Search found 107 matches

by VGisforme
Sun Jan 12, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse diagnosed with cancer. Financial steps?
Replies: 38
Views: 5916

Re: Spouse diagnosed with cancer. Financial steps?

This hits way too close to home with me as we are mid 40s and my wife recently had a recurrence of cancer after nearly 7 years. Our kids are 9 and almost 7. I've been busy avoiding the financial issues as most things are squared away but at some point I'll have to put together more of a plan as well...
by VGisforme
Wed Sep 04, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Winter (snow) tires for Volvo XC-70
Replies: 26
Views: 1824

Re: Winter (snow) tires for Volvo XC-70

I've had great success with the Michelin X-Ice Xi3, they also sell and older X-Ice Latitude Xi2 model in some other sizes but the Xi3 has the newest design. I use a smaller diameter, larger sidewall winter tire 18s vs. 20s in fair weather. I've ran the Michelins from October thru April the past 5 ye...
by VGisforme
Tue Nov 06, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3750

Re: Furnace Duct Cleaning-a high profit game?

I think some are being a little negative in response to the OP's question. Sure, HVAC duct cleaning is an "add on" and likely has a large profit margin, but that doesn't mean there aren't times where it's beneficial. I have allergies, and I replaced the furnace shortly after buying my home and I ha...
by VGisforme
Mon Nov 05, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3750

Re: Furnace Duct Cleaning-a high profit game?

I'd pass there really is no reason to clean the ducts, I'd sooner spend that money on sealing the ducts however. The return air ducts will always be very dusty regardless since that air is all pre filter. Sealing the supply and return ducts to prevent conditioned air from getting into unconditioned ...
by VGisforme
Mon May 14, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 11688

Re: Is there a boglehead muscle car?

In 2011 I bought a lightly used 2006 Dodge Charger R/T with the R&T package (basically the Daytona without loud colors, it had the really grippy seats, larger front anti roll bar and louder free flowing exhaust and intake, different steering rack etc.). It had 22k miles on the clock and I bought it ...
by VGisforme
Wed May 09, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 2532

Re: Another Vehicle Question

Have fun plopping down $60-$70 to fill the tank every 275-300 miles. I have a really hard time believing that 3 kids are outgrowing a mini-van. Are you sure you'll get any more storage in the Expedition? Mini-vans do a wonderful job with storage space. My wife and I don't make that much less than y...
by VGisforme
Tue Mar 27, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Replacing A 2006 Jeep Liberty CRD?
Replies: 6
Views: 766

Re: Replacing A 2006 Jeep Liberty CRD?

Perhaps look at the new Subaru Ascent. Turbo 4, so likely good on gas, 5000 pound towing, 8.7 inches of ground clearance, 260 hp/ 277 foot pounds. It talks about 3rd row seating. Perhaps the 3rd row is removable....I don't know. It is being built in the Lafayette, Indiana plant where Outbacks, Lega...
by VGisforme
Tue Mar 27, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Replacing A 2006 Jeep Liberty CRD?
Replies: 6
Views: 766

Re: Replacing A 2006 Jeep Liberty CRD?

Which Cherokee did you test the 2018? The 2019 now has the 3.2 V6 or a new 2.0 Turbo 4. They changed the body style a little to get rid of the polarizing front end making it look more like the Grand Cherokee and Compass. Sounds like you might need to check out the new model or maybe get a great deal...
by VGisforme
Fri Mar 16, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 7577

Re: Tires on a 15 year old car....Replace or not?

As others have said, replace them immediately. Even if garage kept tires break down just being exposed to air. I wouldn't buy a tire that was too old just sitting on the shelf either. Always check the DOT date codes that tell you the week and year of manufacture. I drive about 15,000 miles a year mi...
by VGisforme
Sun Feb 04, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 24545

Re: For BHs who actually like cars - what is your daily driver?

