Search found 444 matches

by segfault
Sat Jul 28, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan payback credit score verse interest
Replies: 8
Views: 683

Re: Auto loan payback credit score verse interest

Good advice here. PenFed used to allow this type of prepayment--if you paid extra, you were considered X number of months ahead on your loan, and could skip payments entirely until the next due date, even if it were two years later. Most banks and credit unions don't do that!
by segfault
Sat Jul 28, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: How should I be paying off my auto loan quickly?
Replies: 7
Views: 953

Re: How should I be paying off my auto loan quickly?

A couple of things you might want to consider with paying off the loan early. Most lenders require payments at least every X number of days. So if your payment is $100/month, you usually can't pay $1,200 and then not make any payments for a year. Penfed used to allow additional payments to delay you...
by segfault
Sat Jul 14, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Catch up on retirement or pay mortgage faster?
Replies: 4
Views: 653

Re: Catch up on retirement or pay mortgage faster?

This sounds to me like a perfect case for agreeing to keep some finances separate after marriage. If you want to make goals and set up accounts to accumulate joint assets going forward using your earned income, I think that could also make sense.
by segfault
Mon Jul 09, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7004

Re: Walking Coast-to-Coast

I don’t know the OP from Adam, and this has nothing to do with my investments, but reading about this accomplishment put a much-needed smile on my face. Good on you!
by segfault
Mon Jul 09, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2947

Re: Rodents ate my car, and my insurance is ripping me off!

Are they depreciating labor? Materials may depreciate, but labor does not.
by segfault
Wed Jul 04, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 980

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

People rave about Keen sandals. I have a pair and they have elastic straps with a catch that pulls them tight. My feet are narrow and I've found the Keens to be extremely wide to the point that I sometimes trip on the overhang when walking, so I don't care for them. That said, they might work for yo...
by segfault
Sat Jun 30, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 8764

Re: Dad Needs Help Buying Wedding Liquor

I can't believe nobody has taken the opportunity to plug Bogle brand wine (no relation to Jack Bogle, AFAIK). :mrgreen:
by segfault
Mon May 14, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9112

Re: Is there a boglehead muscle car?

I bought a used 2011 Mustang GT Premium with under 30,000 miles on it last summer. That would easily be in your price range. It needed new tires but was otherwise in great condition. It is a weekend car for me--I'll probably put 3,000 miles a year or so on it. The seating position causes my left kne...
by segfault
Sun May 06, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream
Replies: 23
Views: 2609

Re: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream

Charlie had some amusing words about cryptocurrencies. I thought it was funny when he looked like he was falling asleep while the environmentalist was giving their question/speech. I was actually a bit disappointed Charlie didn't speak up more. I must have missed that. Was it towards the end of the...
by segfault
Sat May 05, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream
Replies: 23
Views: 2609

Re: Berkshire Hathaway Annual Meeting Today 5/5 - Yahoo Livestream

I thought it was interesting that while Buffett encourages people to invest in index funds, not all Berkshire companies offer them in their 401(k). I found his comment -- that they let the managers of the businesses make these decisions without interference from HQ -- to be a little disappointing. ...
by segfault
Sun Feb 25, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Help! Soon to be Divorced - Filing taxes Separately and potential huge tax burden
Replies: 28
Views: 2767

Re: Help! Soon to be Divorced - Filing taxes Separately and potential huge tax burden

I know you said you're not in a bitter fight, but this is a financial matter that needs to be negotiated between the two of you. Talk to your attorney(s).
by segfault
Thu Feb 08, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Bluebird or request a second/third card
Replies: 8
Views: 665

Re: Amex Bluebird or request a second/third card

Thanks for the advice. And I know. I’ve never gotten far from home without realizing it, but it makes me concerned that I might someday! IIRC, I’m not liable for unauthorized transactions on a credit card. So, no, I’m not worried about someone taking it. I’ll ask the issuer of my primary card for a ...
by segfault
Wed Feb 07, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Amex Bluebird or request a second/third card
Replies: 8
Views: 665

