Search found 66 matches

by Dregob
Tue Jan 21, 2020 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 155
Views: 10741

Re: to pre-nup or not?

https://www.youtube.com/watch?v=ItpmY94o9Sg A humorous take on a serious subject. "Just in Case" Todd Snider You oughta know by now this love of mine is real Honey words just can't describe the way I feel And even though we just met I'm so glad the date is set And years from now I would bet We'd be...
by Dregob
Sun Jan 19, 2020 4:25 pm
Forum: Personal Investments
Topic: Does This Sound Right to You
Replies: 36
Views: 1956

Re: Does This Sound Right to You

I was listening to a finance talk show. Heard advice that I thought was very risky. Here is the scenario. Married couple 75/74 $850,000 in retirement savings $80,000 in cash House $300,000 paid for. Withdrawing 15,000 per month, expenses $8000/month He was advised to start spending more of his mone...
by Dregob
Sat Jan 18, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Best Way to Resolve Property Line/Fence Issue with Heirs
Replies: 53
Views: 3715

Re: Best Way to Resolve Property Line/Fence Issue with Heirs

When the property sells won’t a survey be required? Let them pay for it! Once boundaries are defined you can do whatever you want on your property.
by Dregob
Sat Jan 18, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: My 60 y/o parents have basically 0 for retirement & will have no SS/Medicare
Replies: 167
Views: 15635

Re: My 60 y/o parents have basically 0 for retirement & will have no SS/Medicare

Tough situation emotionally. Tough love time. They both need to get full time jobs. Your dad can earn $1000/hr? It is time for both your parents to take some responsibility for their future. Don’t co-sign anything! I would be surprised if there was not some shady accounting going on to be honest.
by Dregob
Fri Jan 17, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 13213

Re: Realized we made a major mistake and feeling really sick.

My wife recently made us sit down and calculate what our old company stock options would be worth had we never sold any over the years and held them up until now. We had been consistently selling over many years at a regular schedule. In total we have made roughly 850k before taxes on these options...
by Dregob
Fri Jan 17, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to reduce spending -- suggestions?
Replies: 73
Views: 6105

Re: How to reduce spending -- suggestions?

Get to the mailbox first and throw out all those catalogs of "junk" that you don't need. Make sure all e-mails to your spouse's and your e-mail accounts block all the e-mails from such vendors, too. Who knew that you needed a set of artistic drink glasses? Or more Christmas decorations? Or a new ou...
by Dregob
Wed Jan 15, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 2922

Re: cheap-o rental car chains

My only bad experience ever renting a car was with Thrifty. I picked the "or similar" option to save a few bucks and when I arrived to pick up the vehicle all they had (they said) was a 15 seat white (prison) van for the two of us! A lot of complaining and refusing to take it and they found a hail d...
by Dregob
Wed Jan 15, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Question - Son fell outside Dr. Office
Replies: 26
Views: 2201

Re: Insurance Question - Son fell outside Dr. Office

If you were bringing your son to a play date at a friend's house, a co-worker's house, or your parent's house and the same "accident" happened as you walked up their sidewalk would you sue?
by Dregob
Mon Jan 06, 2020 3:59 pm
Forum: Personal Investments
Topic: Whats the best way to fire my adviser and move to Vanguard?
Replies: 21
Views: 1535

Re: Whats the best way to fire my adviser and move to Vanguard?

Despite all these admonitions about not talking to your advisor, don't think you can make the move without ever talking to your advisor. Once Vanguard initiates the process, your advisor will find out you are leaving and will undoubtedly give you a call. It might be a difficult conversation, so pre...
by Dregob
Sun Jan 05, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: Help me locate the wired doorbell chime
Replies: 32
Views: 2128

Re: Help me locate the wired doorbell chime

I would look for the transformer which might be in your crawl space/basement/attic. We we removing wallpaper in our 1940s home and my wife saw a spark from her putty knife. Shocking although she was not shocked! A previous owner had disconnected and removed the doorbell (at the bell) but left the 12...
by Dregob
Sat Jan 04, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 4532

Re: Faith driven investing

zaboomafoozarg wrote:
Sat Jan 04, 2020 8:57 am
4nursebee wrote:
Sat Jan 04, 2020 7:27 am
I am surprised Dave Ramsey has not been brought into the conversation on this.
I'd argue Dave's strategy is the definition of faith-driven investing, because it takes a lot of faith to expect 12% returns :D
Praise be!
by Dregob
Sat Jan 04, 2020 1:12 am
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 4532

Re: Faith driven investing

Do Christian investors factor in 10% tithing when calculating their total return?
by Dregob
Thu Jan 02, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Home Depot vs. PC Richard to buy a refridgerator?
Replies: 33
Views: 1425

Re: Home Depot vs. PC Richard to buy a refridgerator?

