Search found 53 matches

by flyphotoguy
Fri Sep 13, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 148
Views: 6175

Re: How old is your cellphone?

Iphone 6 bought used a few years back... still working and won't replace till something happens to it.
by flyphotoguy
Wed Aug 28, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6321

Re: Purchasing a truck - thoughts?

Honda Ridgeline (pilot based so should be comfy and reliable), Toyota Tacoma/Tundra then maybe Ford F150.....
by flyphotoguy
Thu Aug 22, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1272

Re: Buying used car (another one of those threads!)

Hey fellow bogleheads. So I was recently in an accident and my 2008 car with 136K miles on it was deemed totalled by insurance (~5K in repair costs which is what the car is worth more or less). So I am getting a check from insurance, but I am a good boglehead and have ample savings. Honestly, I wan...
by flyphotoguy
Thu Aug 22, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 18366

Re: Do you buy new or used cars?

Used since 2006... I've seen the light, maybe not as young as I would have liked but young enough to reap the benefits now. Saved on higher insurance/tax/monthly payments. :sharebeer
by flyphotoguy
Tue Aug 20, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10422

Re: Aliens have captured my husband

He is only 74. He is too young for a Lexus. LOL!!! Check out the Lexus RCF or whatever their sporty GT coupe they have now. That might be a better choice reliability/durability wise but if you don't mind bringing the porsche it to the shop when it needs repairs/fixes and paying premium for it... we...
by flyphotoguy
Fri Aug 16, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3264

Re: Buying an older used car - any new/different ideas?

Maybe look for a Pontiac Vibe, last made in 2010. It is from the joint venture GM/Toyota plant and is really a Toyota mechanically. The marque may be tainted by GM's reputation and Pontiac's demise. I just sold my Pontiac Vibe 2008 model via NextDoor. Check that app/site out as it's local. I commut...
by flyphotoguy
Fri Aug 16, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Refinance car as layer of emergency funding?
Replies: 33
Views: 1952

Re: Refinance car as layer of emergency funding?

Sell the car and get a cheaper car. Clearly, you cannot afford it. I don't think so. While not buying that car may have been the better course of action, now that it is purchased, there are large costs of being hit with both large depreciation and transaction costs. The car is already leaking accor...
by flyphotoguy
Thu Aug 15, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance car as layer of emergency funding?
Replies: 33
Views: 1952

Re: Refinance car as layer of emergency funding?

chevca wrote:
Wed Aug 14, 2019 10:09 am
Still would love to know where 4% savings accounts are at.
Yeah where's this 4% at?

Also maybe do a Dave Ramsey. Get rid of that car, get a beater car (corolla, civic, matrix, accord, camry...) and start saving... It's redonkidonk to do a refi on an underwater, problematic car....
by flyphotoguy
Tue Aug 06, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Mazda extended warranty
Replies: 20
Views: 1371

Re: Mazda extended warranty

Bought Mazda 9 Year Extended Warranty on my 2015 Mazda 5 for $2K. Now have a leaking front Strut/shock and find out it is not covered. Finally after much aggravation finally got the Mazda Extended Warranty booklet that states what is / is not covered and under their Section E Item 8 Other Parts Not...
by flyphotoguy
Wed Jul 31, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Car Repair Question
Replies: 29
Views: 2139

Re: Car Repair Question

Another recommendation to avoid the dealership unless a repair is under warranty. They don't call them "stealerships" for nothing. Like what was mentioned above you have a lot of better options. 1. Look for a mechanic for what they charge to replace it. 2. Look for the part (Denso brand for toyota ...
by flyphotoguy
Wed Jul 10, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9003

Re: Who cuts your hair? And for how much?

Me and my wife since I'm pretty much bald. Bought a buzzer set a few years ago for like $20. If I need a good clean haircut I'd go to greatclips with coupon for maybe $10-$16 per cut.
by flyphotoguy
Wed Jul 10, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1490

Re: Car Dilemma

Son gets the old Lexus You drive the Forester Wife gets whatever she wants. Otherwise, you're talking spending multiple 10's of thousands of dollars needlessly. Fixed it for you. I 2nd this... Take care of the health issues first and a Lexus ES or NX/RX SUV would be comfy and possibly great driving...
by flyphotoguy
Wed Jul 10, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1506
Views: 148826

Re: S&P 500 hit 3,000 today

Weeeeeeee see you at 4,000... or maybe 2,000.... let's go for 5,000 instead! Can't complain about green giving us more green! :sharebeer
by flyphotoguy
Wed Jul 03, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3485

Re: Does this car exist? Sexy convertible with a backseat

Check out the Lexus IS convertible, I ended up with IS 350C. It has enough space, usable back seat and will fit our inflatable paddleboards/luggage/picnic stuff. I might install a hitch for our bike racks. My previous vert was a bmw m3 (e49) manual more than a decade ago and sold it a long time ago ...
by flyphotoguy
Thu Jun 27, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3207

Re: Any insurance beating USAA?

