Search found 378 matches

by Finridge
Fri Jul 20, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 119
Views: 11789

Re: Why not go 100% stocks?

Go the Warren Buffett route: 90% S & P 500; 10% bonds. Specifically 10% in "short-term government bonds" "My advice to the trustee could not be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.)" I think I read from...
by Finridge
Fri Jul 20, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 38
Views: 3136

Re: Need Your Feedback on 100% VTSAX

Hello, Thank you for all your answer to my questions during July 2017. After some research (bogleheads and JLCollins) and additional savings, I have decided to invest $55K in VTSAX (Admiral) over the course of the next three months. After that, I will be adding $1700 of monthly salary towards this ...
by Finridge
Fri Jul 13, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7327

Re: Be Careful Using Mailboxes

From the article: "The mail is mainly being stolen through a method known as “fishing,” where thieves attach objects dipped in a sticky substance to fishing line, drop them into USPS mailboxes, and pull out the envelopes inside. The crime tends to happen late at night, Harris noted."
by Finridge
Thu Jul 12, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 96231

Re: Pull-ups and Push-ups

Not "cheap" but one of the best purchases I've made... They have different models, some heavier and some lighter. (Lighter = less expensive.) A set of these and a pull-up bar - that is all you need. | https://www.amazon.com/PowerBlock-Elite-Dumbell-50-Pound-pair/dp/B00G7RHGNY/ref=lp_2598805011_1_2?s...
by Finridge
Thu Jul 12, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 6540

Re: Costco Membership

Don't get a Costco membership just for a one-time order of glasses. If you have a friend or family member who has a membership, see if they are OK taking you.
by Finridge
Thu Jul 12, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 64
Views: 7193

Re: Building a Pool

If you have young kids who love to swim, you will love having a pool. And then several short years later, they won't be so young anymore, and will be busy with homework, and friends and other interests--and you'll still be stuck maintaining the pool. They will be off in college, and you will be stuc...
by Finridge
Wed Jul 04, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 112
Views: 7603

Re: AAA? What to do in car emergencies?

AAA insures our 2 cars, travel trailer, and home. When is the last time you shopped around for insurance? I had AAA for years. But shopping around, I found that they are much more expensive then some of their competitors. I'm on GEICO now. If I had AAA, I'd be paying well over $1,000 more in premiu...
by Finridge
Fri Jun 29, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14723

Re: Did you celebrate when you finally hit $1m?

As others pointed out with market fluctuations being what they are, you can expect to cross these kinds of thresholds multiple times. Also, the typical progression when you start investing is that most of your invested net worth "number" is the hard cash you invested. But the longer you stay with it...
by Finridge
Fri Jun 29, 2018 3:06 am
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3851

Re: Best way to clean eyeglasses?

I use Costco cleaning kits. Like this. Except I get them at Costco. Costco gives free refills on the cleaner fluid.

https://www.amazon.com/Kirkland-Eyeglas ... B00Z2LAH1O
by Finridge
Wed Jun 27, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 5986

Re: So much angst

The target funds start out with a higher bond allocation than I would like and then get too bond-heavy approaching retirement and in retirement than I would like. I want better control of my asset allocation. For me, this is especially problematic in taxable accounts due to the tax consequences of s...
by Finridge
Mon Jun 25, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 2985

Re: Complain or Negative Review for Rip-off Plumber?

Be as a accurate and objective as possible. People have been sued for leaving negative reviews. Just in case, have documentation and possible photographs to backup what you write. While it's unlikely they would go after you, better to be prepared just in case. Yes, leave the review, but just state ...
by Finridge
Sun Jun 24, 2018 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3131

Re: Compliments for Vanguard?

No complaints. There are employees are human, and so not perfect, but provide consistently excellent service. Vanguard is one of the best companies I've worked with.
by Finridge
Sun Jun 24, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11724

Re: When did you start flying business class?

If you can afford it, and it's worthwhile to you, then go ahead with this. The point of BH investing is to have funds available to pay for the things in life that you value, or at least that's how I see it anyway. Also, I think that due to some people's health and physical condition, flying business...
by Finridge
Sun Jun 24, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 2273

Re: 4K Computer Monitors: 27 vs 32 inches?

