Search found 240 matches

by OldBallCoach
Mon May 25, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 54
Views: 6511

Re: Toyota 4 Runner

I have had a few...DW drives a 2019 Limited now....has had Benz and other luxury brands before...prefers 4runner...sits up a little higher, plenty of room, has all the bells and whistles and will run for 500K easy if taken care of. Our other car is a Landcruiser so yea we dig Toyotas. Sold on reliab...
by OldBallCoach
Fri May 22, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5587

Re: Employer cut 403b contribution to zero

Hello Bogleheads. Today, my employer - a research-one university - announced that for the coming fiscal year, there would be no employer contributions to our 403b plans. My contribution has been close to 10k a year. I have maxed my own contributions for the last 14 years. I am 43 and think it very ...
by OldBallCoach
Thu May 14, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 27
Views: 2325

Re: Anyone booking flights for 2021 travel?

ugaDAWGS09 wrote:
Thu May 14, 2020 7:12 am
galawdawg wrote:
Thu May 14, 2020 7:09 am
We have a trip planned and booked to the Caribbean for late November. We also purchased trip insurance.

Go Dawgs! :sharebeer
I'm still holding out hope to be in Sanford Stadium a couple times this fall. :D
First I hate that place and second I hope you are right!!! :sharebeer
by OldBallCoach
Sun May 10, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 74
Views: 3921

Password vault or generator?

I sat down the other day to try and tidy some things up passwords wise...good lord I have about 50 different things I log into with it seems about 75 passwords....anyone have a better plan? Thanks in advance!!
by OldBallCoach
Wed Apr 29, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3246

Re: Highlander or RAV4

I posted this for another person but you may not have seen it: I highly recommend renting a Highlander from a Toyota dealer over night, which gives you quality time with it versus a short drive accompanied by a pushy salesperson. You'll find out whether it fits in your garage, etc. Their service de...
by OldBallCoach
Wed Apr 29, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3246

Re: Highlander or RAV4

I posted this for another person but you may not have seen it: I highly recommend renting a Highlander from a Toyota dealer over night, which gives you quality time with it versus a short drive accompanied by a pushy salesperson. You'll find out whether it fits in your garage, etc. Their service de...
by OldBallCoach
Thu Apr 23, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2320

Re: House Cleaning and Covid

We have a house keeper and she has been with us for 183 years..so...she has been staying home and we have been paying her...she only works for us a few days a week so she needs our support and we are able to do it. My wife is still working part time in the NICU while while all of this is going on. I...
by OldBallCoach
Mon Apr 20, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: Should I withdraw my kids from summer camp?
Replies: 43
Views: 2796

Re: Should I withdraw my kids from summer camp?

Just hope that the camp is still there next year...I am very worried that college football as we now know it will be gone if we cancel this year ( which I am very much for if needed to keep folks safe...no fight there ) I am just worried about things like this camp and tons of others...come on scie...
by OldBallCoach
Mon Apr 20, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Stimulus Charity?
Replies: 28
Views: 1583

Re: Stimulus Charity?

We are not getting check which is fine...but we decided to donate $2400 to World Central Kitchen anyway...those of us that can, should at a time like this....I have encouraged my kids to do the same thing...make something good out out of this...when college football is cancelled for this year ( and ...
by OldBallCoach
Fri Apr 17, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Should I withdraw my kids from summer camp?
Replies: 43
Views: 2796

Re: Should I withdraw my kids from summer camp?

Just hope that the camp is still there next year...I am very worried that college football as we now know it will be gone if we cancel this year ( which I am very much for if needed to keep folks safe...no fight there ) I am just worried about things like this camp and tons of others...come on scien...
by OldBallCoach
Thu Mar 26, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Need recommendation on a trampoline
Replies: 23
Views: 1457

Re: Need recommendation on a trampoline

DONT DO IT...a quote from my smart ass DW who says this about trampolines..." teach your kids to smoke, its safer" . Yea she is an ER nurse...
I think she might be a little over the bar on this but..instead teach them a safer sport...dodgeball is fun! all the best..
by OldBallCoach
Tue Mar 24, 2020 8:37 pm
Forum: Personal Investments
Topic: [Differences in strategies: Ramsey vs Bogle]
Replies: 60
Views: 3818

Re: Ramsey or Bogle?

Well Ramsey is an entertainer and Bogle was a genius. Not much to compare here...
by OldBallCoach
Tue Mar 24, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Contractor Pricing During Pandemic
Replies: 22
Views: 2806

Re: Contractor Pricing During Pandemic

I would never think of trying to beat up a guy on price at time like this...if anything I would offer him a bit more keep him employeed. But as others have said perhaps I can get on the schedule a little faster. Just waiting for the stay at home orders to lift...
by OldBallCoach
Tue Mar 17, 2020 7:44 am
Forum: Investing - Theory, News & General
Topic: Rebalance or stay the course?
Replies: 12
Views: 616

Re: Rebalance or stay the course?