I heard from those with USAA that they're happy with it and don't plan to change/move. I can't get it but I just recently moved from esurance to GEICO because of a few hundred dollars of savings per year.
by flyphotoguy
Wed Jun 26, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5145

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

electric tape to ignore it. You can visually notice if your air is lower and if it's too low you'll feel it driving. It's just a good to have but not necessary. I'd rather use the $70 for beer or wine :D :wink:
by flyphotoguy
Tue Jun 25, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 84
Views: 6166

Re: Lease vs Buying a Car

I've always bought used ever since reading the book(s) millionaire next door/millionaire mind. I have a friend who's been leasing nice cars since I can remember. He's been cycling Benz, BMWs, Audis, etc. but that works for him coz he likes replacing his cars every few years. If you're considering it...
by flyphotoguy
Sat Jun 15, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Attempting To Be Debt Free
Replies: 62
Views: 6725

Re: Attempting To Be Debt Free

:sharebeer keep it up. You’re not alone, A lot of us have those dark periods in life. Course correction to better paths are always good. One step at a time does wonders.
by flyphotoguy
Wed Jun 12, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and expected life span
Replies: 30
Views: 2815

Re: RMD and expected life span

willthrill81 wrote:
Wed Jun 12, 2019 8:34 pm
flyphotoguy wrote:
Wed Jun 12, 2019 8:33 pm
As for RMD, it goes down as you age so the burden goes lower.
RMDs increase as you grow older.
Oh sorry my mistake, let me edit that, I'm just forgetful, old and bald wishing I'm the Rock or that other action guy.
by flyphotoguy
Wed Jun 12, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and expected life span
Replies: 30
Views: 2815

Re: RMD and expected life span

from smithsonianmag, in the US: Broken down by gender, men could expect to live an average of 76.1 years, down from 76.2 in 2016, while women could anticipate living until 81.1, the same age projected in 2016. The lower rate for men are due to higher suicides/drug overdose. But from SSA, the numbers...
by flyphotoguy
Wed Jun 12, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20041

Re: Paying for rent is throwing away money...myth?

My first post--I thought it would be about laying bare my financial soul, but I guess not. I don't think it matters if you buy or rent. They are about the same. Here is my logic. Feel free to beat it up...... Just want to add 3 things: 1) We all tend to get more house than we need. For Mr. and Mrs....
by flyphotoguy
Tue Jun 11, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 4487

Re: 15K CAR with comfortable seats and quiet

I would also advocate for: Lexus ES 300h Toyota Avalon Hybrid Camry XLE hybrid All of these would meet the the criteria, the first 2 being more quiet. Gas mileage would be good as well. +1... Maybe look at Cadillac sedans too if you find them interesting. But check the reliability\durability from r...
by flyphotoguy
Tue Jun 11, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying Beyond Meat stock?
Replies: 35
Views: 3006

Re: Anyone buying Beyond Meat stock?

No, I did try the "meat" from Carls Jr., not sure if it's the impossible or beyond meat, but I wouldn't have it again. I'd have a real one for the price I paid (I think it was $8 for that special burger). It didn't seem worth the price vs the veggie burger we tried from Trader Joes. If it's your thi...
by flyphotoguy
Fri Jun 07, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2756

Re: New Camry Questions

The blind spot detector is a great safety feature. The other options you mentioned are less important in my view. If you can easily afford this, I would go for it. Agree, the blind spot detector is a great safety feature. The rest are meh... TPMS could be useful for leaks/punctures but if you maint...
by flyphotoguy
Wed Jun 05, 2019 12:39 pm
Forum: Personal Investments
Topic: Play Money in Your Portfolio?
Replies: 12
Views: 937

Re: Play Money in Your Portfolio?