Amex Bluebird or request a second/third card

Not sure whether this should go in the PF forum or the personal consumer issues forum, but here goes: A couple of times a year, I will accidentally venture out without my wallet. Currently, I keep a small amount of cash in each of my two vehicles--enough to cover the cost of filling up the gas tank ...
by segfault
Sun Dec 10, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 14666

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

The words below are as insightful as it get when it comes to control. From my viewpoint it is a lot easier to accept things we you stop believing their was something you could have or should have done that would have made everything turn out perfectly. God grant me the serenity to accept the things...
by segfault
Mon May 29, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Buffet - The Wrath of Ebit
Replies: 32
Views: 5000

Re: Buffet - The Wrath of Ebit

The Coke protest/question was crazy, then Buffett gave an answer about sugar in Coke and not responsive to the question that was asked.
by segfault
Sun May 28, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Contributing the entire Year 401K in one Pay period allowed?
Replies: 22
Views: 4167

Re: Contributing the entire Year 401K in one Pay period allowed?

My employer doesn't do a true-up on the match, so I set the percentage deferral to contribute an even amount each pay period. Can get tricky if you get a raise mid-year. I echo the sentiment that, for those who aren't self-employed, it's important to know whether your company does a true-up.
by segfault
Tue May 16, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1999 Honda Accord 175,000 miles CEL Code P1456
Replies: 13
Views: 1992

Re: 1999 Honda Accord 175,000 miles CEL Code P1456

I would consider getting a newer car purely for safety reasons. Here's an article that shows a crash between a 2015 and a 1998 Toyota Corolla, pointing out how far car safety has come: http://jalopnik.com/this-crash-between-a-2015-and-a-1998-toyota-corolla-sho-1795220332 This. The old Accord probab...
by segfault
Sun May 14, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 2806

Re: Where do you get your tea ?

Upton Tea Imports.

https://secure.uptontea.com/store/home. ... e/home.asp&

They have a pretty cool newsletter and lots of variety. I've stopped drinking tea and cola as much, as they stain my teeth. I can be vain like that. :D
by segfault
Tue May 09, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 8118

Re: 18" vs 20" Tires

The 18" tires are likely to stick out further from the wheels than the 20" and would thus provide more protection to the wheels from sliding up against a curb.
by segfault
Tue May 09, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 4388

Re: What to do with older laptop?

Recycle it. You've gotten more than your money's worth from it. Even simple internet browsing requires significantly more power than it did ten years ago--just rendering a webpage can use hundreds of megabytes.
by segfault
Sat Mar 25, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds
Replies: 27
Views: 6334

Re: Vanguard Target Date Funds

I use Target Date Funds as the "ballast" of my portfolio, and they are my exclusive holding in my Vanguard tax-advantaged accounts. I have a taxable account, which holds only Total Stock Market and one single stock. My work 401k offers non-Vanguard target date funds, and they have high ERs, so I hav...
by segfault
Fri Mar 24, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19077

Re: Virtual Private Networks (VPNs)

+1 for PIA. Netflix (and, I assume, other streaming providers) have gotten pretty good at banning people connecting through VPNs, so that's likely to be an issue with all of them.
by segfault
Fri Mar 24, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: How to make my old MacBook to work?
Replies: 20
Views: 1963

Re: How to make my old MacBook to work?

SSD should make it faster. I have found that the newer versions of MacOS are not optimized for the older spinning type hard disks. Or you can pick up a used MacBook Air that already has an SSD--my 2011 model is still very fast and responsive.
by segfault
Wed Mar 22, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Small appliance electrical safety
Replies: 37
Views: 3432

Re: Small appliance electrical safety

The house I used to own had 4 or 5 kitchen outlets on the same circuit (I think it was a 20 amp circuit). You couldn't run the microwave (about 1,000 watts) and the toaster oven (about 1,500 watts) at the same time without tripping the breaker. I think the refrigerator was on a separate circuit (sha...
by segfault
Wed Mar 22, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 5195

Re: What is your preferred Weather App?

I use the built-in weather apps on my iPhone and in Windows 10, and the built-in weather widget in MacOS. I also visit the Accuweather website.

