Search found 72 matches

by GMCZ71
Mon Jul 01, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Feels like never enough in savings?
Replies: 27
Views: 2991

Re: Feels like never enough in savings?

If you have a sizable taxable account, it is possible to place a cash needs requirement, such as an emergency fund or home down payment, in a tax-advantaged account and improve the overall tax efficiency of an investment portfolio. https://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantag...
by GMCZ71
Thu Jun 27, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Fuel type for 2 month car storage
Replies: 36
Views: 2143

Re: Fuel type for 2 month car storage

Why is ethanol added at all? It seems like it only potentially harms autos without a benefit? As for comment about lawn mower...it probably won't affect most 4 cycle mower engines but 2 cycle ones may be more vulnerable. It lowers emissions. It burns cleaner but at a cost of lower mpg. E10 gasoline...
by GMCZ71
Wed Jun 26, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC insured up to $1 million? How is that possible?
Replies: 21
Views: 1670

Re: FDIC insured up to $1 million? How is that possible?

Access Multi-Million-Dollar FDIC Insurance at one bank CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutu...
by GMCZ71
Wed Jun 19, 2019 7:12 pm
Forum: Personal Investments
Topic: What are you suppose to do with money earned from dividends?
Replies: 10
Views: 1718

Re: What are you suppose to do with money earned from dividends?

You can also have the dividends reinvested automatically back into VTSAX. While logged into your Roth hover over VTSAX and click on it, bottom of page you should see dividends capital gains etc. Edit to turn on or off.
by GMCZ71
Sun Jun 16, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 3821

Re: Mosquitos

Maybe available in your area too. Get Mosquitofish If you have an ornamental pond or pool, mosquitofish may help to control mosquitoes. Mosquitofish, also known as Gambusia, are small predatory fish that eat mosquito larvae. Read the Oregon Department of Fish and Wildlife’s guidance on mosquitofish ...
by GMCZ71
Sun Jun 16, 2019 7:25 am
Forum: Personal Investments
Topic: CDARS - Can anyone share experience?
Replies: 7
Views: 1090

Re: CDARS - Can anyone share experience?

I have brought up CDARS several times on this forum with no response. Interesting that you started this thread. I don't have bank deposits in excess of $250,000 so this is something that I have not experienced myself. I also have mentioned CDARS a few times on here after I heard Clark Howard talk a...
by GMCZ71
Tue Jun 11, 2019 7:33 pm
Forum: Personal Investments
Topic: How should I craft my portfolio?
Replies: 8
Views: 539

Re: How should I craft my portfolio?

I would stay with 100% till your 30s, then throtle down.
by GMCZ71
Sun Jun 02, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Cutting The Cord
Replies: 24
Views: 2112

Re: Cutting The Cord

AT&T WatchTV $15/month or free for some AT&T wireless plan subscribers Philo $20/month Sling TV $25/month PlayStation Vue $44.99/month Hulu + Live TV $44.99/month YouTube TV $49.99/month DirecTV Now $50/month fuboTV $54.99/month channel line ups https://clark.com/technology/tvsatellite-cable/streami...
by GMCZ71
Sat Jun 01, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2923

Re: 23 and me vs. ancestry- thoughts?

If you wish to see inside the lab and a walk thru --
https://youtu.be/U3EEmVfbKNs

(Behind the scenes at the 23andMe Lab) - Smarter Every Day
by GMCZ71
Wed May 29, 2019 7:07 am
Forum: Personal Investments
Topic: FDIC Insurance Limits
Replies: 12
Views: 684

Re: FDIC Insurance Limits

Access Multi-Million-Dollar FDIC Insurance at one bank CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mut...
by GMCZ71
Sat May 25, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Am I a sucker to pay for a new roof?
Replies: 24
Views: 2355

Re: Am I a sucker to pay for a new roof?

I would encourage you to file a claim. The insurance company will only approve if they can determine you had wind damage. You will get more out of this claim than adjustments to your insurance rate. Normally, it takes multiple claims to affect your rate. After all, this is one of the reasons we hav...
by GMCZ71
Sat May 25, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 12593

Re: Is the housing market starting to collapse?

