need review of my finances

I hold the three fund portfolio. Agree that you can simplify your portfolio and eliminate the small holdings. i don’t include 529’s either. Thank you for removing them from your portfolio. i also maintain a spreadsheet. It’s easy to maintain since I don’t make many changes. Thanks, Posting my portf...
by finfire
Tue Sep 24, 2019 11:02 am
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1581

Re: Need help/review of my finances

Asset allocation (AA) is personal. IMO your 70/30 allocation is reasonable. Re-evaluate as you get closer to retirement. Agree that you can simplify your portfolio. You have a lot of holdings (some too small to make a meaningful difference) and the placement could be more tax efficient. Don’t inclu...
by finfire
Tue Sep 24, 2019 9:22 am
Forum: Personal Investments
Topic: Need review of my finances
Replies: 13
Views: 1581

Need review of my finances

Emergency funds: 6 months. Debt: 300K mortgage, 15 years. 3.375%. House recently appraised for $470K Pay credit cards every month. Student loan: 20K@3.5%. No car loans. Tax Filing Status: Married Filing Jointly, 2 young Children. Tax Rate: 24% Federal (marginal), 15% effective. No State tax. State ...
by finfire
Tue Sep 24, 2019 8:51 am
Forum: Personal Investments
Topic: What to do next with our money
Replies: 22
Views: 4523

Re: What to do next with our money

Sorry to hear about your losses in the penny stock "game". It happened to one of my in-laws. He played that game, investing in energy stocks. Anyway, he lost big time. Still working, closer to 80 than 70. It is a valuable lesson for me/all of us. My advice: never return to that game.
by finfire
Fri Sep 20, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 22825

Re: Capital One 360 shaking up savings accounts

Is it FDIC insured?

It looks like the 360MM has a similar interest rate and is FDIC insured. Any reason not to go with this over the savings account?
by finfire
Thu Sep 19, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 73
Views: 11125

Re: wild caught sockeye salmon

Try Costco, they usually have several types salmon fillets. I buy frozen Wild Alaskan Sockeye salmon at Costco for about $32 for a 3-lb bag. Costco has a good reputation for selecting quality products. Victoria This is not just one isolated incident: https://youtu.be/MZXhgaJE-Ms Big fan of costco. ...
by finfire
Thu Sep 19, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 12331

Re: How do you spend money to gain time? (young family)

both kids sleep in same room; 1 parent puts to bed; other does lunches/meals amazon.com instacart delivery bought a floor-cleaning robot have a CSA delivery fresh veg go to a local butcher shop for meat (yes, this saves trips to costco) have costco delivery (dry goods_ bought a slow cooker for large...
by finfire
Wed Sep 18, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 7070

Re: Spreadsheets

Nope. I dont' have any desire to duplicate what is already mostly provided by my financial providers. How do you see your overall net worth (assuming you have assets at multiple providers, which it sounds like you do?) I've kept it simple. We have only a few providers. I log in and add portfolio su...
by finfire
Tue Sep 17, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Noise
Replies: 31
Views: 3260

Re: Noise

I'd try and discuss is neighbor is amenable.

Had an issue with neighbor. Got the right cop to respond. He threatened fines if the neighbor kept it up....problem solved...for now.

Also <extreme> case: you can take neighbor to small claims court for nuisance. You may not win but it may send a signal.
by finfire
Tue Sep 17, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 7070

Re: Spreadsheets

Nope. I dont' have any desire to duplicate what is already mostly provided by my financial providers. I don't have any desire to work on spreadsheets unless someone is paying me....even then it's a struggle. I do use a spreadsheet to track my expenses. It's simple and maybe takes 10 mins/month to up...