I bought dishwasher, washer and dryer from Lowes. A friend told me that you can buy 10% off coupons for Lowes on EBay. I was skeptical but looked, there were many sellers, and it was $1! I bought it (big risk), ordered online, the code worked and I saved ~ $150. Just a thought. Lowes has changed th...
by Dregob
Thu Jan 02, 2020 10:01 pm
Forum: Personal Investments
Topic: Sister wants advice since I disagreed with her financial advisers.
Replies: 141
Views: 13103

Re: Sister wants advice since I disagreed with her financial advisers.

100k in loans for 2 cars and personal loans! Does she want help AND will she make needed the changes. Doesn't sound like she is ready for either to be honest. It would make sense to move to Vanguard/Fidelity/etc. but EJ fees are not really the problem-lifestyle choices are.
by Dregob
Thu Jan 02, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: Home Depot vs. PC Richard to buy a refridgerator?
Replies: 33
Views: 1425

Re: Home Depot vs. PC Richard to buy a refridgerator?

I bought dishwasher, washer and dryer from Lowes. A friend told me that you can buy 10% off coupons for Lowes on EBay. I was skeptical but looked, there were many sellers, and it was $1! I bought it (big risk), ordered online, the code worked and I saved ~ $150. Just a thought.
by Dregob
Sun Dec 29, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 108
Views: 7829

Re: Any audiophiles on this forum?

krafty81 wrote:
Sun Dec 29, 2019 7:10 pm
I am underwhelmed by my Sonos Play speakers. Is there a setting I could be missing or something?
Sonos are the new Bose. Ok quality but overrated/overpriced.
by Dregob
Sun Dec 29, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 108
Views: 7829

Re: Any audiophiles on this forum?

I doubt I'm unique here but I'd have a hearing test done before spending more than $1000 on a sound system! I've got a pair of powered Edifier speakers ($120) hooked up to my computer to play mp3 files through iTUNES. Hooked up to the TV is a newish Yamaha receiver ($250-needed HDMI connections for ...
by Dregob
Thu Dec 26, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Downsizing CDs, Tapes Etc.
Replies: 50
Views: 3879

Re: Downsizing CDs, Tapes Etc.

Did you burn the CDs yourself or pay for it (maybe $1.00 per CD?)? Sadly most CDs are worth less than $1. Stack them up next to your computer. Every time you walk by insert a disc and import it into iTunes. It took me a few months and cost me nothing. I saved some favorite discs and recycled the ma...
by Dregob
Wed Dec 25, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Downsizing CDs, Tapes Etc.
Replies: 50
Views: 3879

Re: Downsizing CDs, Tapes Etc.

Did you burn the CDs yourself or pay for it (maybe $1.00 per CD?)? Sadly most CDs are worth less than $1. Stack them up next to your computer. Every time you walk by insert a disc and import it into iTunes. It took me a few months and cost me nothing. I saved some favorite discs and recycled the ma...
by Dregob
Tue Dec 24, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Basement tile drain system -- reviewing a recent bid
Replies: 20
Views: 1261

Re: Basement tile drain system -- reviewing a recent bid

If you truly need a sump pump you still have a moisture/water issue. The pump moves water that shouldn't be there in the first place. I agree with the recs to do the exterior work first. I had a wet crawl space that always smelled damp (and the start of mold). I had mold removal, water proofing, fre...
by Dregob
Tue Dec 24, 2019 8:34 pm
Forum: Investing - Theory, News & General
Topic: If You Only Invest in an Index, You’ll Never Beat It
Replies: 100
Views: 9802

Re: If You Only Invest in an Index, You’ll Never Beat It

Isn't the point you will never do worse than the index ? A high percent of actively managed funds routinely do worse than the index and few (if any) beat it over the long haul. Preaching to the converted I'm sure. Of course on average you will do worse than the index . The index has no expenses. Yo...
by Dregob
Tue Dec 24, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: If You Only Invest in an Index, You’ll Never Beat It
Replies: 100
Views: 9802

Re: If You Only Invest in an Index, You’ll Never Beat It

Isn't the point you will never do worse than the index? A high percent of actively managed funds routinely do worse than the index and few (if any) beat it over the long haul. Preaching to the converted I'm sure.
by Dregob
Tue Dec 24, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1336
Views: 150384

Re: What frugal thing did you do today?