I daily drive a 2006 Dodge Charger R/T with the performance package (basically the Daytona without the loud paint and decals). I’ve put on the suspension of a 2010 Challenger SRT and added an aftermarket intake and use a Diablo tuner. For warm months I use the 20x9 wheels from that Challenger SRT fi...
by VGisforme
Sun Feb 04, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: What would you do with this car?
Replies: 37
Views: 3521

Re: What would you do with this car?

Sell it and move on. Carmax probably isn’t the best here try a luxury reseller maybe on consignment. Horrid car choice but you know that now. You’d have been happier with a loaded GL, your wagon is 1970s vintage army vehicle and you can only do so much there it lacks a lot of advanced manufacturing ...
by VGisforme
Mon Jan 29, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Low depth elongated toilet?
Replies: 22
Views: 3190

Re: Low depth elongated toilet?

I bought a couple of Kohler Highline classic elongated about 6 months ago. They are a bit deeper but I just wanted to say they are amazing as far as their efficiency. Hard to believe they flush so well, considering the low volume of water they use. I purchased from Lowe's because of the upgraded se...
by VGisforme
Mon Jan 29, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 4826

Re: Which of these mechanic-recommended services would you pay for?

Silly that you won’t tell us the make, model and mileage/year of the car. Unless you have an ultra rare car it is hardly personally identifiable. Brake fluid is fair game to change based on time as it does absorb water... if car is older than 5 years might make sense but really consult owners manual...
by VGisforme
Sat Jan 20, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 10397

Re: New Brake Pads

Well even if you aren't handy you can visit RockAuto and buy the pads and honestly new rotors are cheap too! Then have them replaced by an independent place. Many will charge a 10% markup since they don't sell you the parts but you still come out ahead. A Honda Accord is a commodity and there are to...
by VGisforme
Sat Jan 20, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 5064

Re: How do you adjust side mirrors in a car?

This is a pet peeve of mine, I adjust mine like the OP suggested but I see tons of folks that have the side mirror looking directly behind them. I shouldn't be able to see your whole face when I'm behind you! In my experience I see lots of females use the rear mirror pointed at them and use the side...
by VGisforme
Tue Dec 19, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 8057

Re: Wife New Car Recommendations - SUV

Ok all, bumping this back up. So pricing out a 2017 CX5, you're looking at about $35K+taxes, which to me is pretty crazy for a Mazda. I've always bought "used" to save on the depreciation. Making sure I know the history of the car, the owner has maintenance records etc. So lately, I've been doing s...
by VGisforme
Tue Dec 12, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 9800

Re: Snow Tires? Worth it?

when I buy snow tires, I run them until they are worn out and then get another set. I do not bother to swap between summer and winter. My winter tires last about 3-4 years and that is good enough for me. I am not a race car driver, so I do not need the summer tires for performance driving. The wint...
by VGisforme
Tue Dec 12, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 9800

Re: Snow Tires? Worth it?

My 2 cents: I have driven in snowy midwest states all my life. All season tires, never 4WD or AWD. I have never had a winter-related incident but have had lots of white-knuckle commutes or drives in nasty conditions. I consider myself a really good winter driver. BUT I just got snow tires for my ne...
by VGisforme
Wed Sep 27, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 6199

Re: $700 to install a dishwasher seem by a plumber?!

Hard to find folks to do work lately, everyone is booked! You're Chicagoland so go to Abt in person or online and order your dishwasher, they'll do white glove delivery and install. Make sure to haggle with them on price, helps if you're buying more stuff. I love Abt and am in no way affiliated. I'm...
by VGisforme
Mon Aug 28, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: "Bargain" house in HCOL area
Replies: 34
Views: 4527

Re: "Bargain" house in HCOL area

Of course I had to look this up on Redfin and I think I found the house. I'd be very wary of any home that is vacant for a few years much less 10. A lot can go wrong when you're not keeping an eye on it. It says house was built in 1933 and I assume there have been several additions along the way, as...
by VGisforme
Sat Aug 19, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1992