Inexplicably, Apple doesn't include a weather app (or calculator) on the iPad, so I use the Accuweather app there.
by segfault
Thu Mar 16, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: How should I handle this? [Where to invest]
Replies: 8
Views: 1196

Re: How should I handle this?

Assuming this is true, you could bump up your SIMPLE contribution during open enrollment, then delay some or all of next year's IRA contribution until you are sure you won't need the money (you wouldn't lose any match on the IRA and you have until April of the next year to make your IRA contribution...
by segfault
Tue Mar 07, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's 2017 Economic and Market Outlook
Replies: 12
Views: 2914

Re: Vanguard's 2017 Economic and Market Outlook

I'm in the process of reading it right now (the TSM annual report pointed me to the Economic and Market Outlook). I'm going to post any thoughts that I have in this post, as I have them, and plan to come back and add to it as I continue reading, assuming there isn't a time limit for editing posts. P...
by segfault
Tue Mar 07, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's 2017 Economic and Market Outlook
Replies: 12
Views: 2914

Re: Vanguard 2017 Market Outlook

This appears to be a duplicate of lack_ey's earlier thread:
viewtopic.php?t=204872
by segfault
Mon Mar 06, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: A surprise raise
Replies: 10
Views: 1655

Re: A surprise raise

ofcmetz wrote:...8 of the last ten annual merit steps being canceled.
Thanks for your service. You have a lot of patience. I think I would have jumped ship after not seeing pay increases 8 out of 10 years.
by segfault
Sun Mar 05, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Anyone have a 2012-ish Chevy Tahoe/GMC Yukon
Replies: 5
Views: 851

Re: Anyone have a 2012-ish Chevy Tahoe/GMC Yukon

I picked up a very clean used, high-mileage Yukon Denali of that generation--mine was a 2008. I noticed the six-speed automatic transmission began slipping shortly after I bought it. One catalytic converter failed and I was beginning to get an intermittent check engine light for the other catalytic ...
by segfault
Sun Mar 05, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: should i payoff mortgage early?
Replies: 17
Views: 2490

Re: should i payoff mortgage early?

I honestly don't know anyone who has a paid-off mortgage who has expressed regret about it. Maybe the people who regret it are reluctant to admit their mistake? My last house, a family member carried the mortgage. I put every extra dollar towards paying it off ASAP because I wanted my family member...
by segfault
Wed Feb 22, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 9394

Re: Is 60/40 too conservative for 31 year old?

I'm a couple of years older and am using age in bonds until age 40. After age 40, I plan to hold a fixed 40% bond allocation. I'd look at the $500k saved and the $70k per year in savings as a percentage of your goal amount. E.g., if $500k is 50% of the goal amount, you have less need to take risk th...
by segfault
Tue Feb 14, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: BRK Annual Shareholder Meeting- is it worth going?
Replies: 20
Views: 2812

Re: BRK Annual Shareholder Meeting- is it worth going?

I live about a day and a half drive from Omaha and I've been twice. It's really convenient to stay downtown, but the hotels are probably booked up by now (and the hotels grossly inflate their prices the weekend of the meeting). As a result of the price gouging, Buffett threatened to move the meeting...
by segfault
Tue Feb 14, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 21875

Re: Sallie Mae Rewards MC being discontinued

SallieMae discontinued? Good riddance. I had a bad experience with their autopay function and cancelled the card years ago.
by segfault
Mon Feb 13, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2814

Re: Windshield repair gone wrong....

Replace with OE glass. I've had to replace windshields on most of the cars I've had. Not a big deal.
by segfault
Sun Jan 22, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 333
Views: 69145

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Interesting article on Investopedia. I think Zuckerberg owns one or more houses now. On a related note, I was watching Shark Tank the other day, and Mark Cuban shared an anecdote about how, after he sold Broadcast.com, he decided he needed some nice clothes. He went to a tailor and spent close to $1...
by segfault
Tue Jan 10, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 10880

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Were you able to doit online? I had to go into a branch and swelter in a no-privacy cubicle while the banker tried to upsell me a premium account and grilled me on my finances. Same here. The banker was nice but I was uncomfortable being grilled about how many other accounts I have at other institu...
by segfault
Tue Dec 20, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: More maintenance costs for expensive old house
Replies: 13
Views: 1514