I am fairly new to the Boglehead ways and am in the 3 part portfolio..40 % domestic 10% international 50% bond...I am down about mid 7 figures as of last night...should I rebalance or does one just hold your nose and bogle on? My gut tells me take those bond gains buy more equities in my tax avanta...
by OldBallCoach
Tue Mar 17, 2020 7:33 am
Forum: Investing - Theory, News & General
Topic: Rebalance or stay the course?
Replies: 12
Views: 616

Re: Rebalance or stay the course?

I am fairly new to the Boglehead ways and am in the 3 part portfolio..40 % domestic 10% international 50% bond...I am down about mid 7 figures as of last night...should I rebalance or does one just hold your nose and bogle on? My gut tells me take those bond gains buy more equities in my tax avanta...
by OldBallCoach
Tue Mar 17, 2020 7:31 am
Forum: Investing - Theory, News & General
Topic: Rebalance or stay the course?
Replies: 12
Views: 616

Re: Rebalance or stay the course?

azanon wrote:
Tue Mar 17, 2020 7:22 am
It's actually both. Staying the course means following some schedule where you rebalance back to your original asset allocation.
Yes I can appreicate that but I guess a better question is when should I do that? I think that makes me trying to time the market and thats not a good plan at all...
by OldBallCoach
Tue Mar 17, 2020 7:16 am
Forum: Investing - Theory, News & General
Topic: Rebalance or stay the course?
Replies: 12
Views: 616

Rebalance or stay the course?

I am fairly new to the Boglehead ways and am in the 3 part portfolio..40 % domestic 10% international 50% bond...I am down about mid 7 figures as of last night...should I rebalance or does one just hold your nose and bogle on? My gut tells me take those bond gains buy more equities in my tax avantag...
by OldBallCoach
Thu Mar 05, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: Lost 23K on Monday
Replies: 97
Views: 9092

Re: Lost 23K on Monday

I was down over a million one day last week and then made it up the other...if you are in this for the long run it will not matter...you need to look past this and in the words of the famous profit Mr Tony Soprano " forget about it" ...or the first rule of race car driving...whats behind me is not ...
by OldBallCoach
Thu Mar 05, 2020 10:58 am
Forum: Investing - Theory, News & General
Topic: Lost 23K on Monday
Replies: 97
Views: 9092

Re: Lost 23K on Monday

I was down over a million one day last week and then made it up the other...if you are in this for the long run it will not matter...you need to look past this and in the words of the famous profit Mr Tony Soprano " forget about it" ...or the first rule of race car driving...whats behind me is not i...
by OldBallCoach
Thu Mar 05, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Employer / Manager difference in vacation time policies
Replies: 57
Views: 3770

Re: Employer / Manager difference in vacation time policies

First of all do you have an exit plan? Do you have a skill set that will allow you to replace this job with a new one...in the same area..without spending a lot of money to move...second remember that you are most likely at at will employee I am guessing...union would fox this in 10 seconds...LOL......
by OldBallCoach
Tue Mar 03, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Are CNBC all day traders?
Replies: 71
Views: 5147

Re: Are CNBC all day traders?

We need to remember one thing...CNBC is in the entertainment business....so is WWE...I have as much faith in one as I do the other. One of my students who is a finace major bought the Cramer plan and followed it for a year..his comment to me was I hope his guy makes some money from the network cause...
by OldBallCoach
Tue Mar 03, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: Question on New Fence Etiquette
Replies: 29
Views: 2891

Re: Question on New Fence Etiquette

Good fences make good neighbors is something I agree with. In our case since we are on the lakeshore we only fence three sides...our fences are 6 feet tall chain link that is black in color. It blends in well and we have an electric gate at the road and we also have cameras mounted around the proper...
by OldBallCoach
Mon Mar 02, 2020 5:20 pm
Forum: Personal Consumer Issues
Topic: Selling house- how to make it look appealing
Replies: 36
Views: 2592

Re: Selling house- how to make it look appealing

Being a coach I have moved a lot in my years...as in A LOT...my wife always handled it but the drill was basically this...first we moved out to the new location, then she hired a professional cleaning company to come in and clean the house stem to stern...She hired a home inspection company and repa...
by OldBallCoach
Fri Feb 28, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: 60 year old's + - What golf ball do you use?
Replies: 12
Views: 674

Re: 60 year old's + - What golf ball do you use?

I use what ever model ball the sales reps leave with our equipment guy for us. They are most likely going to end up in the water or lost in the woods anyway..my DW on the other hand says she gets golf calls at Costco Kirkland brand and said they are very good and a decent deal. Since she is a 10 han...
by OldBallCoach
Thu Feb 27, 2020 10:17 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97026

Re: Well, I am market timing... Wish me luck.