Re: Home Theater Help

Register and start a thread on AVS forum, tell them your budget and what you need and you'll get some great help. They can tell you the optimum system for just about any price point imaginable. You could round out that room for $500 or $50,000+ but I'd assume about $2,500-$4,000 depending on how big...
by VGisforme
Wed Jun 21, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 12931

Re: is luxury car a smarter purchase?

jebmke wrote:
grettman wrote:When I was growing up, the promised us hovercrafts and flying cars. I will believe this when I see it.
and paperless society.
That's a good one, my dad was a paper salesman for 40+ years from the 1950s into the 1990s and he was told that computer would ruin him...
by VGisforme
Fri Mar 10, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 67
Views: 16609

Re: Google wifi is awesome

With a Comcast DOCSIS 3.0 gateway in the upper level of my two story home I get reliable service in the basement, yard and garage. Have to use 2.4 ghz when I get too far but 5 ghz works great otherwise. We don't have a huge house about 2,180 sq ft. Important to place the gateway/router in a good spo...
by VGisforme
Sun Sep 25, 2016 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: When (or whether) to have a second child
Replies: 37
Views: 5745

Re: When (or whether) to have a second child

Of course you can afford it but might not retire early or keep saving 65% of your single income... Everything is relative I suppose, get back to us when you actually have a dilemma.
by VGisforme
Thu Sep 01, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: SUV with 3 rows - Acadia, Volvo or something else?
Replies: 18
Views: 4514

Re: SUV with 3 rows - Acadia, Volvo or something else?

Just in case you aren't aware the new Acadia has been downsized a bit and about 700 lbs shaved off as well. The Enclave and Traverse remain the same size as before. I'd also look at the Durango if you need the size. The Pilot is pretty roomy however. Otherwise you're moving up to the big boy Yukon o...
by VGisforme
Sun Jul 31, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 8951

Re: Retaining wall on neighbor's property

I want to defend this neighbor more strongly than most have to this point. This is a 4 foot retaining wall replacing a wall that's already collapsed and you want to put it up with no permits and encroach on my property? Be glad he isn't fully hostile at this point, you seem to have a calm and consi...
by VGisforme
Sun Jul 31, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 8951

Re: Retaining wall on neighbor's property

I want to defend this neighbor more strongly than most have to this point. This is a 4 foot retaining wall replacing a wall that's already collapsed and you want to put it up with no permits and encroach on my property? Be glad he isn't fully hostile at this point, you seem to have a calm and consi...
by VGisforme
Sun Jul 31, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 8951

Re: Retaining wall on neighbor's property

I want to defend this neighbor more strongly than most have to this point. This is a 4 foot retaining wall replacing a wall that's already collapsed and you want to put it up with no permits and encroach on my property? Be glad he isn't fully hostile at this point, you seem to have a calm and consid...
by VGisforme
Thu Jul 14, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Networth = Age x Pretax income then divide by 10?
Replies: 49
Views: 12083

Re: Networth = Age x Pretax income then divide by 10?

Most early replies seem to think this has something to do with a retirement goal... This is simply a net worth rule of thumb it says nothing about your suitability to retire which is more a function of assets, spending and time horizon. Of course this has something - if not everything - to do with ...
by VGisforme
Thu Jul 14, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Networth = Age x Pretax income then divide by 10?
Replies: 49
Views: 12083

Re: Networth = Age x Pretax income then divide by 10?

Most early replies seem to think this has something to do with a retirement goal... This is simply a net worth rule of thumb it says nothing about your suitability to retire which is more a function of assets, spending and time horizon. I suppose that might shame some folks if their networth is lowe...
by VGisforme
Fri Jun 10, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 6322

Re: 3 Row SUVs - Help Educate Me

I'm surprised no one has mentioned the Dodge Durango, it isn't huge but not as small as the other mid sizers. The pentastar is a good engine, the platform is a stretch Jeep Grand Cherokee. It has done consistently well in magazine shoot outs too. FYI the brand new Acadia is going smaller but the Enc...
by VGisforme
Mon Jun 06, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 11632

Re: Best AWD Sedan/Coupe?