yes, just a bit of playmoney... on crypto (I took off initial investment and left the gains) and some individual stocks that if/when they go $0 it's fine. If they make money then it's whohooo... more beer/wine money.
by flyphotoguy
Wed Jun 05, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2862

Re: Recommendations for "Backup" software

I use dropbox for important files, digital copies of files too so they span all my devices. Then 2 separate physical USB HDD (different brands and replaced every 4/5 yrs) for photos/videos/files/etc which I backup every 6 months. Been doing the 2 physical drive for more than a decade and dropbox may...
by flyphotoguy
Mon Jun 03, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Reliable Wireless Mouse?
Replies: 31
Views: 1548

Re: Reliable Wireless Mouse?

I'll add the logitech compact mouse I've been using have been reliable and portable. It connects via bluetooth so no need for the usb plug if your machine/laptop/tablet have bluetooth (which it should if it's not too old) already.
by flyphotoguy
Mon Jun 03, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 14694

Re: You May Never See Your Grandchildren Again

What a con artist! Somebody needs to wear a wire to a dinner, record his lies and take it to the appropriate authorities. Great work, Rick. A lot of seniors will read your column and be saved from the charlatans. My mom gets tons of mail/VM for free lunch/dinner to "help" retirement/retirees financ...
by flyphotoguy
Mon Jun 03, 2019 7:28 pm
Forum: Personal Investments
Topic: To Roth 401(k) or not
Replies: 20
Views: 1481

Re: To Roth 401(k) or not

I have a different reason than tax to move to roth. I moved all 401K and iras for me and DW to roth a few years ago and everything we put is in roth until we can't anymore. It's more so that she'll have less things to compute and manage when she's older. I expect my lifespan to be shorter than her d...
by flyphotoguy
Mon Jun 03, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7423

Re: Do you drive old cars for long distance travels?

yup Accord with 150K now and will be driving it when we go out of town. Tahoe, Vegas, Sand Diego, driving to LA soon to enjoy the beach. I also drive our Pontiac Vibe (pretty much a toyota matrix) with 195K now for long distance but it's less comfortable than the accord so less use on long drives. B...
by flyphotoguy
Sat Jun 01, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4481

Re: Thinking of leasing bmw 3 series

Leasing is not my thing but I do have a friend who likes to rotate nice cars. He's been leasing forever except for his Tesla model S and he's been happy doing it. Maybe it will work for you if you want to drive and return the car without worrying about future repair/maintenance. Can't help you on th...
by flyphotoguy
Sat Jun 01, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: WA resident, purchased vehicle from CA
Replies: 6
Views: 665

Re: WA resident, purchased vehicle from CA

Last week I purchased a used vehicle from a dealer in California. I paid cash and drove back to Washington State. I didn't receive a title and was told I would receive it in the mail. After a week, it still hasn't arrive. I'm starting to grow concerned because I know I will soon start accruing fees...
by flyphotoguy
Sat Jun 01, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2234

Re: Autos and transportation near retirement

Here's what I would want if I could set it up from scratch: 1- Nice/efficient sedan. For most driving needs. 2- Useful/larger vehicle. SUV or truck. Depends on what 'useful' means to you. For my family, it's a 3 row SUV. A 4 door truck would do the trick as well. Must be 4wd for us, to get to the m...
by flyphotoguy
Sat Jun 01, 2019 12:44 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 10688

Re: How did you all do in the month of May, 2019

runner3081 wrote:
Fri May 31, 2019 9:28 pm
Haven't checked and won't check. Just made a normal monthly ETF investment today.
- same here... though I do watch/read finance news for entertainment, it doesn't impact the process I've been doing in just plugging away year in year out.
by flyphotoguy
Sat Jun 01, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3500

Re: What to do with a 24" analog CRT TV?

donate or recycle it. drop it off best buy/staples or any local electronics store and they should be able to handle ewaste for you.
by flyphotoguy
Sat Jun 01, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2234

Re: Autos and transportation near retirement

A couple of years ago, while waiting for my oil change to be completed. I was sitting next to an old guy driving a maybe late 90s early 00s lexus car. We chatted a while and I found out he's a retired doctor and he said the car he's driving just keeps on running and never gave him issues throughout ...
by flyphotoguy
Fri May 31, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Is there a free Carfax available?
Replies: 21
Views: 1417

Re: Is there a free Carfax available?