Its just money...if you have 10 years worth of living expenses saved then do whatever it is that helps you sleep at night. Sleep, eat, exercise, make love to your beautiful wife and revisist it in a few months...75/25 or 50/50 either is fine for your age really...depends on what book you read or whi...
by OldBallCoach
Thu Feb 27, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27263

Re: Protection Against Home Intruders

All things being equal: *The odds are higher that a purely struck golf ball off the tee will strike the center of a 6" diameter coconut tree trunk 50 yards from the tee box and richochet back to the golfer and hit him/her squarely in the chest/sternum than; . . . :oops: . . . . . . Home intruders b...
by OldBallCoach
Thu Feb 27, 2020 7:28 am
Forum: Personal Consumer Issues
Topic: Inexpensive men's razors?
Replies: 37
Views: 2660

Re: Inexpensive men's razors?

L82GAME wrote:
Wed Feb 26, 2020 6:34 pm
Designairohio wrote:
Wed Feb 26, 2020 6:03 pm
Harrys.com
Nice products reasonable
+1
+2 or 3 or whatever it is at...plus I want something of high quality when running across my beautiful face..and lets get real my wife steals them for her use as well. Harrys also has a nice shave gel as well.
by OldBallCoach
Mon Feb 24, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6476

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

This might get me kicked off the forum but there is more to life than money. Having moved all over the country in my career I wish I had been closer many times to my or my wifes families. You can adjust money wise and make a few changes to get you by but family is forever and money is just money. Ha...
by OldBallCoach
Sat Feb 22, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27263

Re: Protection Against Home Intruders

abuss368 wrote:
Sat Feb 22, 2020 2:11 pm
I prefer to use the home defense strategies that worked well in Home Alone!

Image
Say what ya want but that swinging paint can is brutal.
by OldBallCoach
Sat Feb 22, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27263

Re: Protection Against Home Intruders

I feel very safe with my working line german shepherd. She hears and smells everything. I think a dog is a huge asset in keeping away most predators...a crook will think its just not worth the hassle. A pro could care less about your dog to be honest, they just shoot the dog...so while I have two d...
by OldBallCoach
Sun Feb 16, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: $2-2.5M House?
Replies: 77
Views: 7574

Re: $2-2.5M House?

If you have kids and its a great school district, I would say to strongly consider it. If its just you and the wife, I would still stay to consider it because of the time savings but I personally don't have high hopes for $1M+ households appreciating much in the future. In fact, I recommend you get...
by OldBallCoach
Sun Feb 16, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27263

Re: Protection Against Home Intruders

Taser is one shot, can easily miss, get deflected by article of clothing, not make adequate electrical contact. Stun gun can be effective but requires very close proximity so much higher risk. If a person is capable of a physical altercation a "club" - approx 2 foot length of heavy wood or steel pi...
by OldBallCoach
Fri Feb 14, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27263

Re: Protection Against Home Intruders

I haven't seen a single comment about non-lethal self defense. Maybe those are all completely useless, but if I'm going to screw up fighting off an intruder, I'd prefer not leaving someone dead. I think someone mentioned Bear Spray as an idea...I would think in the right setting that could be good....
by OldBallCoach
Fri Feb 14, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27263

Re: Protection Against Home Intruders

I haven't seen a single comment about non-lethal self defense. Maybe those are all completely useless, but if I'm going to screw up fighting off an intruder, I'd prefer not leaving someone dead. I think someone mentioned Bear Spray as an idea...I would think in the right setting that could be good....
by OldBallCoach
Wed Feb 12, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27263

Re: Protection Against Home Intruders

DW got dressed drove down to gate and asked him to leave...he said a very naughty term so DW went tback to pool and got out our DeerSlayer and dispatched said drone with great success. This is one of the better stories I've heard in awhile. Thanks for sharing. I love your wife's spunk. I think I kn...
by OldBallCoach
Wed Feb 12, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: I'm owed $393; client won't pay; what are my options?
Replies: 45
Views: 5436

Re: I'm owed $393; client won't pay; what are my options?

I know someone that used this "technique" to collect an amount due from a client. He hired one of those bicycle messengers to deliver the bill, etc. to the client at his work. The grubby, sweaty messenger made a very visible entrance to the guy's work area to make the delivery. The client was "livi...
by OldBallCoach
Wed Feb 12, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10306

Re: Retirement: Filling the time?

If you are good with kids go to the local Boys and Girls club and volunteer...I bet someone with your background has a ton that he could share with the right group of young people. Kids will keep you young, and he world needs the help.
by OldBallCoach
Wed Feb 12, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27263

Re: Protection Against Home Intruders

5 Ds of home security Deter - Signs, lights, landscaping Deny - High security locks, deadbolts, etc. Detect - Motion sensors, glass break sensors, cameras, alarm Delay - Reinforced door jams, window security film, hurricane impact windows Defend - Last resort when threatened with harm Other Ds are ...
by OldBallCoach
Tue Feb 11, 2020 7:09 pm
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10182

Re: Best Oil?