I use Zillow a little bit differently. I have it only show sold homes within 5 miles and last 6 months of my house. Then look at cost per foot which helps me get my own guestimate. I have found square ft price varies: Our house 2200 sqft $170-205 per foot . Zillow says $430,000 I say $407,000 1500 g...
by GMCZ71
Sun May 19, 2019 8:45 am
Forum: Personal Investments
Topic: FDIC Coverage Limits
Replies: 22
Views: 1406

Re: FDIC Coverage Limits

Access Multi-Million-Dollar FDIC Insurance CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutual funds. Se...
by GMCZ71
Sat May 18, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3175

Re: Synthetic oil or not for very low mileage auto?

As long as the engine has quality clean oil and a new filter at required intervals it will out last other parts on the car.
by GMCZ71
Thu May 09, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6475

Re: Lawn care schedule

dalbright wrote:
Wed May 08, 2019 6:52 am
It has been about 2 weeks since i did the weed and feed so the timing seems about right for some type of re-app. Interesting about adding the dawn!
2 weeks for feed app is too soon, should wait for 4-6 weeks. On the weed killer side 2 weeks is the time for another app.
by GMCZ71
Wed May 08, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Question about FDIC limit
Replies: 9
Views: 1041

Re: Question about FDIC limit

Access Multi-Million-Dollar FDIC Insurance CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutual funds. Se...
by GMCZ71
Wed May 08, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6475

Re: Lawn care schedule

I think the Bayer season long kills everything, you want weed be gone that only kills weeds and not the grass. How long since the weed and feed app?
by GMCZ71
Tue May 07, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6475

Re: Lawn care schedule

Some basics... Things to Do . Yes +1 1) Mow high...higher than you think is normal. This might be the most important tenet of lawn care, and definitely the easiest. In the heat of summer, I set mower height at 3.5-4 inches. 3 inches in spring and fall. The taller your grass is, the more it shades t...
by GMCZ71
Sun May 05, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: Useful wedding gift you didn't expect
Replies: 26
Views: 3133

Re: Useful wedding gift you didn't expect

A rock, small flat like a river rock.
About 4x3 and engraved with our wedding stamp/logo.
It is a great looking rock and still in our yard.
by GMCZ71
Mon Apr 29, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Any affordable place for Dental Implants in the Northwest USA ?
Replies: 23
Views: 1869

Re: Any affordable place for Dental Implants in the Northwest USA ?

There are also good dentists in Tijuana, which is 20 minutes from the San Diego airport. We have an Aunt and Uncle that have been going to this dentist for 15 yrs. Cleanings and other stuff is done back home. Our home dentist just wanted to know the manufacture of the implant, each company may use ...
by GMCZ71
Sun Apr 28, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Any affordable place for Dental Implants in the Northwest USA ?
Replies: 23
Views: 1869

Re: Any affordable place for Dental Implants in the Northwest USA ?

Ditto on Dental Tourism. We used to live in Portland. Now in Tucson. I am in the final stages of getting an implant similar to yours. Total "out the door" price: $1800.00 Laser Dental in Nogales. Very impressed with their dentists and equipment. +1 We also went south for 1 implant to Yuma/Los Algad...
by GMCZ71
Sun Apr 28, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 1793

Re: Water heaters/ energy consumption, high electric bill

Your old water heater should have this sticker and you can compare to the new ones. Since your 2007 is 12yrs old I would replace it, a cold shower will not make the family happy. Use some math to figure out how much efficiency you want to purchase in your new water heater. purchase price + annual co...
by GMCZ71
Wed Apr 24, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 1851

Re: Car/Truck/SUV??

Is a canopy for the Tundra possible? Also taking both vehicles for daytrips.
by GMCZ71
Thu Apr 18, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Garage Door Opener Replacement
Replies: 28
Views: 2156

Re: Garage Door Opener Replacement

There are many things around the house I would attempt myself. Changing the garage door opener is not one of them. If you decide to do it youself, make sure you understand how it works and think carefully about every step. Don't blindly follow aYoutube video. The concern is the stored energy in the...
by GMCZ71
Sun Apr 07, 2019 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Home replacement cost?
Replies: 4
Views: 774

Re: Home replacement cost?

New construction price is lower then remodel/repair price per foot. You might ask each insurer what cost per foot is when quoting rates on home insurance.
by GMCZ71
Tue Mar 26, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Increase homeowners insurance deductible?
Replies: 22
Views: 1427

Re: Increase homeowners insurance deductible?