You can check out autocheck too. I have not used it personally as I haven't bought a car in a long time. But like what the other said, carfax normally is already provided by the seller (dealer or private party). Not sure how accurate they are now as others have stated, a pre-purchase inspection by a...
by flyphotoguy
Thu May 30, 2019 12:36 pm
Forum: Personal Investments
Topic: The Best High Yield Savings Account
Replies: 25
Views: 2605

Re: The Best High Yield Savings Account

I've had MySavingsDirect account for a long time, I think it's 2.4% now. The difference vs other HYS is just too small to move my EF out of it.
by flyphotoguy
Thu May 30, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Resume / CV writing services?
Replies: 10
Views: 922

Re: Resume / CV writing services?

If you have Microsoft Office Word, they have a resume template you can use. And check out linkedin, create a profile or look at profiles there, the setup is CV/resume like and you can follow that format.
by flyphotoguy
Thu May 30, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 6611

Re: Buying a "new" car - Advice pls

Late reply - Thanks for all the feedback and insight, guys. Lately, I've been looking more at new cars since all the used cars I keep looking at keep having accident histories that I keep finding out about :( (even the ones being sold at dealerships).. Would it be fiscally irresponsible to throw do...
by flyphotoguy
Thu May 23, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage almost paid off
Replies: 31
Views: 3451

Re: Mortgage almost paid off

I am very excited be almost done with our mortgage. I have $10K balance left on mortgage since I made additional principal payment during the year. And my monthly mortgage is about 7K each month. What would happen in the month two? Would the bank take partial withdrawal (automatic withdrawal agreem...
by flyphotoguy
Wed May 22, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Sell condo or rent it?
Replies: 14
Views: 1198

Re: Sell condo or rent it?

Sell if you're not into, or planning to be a landlord. Being an accidental landlord will be stressful if you never planned/prepared on being one.
by flyphotoguy
Fri May 17, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: Does stock allocation truly matter?
Replies: 61
Views: 5635

Re: Does stock allocation truly matter?

The most important thing is to save money. The second most important thing is to invest that money. The third most important thing is Stock/Bonds. The fourth most important thing is US/INTL. All of that assumes you have a job. Good list but I would add earn a lot is the most important thing and put...
by flyphotoguy
Fri May 17, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Funding fiancee plastics practice.
Replies: 15
Views: 2410

Re: UPDATE: Funding fiancee plastics practice.

It might be good to talk or consult an accountant and/or other small business owners around your area? I noticed a lot of SBOs are very willing to help others with their experience and share knowledge on things. Good luck! Go get it!
by flyphotoguy
Fri May 17, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 7267

Re: Honda CRV or Toyota RAV4 ?

We test drove a 2019 RAV4 adventure. We liked it. I then read some reviews. Toyota doesn’t sell a hitch for it despite bragging about it’s 3500 towing capacity. People that have bought them have struggled to find an aftermarket one too. Might be a deal breaker since the point of the purchase would ...
by flyphotoguy
Fri May 17, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3283

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

I used to use synthetic when I was younger (Mobile 1). Now we just use normal oil and have it changed during the recommended mileage/time and never had any issues. Both our cars are high mileage now too ( >150K miles) but what's getting replaced are the normal wear and tear items such as brake pads,...
by flyphotoguy
Fri May 17, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: Invest or Payoff Home
Replies: 38
Views: 2955

Re: Invest or Payoff Home

If it was my wife deciding, the mortgage will be paid off... if it was me I'd invest and consider paying it off in the future instead. You have a lot of options but for peace of mind maybe just pay it off and forget about it. Good luck!
by flyphotoguy
Thu May 16, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 7267

Re: Honda CRV or Toyota RAV4 ?

Rav-4, unless it's a totally new model for the year and the bugs are not known yet. I'm disappointed that the newer CRV have that issue mentioned above. My moms early 2000s model, which she bought new, is still running with no issues. If it needs a big fix she'll probably donate or get rid of it for...
by flyphotoguy
Tue May 14, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 6611

Re: Buying a "new" car - Advice pls

Congrats on having your savings/retirement on track. I'm just gonna post the 2 cars I bought used a while back and is still running . I'm actually buying a used car in a year to 2 too. 2008 Pontiac Vibe (actually a Toyota Matrix) - Goal - reliable commute car, got it for $9K IIRC at 90ish K now at 1...