RickBoglehead wrote:
Tue Dec 24, 2019 7:37 pm
toofache32 wrote:
Tue Dec 24, 2019 7:18 pm
Just got a new family toothbrush. Last one lasted over 2 years among me, the wife and 2 kids.
:thumbsdown
At least you didn't waste any money on toothpaste! :?
by Dregob
Sat Dec 21, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: estate distribution confusion
Replies: 79
Views: 4003

Re: estate distribution confusion

If the condo was listed as $1.1 million, the buyer's inspection finds some problems (they always do), and assume they offered $1.06 million. Would you accept that offer? If so I'd take the 530,000 and call it close enough.
by Dregob
Mon Dec 16, 2019 6:33 pm
Forum: Personal Investments
Topic: Combine tradIRA with 403B?
Replies: 5
Views: 281

Re: Combine tradIRA with 403B?

Cost/fees are equivalent. Thanks for the comments/advice so it sounds like the only issue is if 403B takes incoming rollovers. In anticipation of retirement I'm simplifying. My wife is retired (not working) and we're debating about converting her tradIRA to ROTH over the next few years. It seems lik...
by Dregob
Sun Dec 15, 2019 10:58 pm
Forum: Personal Investments
Topic: Combine tradIRA with 403B?
Replies: 5
Views: 281

Combine tradIRA with 403B?

I have a 403b with current employer (employer and employee contributions) invested in Vanguard Funds: Index 500 (60%), Extended Market (10%) Total Bond (30%) but held by Fidelity who administers the retirement plan. Self-funded pretax tradIRA is 100% in Vanguard Index 500 held at Vanguard. In an ong...
by Dregob
Sun Dec 01, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: my annual financial checkup: what a kooky year
Replies: 12
Views: 1873

Re: my annual financial checkup: what a kooky year

Why would you pay SS on an inheritance?
by Dregob
Sun Dec 01, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14183

Re: High income and college costs question

I work at an elite private university. Did my kids even apply? No. Would they have been competitive? Yes. Would they have been accepted? Unsure. They applied and went to the excellent state university a few miles down the road. I told them how much I could help and if they wanted to go private the d...
by Dregob
Wed Nov 27, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2019
Replies: 41
Views: 3947

Re: Best Albums of 2019

Jake Xeres Fussell "Out of Sight"
https://jakexerxesfussell.bandcamp.com/

Nothing in this for me but you can download all three of his albums/recordings for $18 from Bandcamp!
by Dregob
Sun Nov 24, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Getting text messages (spam?) offering to buy my home
Replies: 25
Views: 2243

Re: Getting text messages (spam?) offering to buy my home

The email may or may not be spam. I get actual snail mail postcards offering to buy my house for cash. Spam or not it would not be the best way to sell a house. A low ball cash offer would be the best case scenario. Ignore and/or delete.
by Dregob
Fri Nov 22, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance options, re son graduating college, family coverage
Replies: 17
Views: 1117

Re: Health insurance options, re son graduating college, family coverage

"OTOH he can stay on our family plan to age 26, and my my plan has no "plus one" option, so cost is same whether 2 or 3 of us"
Agreed, but that is not the case.
by Dregob
Thu Nov 21, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: What does "get back on my feet" mean?
Replies: 84
Views: 7809

Re: What does "get back on my feet" mean?

Tough love: Sell your place and move into a one bedroom condo/apartment and get the least comfortable sleeper sofa for the living room as added insurance.
by Dregob
Thu Nov 21, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance options, re son graduating college, family coverage
Replies: 17
Views: 1117

Re: Health insurance options, re son graduating college, family coverage

I can't imagine kicking him off if it doesn't cost you anything. I'm not sure what lesson it would teach? My son just signed up for his own insurance through his job as he is soon turning 26. I would note that he has been responsible for all medical co-pays and any other related bills.
by Dregob
Sat Nov 16, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: Deal finding websites
Replies: 10
Views: 1150

Re: Deal finding websites

Set up free account on slickdeals and set up a notification for stroller.
by Dregob
Mon Nov 11, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1382

Re: Hi Def Audio listening

Remember how good the AM radio sounded coming out of one speaker?

(Radio On!)
Got the car, got the AM
(Radio On!)
Got the AM sound, got the
(Radio On!)
Got the rockin' modern neon sound
(Radio On!)

Roadrunner lyrics courtesy of The Modern Lovers
by Dregob
Thu Nov 07, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord & Live Television
Replies: 45
Views: 3261

Re: Cutting the Cord & Live Television

We got rid of cable years ago. Stream Netflix and HBO and watch antenna TV. However, the signal is weather dependent. Sometimes it is pixaled or no signal unlike pre-digital TV where the picture may have been snowy but there always was a picture. Ah, progress. But I do have a remote unlike when I wa...
by Dregob
Mon Nov 04, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 67
Views: 5920

Re: Wife's car hit in a parking lot - how to deal with various issues?