The bank holding the loan may have a max limit for your deductible, start with a call or email to them.
by GMCZ71
Thu Mar 21, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Question about house wrap on new home construction
Replies: 5
Views: 712

Re: Question about house wrap on new home construction

This brand new house has some rot & mold issues and it's never been lived in. My company took over this job under-construction and with some investigation we realized there were some inferior waterproofing details behind the siding-- Matt Risinger Published on Mar 19, 2019 https://youtu.be/PHEOQaPRnC8
by GMCZ71
Sun Mar 17, 2019 7:36 am
Forum: Investing - Theory, News & General
Topic: Bogleheads Whose Plans Failed: What did (do) you do?
Replies: 11
Views: 4190

Re: Bogleheads Whose Plans Failed: What did (do) you do?

There was a good thread that touched on many of these ways in which people, not BHs specifically, had a lot of money but ended up losing much or all of it. Lots of cautionary tales and examples - some first hand, others of friends or relatives. “Riches to Rags Testimonies” https://www.bogleheads.or...
by GMCZ71
Wed Mar 13, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6475

Re: Lawn care schedule

I've been a lawn care fan for a while and the bulk of my learning came from Lawn Care nut - Youtube I am curious about yours (or other knowlegeble BHs') opinion regarding importance of Core Aeration for the lawn. I am offered one in my lawn care package for several hundred dollars (big lawn) and no...
by GMCZ71
Wed Mar 13, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6475

Re: Lawn care schedule

Proper mowing is by far the most important thing. It's been mentioned a few times above but cannot be emphasized enough. A taller lawn also has a side benefit of not needing to be mowed as often. Longer grass will choke out the weeds and won't need as many chemicals or fertilizer. +100 True and fol...
by GMCZ71
Wed Mar 13, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6475

Re: Lawn care schedule

Mowing height and frequency for each type of grass is #1 rule and will make the biggest change. Go to youtube the lawncare nut ---his early vids are in the north like you gci turf service-- pete is great, he likes northern grass in N Carolina lawn ginja-- Utah area but knows the grass problems Lawn...
by GMCZ71
Tue Mar 12, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6475

Re: Lawn care schedule

Mowing height and frequency for each type of grass is #1 rule and will make the biggest change.
Go to youtube
the lawncare nut ---his early vids are in the north like you
gci turf service-- pete is great, he likes northern grass in N Carolina
lawn ginja-- Utah area but knows the grass problems
by GMCZ71
Sun Mar 10, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Questions about drones
Replies: 15
Views: 1332

Re: Questions about drones

You can rent these online, to try them out first. FAA flight rules apply to you, dji software will not let you take off in restricted airspace. 5 miles of airport https://www.dji.com/flysafe/geo-map (zoom in on your city first then zoom out to see geo fence) FAA Aircraft Registry Registration is req...
by GMCZ71
Sat Mar 09, 2019 9:44 am
Forum: Personal Investments
Topic: Need Financial and Portfolio Allocation Advice
Replies: 15
Views: 869

Re: Need Financial and Portfolio Allocation Advice

You obviously have to keep continuing the pay off your student loan monthly, however in your case since you get matching by your employer I would disregard the Roth IRA and contribute more to your 401k because your getting free money with the match ( and you can't beat that!). Make sure you keep bu...
by GMCZ71
Tue Mar 05, 2019 8:13 am
Forum: Personal Investments
Topic: FDIC
Replies: 4
Views: 404

Re: FDIC

CDARS® offers multiple benefits to depositors who want to combine the security of access to FDIC insurance above $250,000 with the convenience of working directly with just one financial institution. Access Multi-Million-Dollar FDIC Insurance. You can find a financial institution in your area by sta...
by GMCZ71
Sun Mar 03, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Advice on Grand Pianos?
Replies: 57
Views: 3173

Re: Advice on Grand Pianos?

A quick google for rentals showed $60-$500 per month. Although not the BH way of doing things you might try it for 6months to a year and evaluate a purchase then. Yamaha Classic 5’3″ Grand Piano Rent from $290.00 month Pianos can be rented up to six (6) months with all the rental fees applied toward...
by GMCZ71
Sat Mar 02, 2019 8:21 am
Forum: Personal Investments
Topic: Investment advice for 21 year old
Replies: 20
Views: 1324

Re: Investment advice for 21 year old

Do some napkin math with him while having coffee or :sharebeer to explain how 401k's work. Just some round numbers not exact. gross pay $2000 tax-fica etc -30% paycheck $1400 gross pay $2000 401 -10% $200 tax-fica -30% paycheck $1260 now he has $1260+$200 = $1460 His check is only $140 less each tim...
by GMCZ71
Fri Mar 01, 2019 8:47 pm
Forum: Personal Investments
Topic: How would you protect your 401k prior to a recession
Replies: 14
Views: 1389

Re: How would you protect your 401k prior to a recession

+1 for Mr BB and Sarah

Your AA will make you rebalance as the market goes down as you hit your trading bands.
by GMCZ71
Mon Feb 25, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fun thought expt wrt carbon footprint.
Replies: 32
Views: 1628

Re: Fun thought expt wrt carbon footprint.