Let's start with why you think you want AWD? Are you worried about winter traction? If so you will come out ahead from a safety and financial standpoint If you get 2wd with a nice set of snow tires for winter. You are right many AWD sedans are luxury models trying not to feel FWD or trying to get th...
by VGisforme
Tue May 03, 2016 9:50 am
Forum: Personal Investments
Topic: Help with portfolio, saving for a home, managing windfall, for married couple in 30s and 40s
Replies: 20
Views: 3045

Re: Help with portfolio, saving for a home, managing windfall, for married couple in 30s and 40s

Does your husband really have next to nothing saved? That's what jumps out at me in a huge way. I realize he has no 401k option but a 42 year old person in a fickle field like entertainment who has substantial but variable income should have a sizable taxable retirement account. I think you need to ...
by VGisforme
Sat Apr 23, 2016 7:11 am
Forum: Personal Investments
Topic: Million? [Will I get there]
Replies: 43
Views: 8769

Re: Million? [Will I get there]

What's magic about $1 Million? It has more to do with your expenses and savings etc. I assume you mean 401k? Companies don't sponsor IRAs that is an Individual Retirement Account that you open separately if you are so inclined. What fund are you in? Post what allocation you have and what is availabl...
by VGisforme
Wed Apr 13, 2016 10:20 pm
Forum: Personal Investments
Topic: Move cash to Target Retirement?
Replies: 2
Views: 611

Re: Move cash to Target Retirement?

Generally no you should not. Cash needed for a down payment in a few years should not be in equities.

If you have a vague timeline and a healthy appetite for risk (and don't mind if your down payment monies fall ~30-40% in the next 3-4 years) then go for it.
by VGisforme
Thu Apr 07, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: what are the implications of claiming my significant other as a dependent?
Replies: 34
Views: 3492

Re: what are the implications of claiming my significant other as a dependent?

I can't get past the fact that you didn't have a conversation with her before claiming her. That just seems bizarre to me but hopefully you won't make this mistake in the future. As others have stated you need to determine if she qualifies as your dependent and make your decision from there.
by VGisforme
Sun Apr 03, 2016 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Contributions and Conversions
Replies: 7
Views: 1047

Re: Roth Contributions and Conversions

They're talking about after tax contributions made to the traditional IRA in the section you cite.
by VGisforme
Tue Mar 29, 2016 6:23 am
Forum: Personal Investments
Topic: When do I sell????
Replies: 36
Views: 4970

Re: When do I sell????

What is this investment for? Retirement? It sounds like you are short term speculating and not really investing for the long haul. You need to come up with an investment plan and determine your risk tolerance. Generally speaking, money you need in the next 4-5 years for expenses like car, house etc ...
by VGisforme
Sun Mar 27, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to jointly invest in a rental unit with family members?
Replies: 17
Views: 1850

Re: What is the best way to jointly invest in a rental unit with family members?

It's the same way as the very best way to buy a boat.... Avoid it altogether! Sorry I couldn't help myself! I'd be loathe to buy real estate with a partner much less two especially two family members but I'm sure it can work out great for some.
by VGisforme
Fri Mar 25, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Mazda Mazda5 Touring and Volkswagen Routan. Any experiences?
Replies: 7
Views: 804

Re: Mazda Mazda5 Touring and Volkswagen Routan. Any experiences?

The Routan is a rebadged Dodge with nicer materials and stiffer springs. I'd prefer the actual Dodge for cheaper parts. The 5 is quite a bit smaller and like TVs rarely do folks regret getting a larger one! On a tight budget you might look for a Dodge Journey from 2011+ it will have the same engine ...
by VGisforme
Tue Feb 23, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Full 20% Down Payment then HELOC to replenish Capital
Replies: 14
Views: 2352

Re: Full 20% Down Payment then HELOC to replenish Capital

Have you done any research yet on this? My understanding is that most HELOCs aren't going to let you borrow beyond 75-80% LTV so I don't think this would be an option for you.