Re: More maintenance costs for expensive old house

In many HCOL areas, prices have run up to the point it is more attractive to rent than to buy, or so I've heard.
by segfault
Mon Dec 19, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Which car paint option Maaco
Replies: 40
Views: 6550

Re: Which car paint option Maaco

This doesn't jibe with the conclusions you've come to, but with a 12 year old car, I would sell the car and buy a new or newer one. You will get better comfort and convenience features, improved crumple zones, side airbags, stability control, ABS, etc., which were uncommon on older vehicles.
by segfault
Wed Nov 23, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Company truck - Nissan Frontier vs. F-150
Replies: 19
Views: 2800

Re: Company truck - Nissan Frontier vs. F-150

Frontier feels old because it *is* old. I've driven an Xterra, which has the same powertrain and a similar interior, and there's nothing wrong with it, but it's outclassed by a new F-150, especially a loaded one. If you have to park in tight spaces or will be using a small garage, I'd consider the F...
by segfault
Sun Nov 20, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 58
Views: 13223

Re: Is Quicken Worth it?

I currently use Mint.com (just for my checking account and credit card) and a spreadsheet that I manually enter for all of my investments. I'd rather not have any passwords on a third party server so I'm thinking about switching to something like Quicken. I have a bunch of questions: 1. Do you use ...
by segfault
Sun Nov 20, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Ethernet Question
Replies: 12
Views: 2152

Re: Ethernet Question

I second the recommendation for powerline ethernet adapters, but they will not work well if the circuits they are connected to are protected by GFCIs. I recently had my electrician run an ethernet line from my upstairs to the basement, which involved running part of it down the side of the house, an...
by segfault
Thu Nov 17, 2016 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth it to harvest taxable a/c to shift earnings to 401k
Replies: 13
Views: 1349

Re: Is it worth it to harvest taxable a/c to shift earnings to 401k

livesoft wrote:Yes. I'm doing this.
Same here. I think it's a valid strategy. My earned income is low compared to the maximum 401k, IRA, and HSA contributions. If I receive no pay increases, I can still max out all of those accounts for several years by selling off taxable assets.
by segfault
Thu Nov 17, 2016 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Using an HSA for Canadian RX
Replies: 10
Views: 2258

Re: Using an HSA for Canadian RX

Not sure of the legalities, but given the savings, I'd probably try the mail order option and pay out of pocket without claiming HSA reimbursement.

No way would I deal with airfare, customs, etc., for a short trip to Canada four times a year.
by segfault
Mon Oct 31, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 8511

Re: Declining Service Expectations. Are there any excellent companies still out there?

Has anyone else noticed how good service has gotten in Target? Target has been better and cleaner than Walmart, for as long as I can remember. The 5% off debit/credit card is pretty great, too. The groceries aren't as fresh as a dedicated grocery store, but good enough that I can pick up most essen...
by segfault
Fri Oct 21, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 40
Views: 3634

Re: What iPhone podcast application do you use?

Pocket Casts is great. Apple really messed up the built-in podcast app with one of the iOS updates.
by segfault
Sun Oct 16, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 9262

Re: What podcasts do you listen to?

I'll put in another plug for the Pocket Cast app. Apple destroyed its podcast app in iOS 9 (I think), and I started using Pocket Casts instead. It has a couple of quirks, but it's nowhere near as bad as Apple's built-in app. That being said, the podcasts I like are: Hidden Brain Planet Money Surpris...
by segfault
Sat Oct 08, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Best car for night driving
Replies: 47
Views: 6374

Re: Best car for night driving

Second the recommendation for xenon/LED lights. The last VW I had with xenon lights lit the road extremely well with low beams, provided outstanding lighting with high beams, and also would turn the lights based upon the angle of the steering wheel. At low speeds, an additional 90-degree cornering l...
by segfault
Sat Oct 08, 2016 9:42 pm
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 10198

Re: Budget car advice; so so tired of the noise levels

As others have said, look into sound insulating the car.

Check the tires for a "sawtooth" wear pattern, which often creates a noise above 50 MPH or so. To even out wear, cross-rotate the tires every 6,000 miles or so.