Search found 34 matches

by conservativeinvestor
Tue Oct 08, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Hillarious insight on having $5 Million
Replies: 14
Views: 4011

Re: Hillarious insight on having $5 Million

If I inherited $5,000,000 and put it in a 0% savings account I could cover my current expenses for 111 years. I wouldn't even give two weeks notice.
by conservativeinvestor
Sat Sep 21, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Best way to track / categorize spending?
Replies: 35
Views: 2017

Re: Best way to track / categorize spending?

Wasn't Microsoft Money terminated many years ago? I once used it and was forced to convert to Quicken which I've used ever since. Gill They stopped making updates to it but it still works just fine. They came out with a sunset edition which is free to download. It still works just fine on my window...
by conservativeinvestor
Fri Sep 20, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 34
Views: 11279

Re: Capital One 360 shaking up savings accounts

I also didn't know about any of these changes and have the current money market account I did notice that it dropped from 2% to 1.9% It sounds like there is no longer a benefit to keeping the money market account if the regular rate is going to be the same but not require the $10K minimum. I also wo...
by conservativeinvestor
Fri Sep 20, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Best way to track / categorize spending?
Replies: 35
Views: 2017

Re: Best way to track / categorize spending?

if you don't want to use online service but track your income and spending manually Microsoft money still works, I've been using it since windows 98 was out. You do have to manually enter each income and expense so it can be a bit labor intensive if you have a lot of accounts/daily expenses but it a...
by conservativeinvestor
Tue Jul 16, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 51
Views: 3952

Re: Being a hands off homeowner

We are in our first home and it has been much more expensive than we would have imagined even in a generally low cost area. 1800 sq.ft house with about an acre lot. The house is a little over 30 years old and it seems like the repairs have been nonstop but apparently this is right about the age of h...
by conservativeinvestor
Sat Jul 06, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 2742

Re: Cleaning bugs off car bumper

I always keep a bottle of turtle wax tar and bug remover on hand. I'm generally not a turtle wax fan but this stuff works and it can found everywhere around here. https://www.turtlewax.com/en-us/our-products/renew-restore/turtle-wax-bug-tar-remover/ I mostly use it to remove the tar that tires kick ...
by conservativeinvestor
Wed Jul 03, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

You're going to be in a tough spot. Are any cars sold now with roll-up windows? (besides commercial delivery vans/trucks) On eyesight......I've driven multiple loaner Subarus with it plus my mom's 18 Legacy with it. If you want to completely disable it, put some duct tape on the window in front of ...
by conservativeinvestor
Wed Jul 03, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

Again, if driving "engagement" and enough cargo space for dogs are the main requirements... GET A STATION WAGON!!! CUV/SUV/CrossOvers are just lifted wagons that are bigger, heavier, more expensive, etc - generally all the negatives for someone who cars about vehicle driving dynamics. *Bonus, the "...
by conservativeinvestor
Wed Jul 03, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

The CX-5 is the only moderately entertaining option on your list. Jett sport wagon and GTI seem like other decent options to consider. My neighbor has 2 dogs and is driving a 2002 BMW 530 wagon which he loves and has had since new. It’s a fairly reliable car much more than the v8 BMWs and they were...
by conservativeinvestor
Wed Jul 03, 2019 5:35 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

Find it interesting that so many posting here don't understand why OP would want to disable this feature. I also would as am quite content driving my vehicle without any electronic interventions. These things to me are not features but distractions and something else to break. Auto start/stop bothe...
by conservativeinvestor
Tue Jul 02, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

Find it interesting that so many posting here don't understand why OP would want to disable this feature. I also would as am quite content driving my vehicle without any electronic interventions. These things to me are not features but distractions and something else to break. Auto start/stop bothe...
by conservativeinvestor
Tue Jul 02, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

I have a 2019 Outback and the only thing that I turned off was the active lane departure feature. The system was a little too aggressive for me. I still get an occasional beep if the system thinks I'm drifting, but it won't push my wheel to "center" my car. I'm not sure I'm fully understanding how ...
by conservativeinvestor
Tue Jul 02, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

Find it interesting that so many posting here don't understand why OP would want to disable this feature. I also would as am quite content driving my vehicle without any electronic interventions. These things to me are not features but distractions and something else to break. Auto start/stop bothe...
by conservativeinvestor
Tue Jul 02, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