IMHO whatever oil is the factory recommended one from the start, then don't change it. IE: Mobil One 0-20 full synthetic or OEM Toyota oil (if dealer serviced) for my Toyota Tundra 5.8L There has been mention on car forums about switching from higher viscosity regular motor oil on older vehicles to...
by OldBallCoach
Tue Feb 11, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: HS senior to-be is telling us he is thinking about majoring in Economics...
Replies: 75
Views: 6323

Re: HS senior to-be is telling us he is thinking about majoring in Economics...

If the kid is really smart and has great math skills tell him to become an offensive coordinator for an NFL team. Seems all the good ones are young, have amazing math and stats skills and make about a million a year. J/K....maybe...but is there a way to get some time for him to shadow some of these ...
by OldBallCoach
Sat Feb 08, 2020 9:17 am
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10182

Re: Best Oil?

IMHO whatever oil is the factory recommended one from the start, then don't change it. IE: Mobil One 0-20 full synthetic or OEM Toyota oil (if dealer serviced) for my Toyota Tundra 5.8L There has been mention on car forums about switching from higher viscosity regular motor oil on older vehicles to...
by OldBallCoach
Fri Feb 07, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10182

Re: Best Oil?

Use any quality full synthetic that has the certifications required by your vehicle manufacturer. Some examples of excellent oils: Mobil 1 Castrol Edge Penzoil Platinum Amsoil Signature Motul Redline This is not an exhaustive list, there are loads of others. I've used Amsoil in most of my cars for ...
by OldBallCoach
Fri Feb 07, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10182

Best Oil?

Does anyone have a link to research showing what the best oil is for normal street driving car/suv...I have used Mobil One for as long as I can remember and my LC went into Toyota yesterday for its normal 10K service and they told he they were switching to using Pennzoil Pure synthetic as it was a n...
by OldBallCoach
Fri Feb 07, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27378

Re: What is the best concert you ever witnessed?

Billy Joel, MSG...also saw Elton John and Billy Joel together once in Vegas and they were of course amazing. And for me my all time favorite was Harry Chapin...saw him many times in smaller venues around the east coast. He played one show for himself and the next for his charity which was feeding pe...
by OldBallCoach
Fri Jan 31, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9197

Re: Suggestions for wife's new luxury (or non luxury) SUV????

With no disrepect to the Kia fans out there this is a 10K test...how about they check back in after 200K and see which one needs the most reoairs and has the best resale? They do look good upfront I will say that.. The vehicles you suggested, the Land Cruiser and 4Runner, are relics from 2007. Thos...
by OldBallCoach
Fri Jan 31, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9197

Re: Suggestions for wife's new luxury (or non luxury) SUV????

Too bad your wife doesn’t like the Toyota 4-Runner. Based on your description of mud, gravel, uneven roads and hauling grain, it would fit the bill. I traded mine in a few years ago and I still miss it at times. My German-manufacturer SUV doesn’t come close when it comes to hauling, off roading, et...
by OldBallCoach
Fri Jan 31, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9197

Re: Suggestions for wife's new luxury (or non luxury) SUV????

Watty wrote:
Fri Jan 31, 2020 1:47 pm
One more thought. It might be less expensive to have the feed delivered than to buy an expensive car mainly to pick it up with.
I can see you have never owned a horse..LOL...part of the deal ya know...
by OldBallCoach
Fri Jan 31, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9197

Re: Suggestions for wife's new luxury (or non luxury) SUV????

With no disrepect to the Kia fans out there this is a 10K test...how about they check back in after 200K and see which one needs the most reoairs and has the best resale? They do look good upfront I will say that.. The vehicles you suggested, the Land Cruiser and 4Runner, are relics from 2007. Thos...
by OldBallCoach
Fri Jan 31, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9197

Re: Suggestions for wife's new luxury (or non luxury) SUV????

This is kind of conflicted. If you have unlimited budget, why reliability is a must? You just lease a big Mercedes or BMW X5 SUV and call it a day. Anything happens, dealership will bend over backwards and give you a loaner. Good point. But, whether leased or owned, a reliable car brings peace of m...
by OldBallCoach
Fri Jan 31, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9197

Re: Suggestions for wife's new luxury (or non luxury) SUV????

This is an easy one...Kia Telluride 10 Best: https://www.caranddriver.com/features/a29798382/10best-2020-kia-telluride/ Overview: https://www.caranddriver.com/kia/telluride Long Term Review: https://www.caranddriver.com/reviews/a29411864/2020-kia-telluride-reliability-maintenance/ With no disrepect...