I've had mixed success trying to be helpful. A 16 year old kid rear ended me (100K, 15 year old Altima) and his mom did not want to go thru insurance. I took it to a body shop and said do the minimum. They left the bumper with a big scratch (got a new bumper sticker) and the estimate was $1200. She ...
by Dregob
Sun Oct 27, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3490

Re: idiot networking

From the title I thought you were asking how to network with idiots. :shock: From my experience if you have a job there is an almost unlimited opportunity to network with idiots! But that wasn't you were asking!!
by Dregob
Tue Oct 22, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1484

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

Get one of those car sign magnets, slap that over the area and you're good to go. It might look ugly but you are talking about a 1995. I drive a 1998 truck with peeling paint on the hood. It runs.
by Dregob
Mon Oct 14, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 33467

Re: Anyone want to share their monthly budget? Here's ours

Rent (includes water, trash, etc.): $846 Electricity: $54 Rent insurance: $11 Phone: $24 Internet: $20 Groceries/Dining: $49 Bus/Uber/Lyft: $8 Misc: $18 Medical/Dental (with employer): $64 No car. Monthly expenses: $1,094 Income is $73k. How are you managing just $49 for groceries and food for the ...
by Dregob
Mon Oct 14, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 33467

Re: Anyone want to share their monthly budget? Here's ours

An outlier here. I've never made a budget. We've always maxed out IRAs and 403bs (going on 35 years). At the end of the month any money left over (and there usually is) gets invested.
by Dregob
Mon Oct 07, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! Parents have $0 for retirement - how can I keep them afloat??
Replies: 49
Views: 8691

Re: HELP! Parents have $0 for retirement - how can I keep them afloat??

I'm confused by your logic. How old is your Aunt? Your parents? If they are close to the same age and your parents have chronic health issues (sorry to be so blunt) isn't it likely your Aunt will outlive your parents?

Edit-I just noticed someone posted the identical question/thought.
by Dregob
Fri Oct 04, 2019 8:00 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13833

Re: I pulled out... How do I get back in?

The "pull out method" is an inefficient strategy whether you are talking about stocks or birth control.
by Dregob
Wed Sep 25, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1661
Views: 184493

Re: [What TV Show Have You Recently Watched?]

"The Handmaid's Tale"on Hulu. Excellent but disturbing.
by Dregob
Wed Sep 25, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 109
Views: 18829

Re: Success stories of NOT buying more/too much house

We bought our 3 bedroom 1400 sq ft house with a 15 year mortgage and it felt huge. Two kids later if felt small and we looked to add an addition or move. We did neither but we did pay off the house in a little less than 15 years. 25 years later both kids are out of the house and we've got a guest ro...
by Dregob
Tue Sep 24, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3850

Re: Uber - first time user - will I get picked up

Uber? I just got rid of my landline!
by Dregob
Mon Sep 23, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8841

Re: First car for child

My daughter learned to drive in 2012 on a 1998 Mazda stick shift pickup truck and that was her first "car." She hated it until she loved it. Friends were amazed that she could drive a stick. And as another Boglehead posted it limits the number of riders she could take! As an aside, we recently went ...
by Dregob
Tue Sep 10, 2019 9:58 pm
Forum: Personal Investments
Topic: Too late for a Roth?
Replies: 20
Views: 2542

Re: Too late for a Roth?

I was at a nursery and saw this sign:
"The best time to plant a tree was 20 years ago. The second best time to plant a tree is today."

Insert Roth and follow that advice.
by Dregob
Fri Aug 23, 2019 10:10 pm
Forum: Personal Investments
Topic: Suggestions From TIAA and Checkup
Replies: 39
Views: 3066

Re: Suggestions From TIAA and Checkup

I met with my TIAA advisor. Pleasant enough and not a hard sell but their analysis and suggestions were opposite of a Boglehead approach. A list of 8 or so mutual funds that had to have overlap to be purchased with transfers from CREF stock. Shortly after Fidelity became an option for my 403B and mo...
by Dregob
Mon Aug 19, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2478

Re: Replacing brake pads in a Honda CRV 125,000 miles

I had a friend who worked at PepBoys. He said the one thing he learned was "Don't take your car to PepBoys". My daughter took her car there and they gave her a list of work that needed to be done. I took it to my mechanic and he said it just needed brake pads-the one thing they did not say it needed.