Lol I guess I should have expected some of the responses but I enjoy driving, it's fun, a hobby even. I reluctantly gave up stick shifts because the cars I want no longer offer them. I really prefer to shift my own gears, turn my headlights and windshield wipers on or off myself, I want to feel lik...
by conservativeinvestor
Tue Jul 02, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

Lol I guess I should have expected some of the responses but I enjoy driving, it's fun, a hobby even. I reluctantly gave up stick shifts because the cars I want no longer offer them. I really prefer to shift my own gears, turn my headlights and windshield wipers on or off myself, I want to feel like...
by conservativeinvestor
Tue Jul 02, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

Re: 2019 Subaru Forester Eyesight System?

I've only test driven. I know that if you turn off lane keep assist it will stay off until you turn it back on - don't need to turn it off every time. Unfortunately the same is not true for auto stop start. Blind spot monitoring is not standard on all trims. I completely missed that they also now c...
by conservativeinvestor
Tue Jul 02, 2019 7:38 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5870

2019 Subaru Forester Eyesight System?

I'm starting to look at new cars and putting together a list to go do some test drives. One at the top of the list right now is the new 2019 Subaru Forester. It looks like every trim level now comes standard with the eyesight system and I don't really want it but if it isn't too intrusive I don't th...
by conservativeinvestor
Thu Jun 27, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5539

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

If your state requires inspection it may not pass if the TPMS light is on. It depends on your state here is the info from Tirerack.com for limited states, check your own state to makes sure. https://www.tirerack.com/tires/tiretech/techpage.jsp?techid=214 Delaware No. Confirmed by the DMV. Hawaii Yes...
by conservativeinvestor
Wed Jun 19, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 794661

Re: What's Your Credit Card Rewards Strategy?

I like simplicity so I only have 2 credit cards. A Capital One Visa that earns 1.5% on everything and I use it for everything. I also have other online accounts at Capital One and they are all displayed along with the credit card on one screen which makes managing all the accounts incredibly easy. A...
by conservativeinvestor
Mon May 13, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 79
Views: 8737

Re: Any conservative young investors?

I started out really conservative in my 20's and bought a lot of government savings bonds (I and EE) and 50/50 allocation in my TSP(401K). I didn't make much money and felt like I didn't want to take any risk of losing any money. In hindsight I wish I had been 100% stocks and putting any extra money...
by conservativeinvestor
Tue Mar 26, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Screening Buyers of Goods on Craigslist
Replies: 30
Views: 3041

Re: Screening Buyers of Goods on Craigslist

I have had a lot of luck selling items on craigslist. The first thing to do is setup an email account just for selling items online. List your items for sale with a good description of what you are selling and post good pictures. I never give out my phone number in the ad or any personal contact inf...
by conservativeinvestor
Tue Mar 12, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7343

Re: Lawn care schedule

If you don't mind watching some youtube videos this channel has helped me a lot with my lawn. His new videos are in florida but a lot of the advice given is pretty universal. I've made a huge turn around on my transition zone lawn using some of the advice. Some of the older videos focused on the mid...
by conservativeinvestor
Fri Feb 22, 2019 4:58 pm
Forum: Personal Investments
Topic: Increase TSP (401K) contribution or invest outside?
Replies: 17
Views: 1106

Re: Increase TSP (401K) contribution or invest outside?

I don't think I asked the right question initially. I should have made it more general.

If there were no limits on 401K contributions would there still be an advantage to having other investment accounts? (assuming the 401K had a good choice of investments to choose from)
by conservativeinvestor
Fri Feb 22, 2019 4:48 pm
Forum: Personal Investments
Topic: Increase TSP (401K) contribution or invest outside?
Replies: 17
Views: 1106

Re: Increase TSP (401K) contribution or invest outside?

If you are early in your career and still fairly low income, then going all-in with the Roth might make sense. But if your marginal federal rate is 22% or higher, then putting some of your contributions into the traditional TSP is a good idea. I have 20 years until retirement. I am in the 22% tax b...
by conservativeinvestor
Fri Feb 22, 2019 1:19 pm
Forum: Personal Investments
Topic: Increase TSP (401K) contribution or invest outside?
Replies: 17
Views: 1106

Increase TSP (401K) contribution or invest outside?