Does anyone factor in the assembly plant had to put in additional space or a new building? There would be more employees do they drive gas or ev? There could also be some new factories that make some of the parts not associated with the gas vehicles and do those employees drive gas or ev? Oh wait th...
by GMCZ71
Sat Feb 23, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Anybody know the answer to this tax question?
Replies: 5
Views: 677

Re: Anybody know the answer to this tax question?

If it was me I would not mail the amended return till April 16th.
by GMCZ71
Sat Feb 23, 2019 9:29 am
Forum: Personal Investments
Topic: Cash on Side Line, need help with clarity
Replies: 29
Views: 2117

Re: Cash on Side Line, need help with clarity

You need to find your sleep number. That is the amount of money you are willing to see a decrease (not a loss, because you won't have to sell). Example: you have $1,000,000 in 401k banks etc and you can still sleep when it drops to $925,000. So $75k won't bother you. Put $150,000 in total stock inde...
by GMCZ71
Tue Feb 19, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7526

Re: Favorite youtube channels?

If you are watching while signed into your own account, youtube will offer suggestions that are pretty good. But if you are just watching as guest who knows what will pop up. gonewiththewynns https://www.youtube.com/channel/UCBo9TLJiZ5HI5CXFsCxOhmA Jason and Nikki Wynn, a couple of perpetual travele...
by GMCZ71
Sun Feb 17, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Jet Blue - missing planes?
Replies: 19
Views: 2288

Re: Jet Blue - missing planes?

These vids won't explain the missing plane but will give you an idea of the find a crew complexity. https://www.youtube.com/user/MartinsAviation1/videos In the last year he has moved from a small airline to a regional just a great kid following his dream. If your cord cutting from tv some of the fre...
by GMCZ71
Tue Feb 12, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Letter Carrier Accepting Packages
Replies: 11
Views: 1400

Re: Letter Carrier Accepting Packages

https://www.usps.com/ship/welcome.htm Create a USPS.com Account to... print shipping labels. request a Package Pickup. buy stamps and shop. manage PO boxes. print custom forms online. file domestic claims. set a preferred language. Use Click-N-Ship Save time and ship from your home or office using C...
by GMCZ71
Tue Feb 12, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Protecting your investment. Home owners insurance question
Replies: 19
Views: 1451

Re: Protecting your investment. Home owners insurance question

I am going off my memory but Clark Howard explained the reason insurance should be higher then the selling value is: -cost of remodel is higher per sq ft then purchase price or new construction -say new const is 200ft then rebuilding could cost 300ft in his example -codes and permit fees are higher ...
by GMCZ71
Wed Feb 06, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 4005

Re: replacing tires on AWD cars do you have to do all 4

You should also account for age of all the tires. The safety recommendation is 6 yrs to 10 yrs on premium brands then the tires should be replaced.
by GMCZ71
Wed Feb 06, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3657

Re: Auto Battery Prices

Precaution newer generation vehicles have too many computer systems. German stuff needs a laptop to tell the car about the new battery- amp hr, serial number etc. Otherwise the car adjusts the charging system to the last known battery. You don't need a laptop, and there's no serial number to be ent...
by GMCZ71
Mon Feb 04, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Password Protectors and Quicken One-Step-Updates
Replies: 5
Views: 468

Re: Password Protectors and Quicken One-Step-Updates

The free part of lastpass in pretty good, you can try it and upgrade later.
by GMCZ71
Mon Feb 04, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3657

Re: Auto Battery Prices

Precaution newer generation vehicles have too many computer systems. German stuff needs a laptop to tell the car about the new battery- amp hr, serial number etc. Otherwise the car adjusts the charging system to the last known battery. Sometimes on other brands hvac or pwr windows and locks don't wo...
by GMCZ71
Sat Feb 02, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Please critique my plan for early retirement
Replies: 42
Views: 5146

Re: Please critique my plan for early retirement

First post on the day you joined the forum, maybe considered a troll. But anyway you should quit but not retire, find something you enjoy doing. Let the 401k grow and try other employment opportunities.