Maybe someone has done this recently and will chime in.
by VGisforme
Tue Jan 19, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: [ I have] overspent this month.
Replies: 30
Views: 5275

Re: [ I have] overspent this month.

I think you should see a therapist for this one, start a therapy fund and fund it along with your savings next month. This post is ridiculous what advice are you seeking? Did you think it might be wise to take out a 401k loan or Payday Loan to make up your $150 shortage? I see this as a cry for help...
by VGisforme
Sun Jan 10, 2016 12:06 pm
Forum: Personal Investments
Topic: Should I increase stock%?
Replies: 7
Views: 1171

Re: Should I increase stock%?

Try posting your info in the correct format and be sure to list your goals etc. you don't give much info to base advice upon. Unless you just want some one to agree with you in which case sure go all equities. Heck go all out and bet it all on black... Or red :wink:
by VGisforme
Wed Dec 30, 2015 2:36 pm
Forum: Personal Investments
Topic: Employer 401k contribution
Replies: 13
Views: 2076

Re: Employer 401k contribution

I've never heard of a plan that matches at less than dollar for dollar[...] Over two decades at work, I have never had a dollar for dollar match in my 401(k). You took the first part of that quote out of context. Of course there are many plans that match less than dollar for dollar. Do you know any...
by VGisforme
Wed Dec 30, 2015 1:09 am
Forum: Personal Investments
Topic: Employer 401k contribution
Replies: 13
Views: 2076

Re: Employer 401k contribution

Typical for employer retirement plan doublespeak, hard to make easy sense of. I still can not give you a straight answer on how much my husband's employer matches/contributes. But I figure it is what it is, and we will take whatever it ends up being. Why not just state "We will match x% of each dol...
by VGisforme
Sat Dec 19, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 7464

Re: Need recommendations for 4WD/AWD vehicle

Okey-dokey, will do! Do you think kitty litter will work for getting traction? (I've got two cats, thus plenty of kitty litter is always at hand)... Well you wait out storms , drive very little , have front wheel drive (FWD) , and have problems getting up your icy but short driveway - obviously you...
by VGisforme
Wed Dec 09, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Need Humidifier recommendation
Replies: 7
Views: 1002

Re: Need Humidifier recommendation

Looking to buy a humidifier for my or daughter's bedroom. 350-500 sq ft. I have one crain, which is filter less. I use distilled water and pretty happy with not having to deal with filter. What are your thoughts bogleheads? My initial thought is that your daughter's bedroom is bigger than my first ...
by VGisforme
Fri Nov 20, 2015 12:57 am
Forum: Personal Investments
Topic: underperforming mutual fund
Replies: 20
Views: 1941

Re: underperforming mutual fund

sorry BL, but this is a "canned respond". It was good advice though. Why did you buy the fund in the first place? Did it fit into your long term plans? Why complain about it two months later when you are down a bit? I'd expect this type of post from a new investor not someone 15 years from retireme...
by VGisforme
Fri Nov 20, 2015 12:28 am
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 4856

Re: Recommended Snow Tires

I've been using The Michelin XIce Xi3 the last 3 years. Getting excellent wear from them and they handle snow and cold dry weather great. Car and Driver just did a test and rated the XIce 2nd to the Nokian r2 which doesn't come in the sis I'd need anyway an is pretty pricy. The Blizzak WS80 I've hea...
by VGisforme
Thu Nov 19, 2015 1:21 am
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 34
Views: 3900

Re: What to do with $10k bonus

Start a Roth IRA now. Even if not fully funded. Once it has been in place for any part of 5 calendar years, you can withdraw your contributions (not growth/earnings) without tax consequences in an emergency, so it can effectively be your emergency fund beginning in 2019. This is actually incorrect,...