I cannot afford to max out my TSP (401K) contributions at $19,000 per year. I currently put 15% into the Roth TSP (after tax) and get a 5% Traditional (pretax) match. My tax refund is going to be used to pay off a car loan so that will free up some extra cash each month which I would like to invest ...
by conservativeinvestor
Wed Feb 06, 2019 2:22 pm
Forum: Personal Investments
Topic: Saving Enough? Too Much? Advice wanted.
Replies: 30
Views: 2892

Re: Saving Enough? Too Much? Advice wanted.

After reading the comments so far and doing some more thinking about this if I decreased my savings the extra money each month probably wouldn't provide more joy than the piece of mind it buys for the future. I just know that I have a tendency to over prepare for things and thought maybe this was an...
by conservativeinvestor
Wed Feb 06, 2019 6:07 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 11654

Re: How much do you keep in checking?

1 month worth of expenses are kept in checking. All extra money is in a high interest online money market / savings account. Moving funds to checking usually takes about 2 days or I can even use the online savings to directly pay a credit card I have from the same company. This makes paying for unex...
by conservativeinvestor
Tue Feb 05, 2019 6:42 pm
Forum: Personal Investments
Topic: Saving Enough? Too Much? Advice wanted.
Replies: 30
Views: 2892

Re: Saving Enough? Too Much? Advice wanted.

Any general advice on how to determine if I'm on track with savings? I can't answer that without knowing your goal. What's your goal? Retire by 60? Have option to retire by 40? Etc. Know your goal will help you determine if you're on track to achieve it. Yes what is the goal that is a good question...
by conservativeinvestor
Tue Feb 05, 2019 6:35 pm
Forum: Personal Investments
Topic: Saving Enough? Too Much? Advice wanted.
Replies: 30
Views: 2892

Re: Saving Enough? Too Much? Advice wanted.

... After I hit 1 years worth of emergency funds I increased my retirement savings and stopped saving any money outside of the TSP (401K). You might consider cutting back on the Roth TSP by $6k and instead put that much into a Roth IRA. It doesn't change the dollar amount of how much you save, but ...
by conservativeinvestor
Tue Feb 05, 2019 6:22 pm
Forum: Personal Investments
Topic: Saving Enough? Too Much? Advice wanted.
Replies: 30
Views: 2892

Re: Saving Enough? Too Much? Advice wanted.

KlangFool wrote:
Tue Feb 05, 2019 6:16 pm

conservativeinvestor,

Do you have a mortgage payment? Do you consider your mortgage payment as expense or savings?

KlangFool
We do have a mortgage that we split I do not consider the mortgage to be savings.
by conservativeinvestor
Tue Feb 05, 2019 5:56 pm
Forum: Personal Investments
Topic: Saving Enough? Too Much? Advice wanted.
Replies: 30
Views: 2892

Re: Saving Enough? Too Much? Advice wanted.

conservativeinvestor, You could use your gross income to do a quick check on your annual expense. Annual expense = gross income - taxes (Look at the 2018 year end paycheck FICA+Medicare+State+ Federal) - savings KlangFool Klangfool that number comes out to $41.6K so that would be my actual expenses...
by conservativeinvestor
Tue Feb 05, 2019 5:36 pm
Forum: Personal Investments
Topic: Saving Enough? Too Much? Advice wanted.
Replies: 30
Views: 2892

Re: Saving Enough? Too Much? Advice wanted.

All good points and concerns so far and some I have not thought of or don't have enough information to make a decision. To address some of the points raised so far: My wife and I have been together for over 15 years and do a good job living together independently. We have always managed our finances...
by conservativeinvestor
Tue Feb 05, 2019 1:12 pm
Forum: Personal Investments
Topic: Saving Enough? Too Much? Advice wanted.
Replies: 30
Views: 2892

Saving Enough? Too Much? Advice wanted.

Hi everyone I would like some advice, I keep feeling like I'm behind on my 401k investments and not saving enough but when I run some of the calculators available on the net I keep coming up with numbers that look like I'm possibly over saving. My situation is pretty straight forward, I'm soon to be...