I use a 40" Samsung 4K TV as a monitor on my Mac. I'm really pleased with the setup. At that size it's not a "retina" display, of course, but 110 pixels/inch is still pretty good. I think of it as equivalent to a seamless 2-by-2 tiling of four 20" HD monitors. The larger screen means I can simultan...
by Finridge
Sun Jun 24, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 2273

Re: 4K Computer Monitors: 27 vs 32 inches?

I am writing this using a 4K TV as a monitor. It is 43 inches and I am very happy with it. Is this 43 inch monitor positioned on a desk? How far are your eyes from the screen when you use it? Trying to imagine a 43 inch monitor on my desk. Do you have room for anything else on your desk? Right now ...
by Finridge
Fri Jun 22, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 2273

Re: 4K Computer Monitors: 27 vs 32 inches?

I am writing this using a 4K TV as a monitor. It is 43 inches and I am very happy with it. If you are getting a 4K display for use as a monitor, I would not go below 40 inches. At 24 or even 32 inches, I think the display will be too small to fully take advantage of your 4K capabilities. If I was do...
by Finridge
Mon Jun 18, 2018 2:32 am
Forum: Investing - Help with Personal Investments
Topic: Investment book recommendations?
Replies: 12
Views: 1093

Re: Investment book recommendations?

My favorites:

The Elements of Investing.

'The Boglehead's Guide to Investing.

A Random Walk Down Wall Street.

The Four Pillars of Investing.
by Finridge
Sat Jun 16, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7368

Re: Boring Job

To the OP and others who are in similar situations, you MUST ask for more work. Ask the direct manager, then ask him/her again, and then again. If that doesn't work, start asking co-workers if there is anything you can do to help them out. Sure you could ruffle feathers, but you could also make fri...
by Finridge
Sat Jun 16, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7368

Re: Boring Job

Okay everyone looking for some advice. Just graduated from college a few months back and landed my first job. At first I was really enjoying the job and excited to go to work but now I have been assigned to a task that only takes about 2 hours of actual work per day. I come from a job where I could...
by Finridge
Thu Jun 14, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16704

Re: Should I take possession of a certified mail?

I agree with the general sentiment that I'd sign for a letter if it came to me (I do not, however, know that I'd go to the post office just to have the pleasure of hearing from a frustrated person). But I disagree that acceptance of such a letter is legally irrelevant. Due process requires effectiv...
by Finridge
Thu Jun 14, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16704

Re: Should I take possession of a certified mail?

I can't believe some people here would refuse to accept a certified letter. One of the ressons previously stated is that the sender is attempting to establish a paper trail. Does anyone here really believe that refusal would serve to disrupt the paper trail? Refusal would be a significant disadvant...
by Finridge
Wed Jun 13, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13692

Re: Best Advice You Never Took

"You know nothing, Jon Snow." - They didn't use those exact words of course--but this was hinted at from time to time, in various ways, some more explicit than others. It took me awhile to realize that this is correct...
by Finridge
Wed Jun 13, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5933

Re: Anyone with a paid off house drop homeowners insurance

Keep homeowner's insurance, but shop around for the best deal. Also go with the highest deductible that they will allow. This will considerably reduce your costs.
by Finridge
Wed Jun 13, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16704

Re: Should I take possession of a certified mail?

I can't believe some people here would refuse to accept a certified letter. One of the ressons previously stated is that the sender is attempting to establish a paper trail. Does anyone here really believe that refusal would serve to disrupt the paper trail? Refusal would be a significant disadvant...
by Finridge
Wed Jun 13, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 12092

Re: To be or not to be complex, that is the question

I agree that the complications provided by complexity often outweigh their perceived advantages. Simpler is usually better. But I don't see simplicity as an end in itself. If my portfolio was liquidated and I was able to rebuild it from scratch, it would all be in a simple 3-fund portfolio. But my n...
by Finridge
Wed Jun 13, 2018 2:26 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16704

Re: Should I take possession of a certified mail?

I would not sign for the certified letter. As someone noted, he's trying (for whatever reason) to create a paper trail. This is something he is doing to use against you. Why cooperate in this?

Also, I would cut off all contact.
by Finridge
Wed Jun 13, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 25137

Re: Documentaries to recommend?

The Fog of War (2003): The entire documentary is an interview with Robert McNamara. I learned more history in this one film than in whole classes in college. +1000. I watched the movie in the theater and on Amazon Prime. I didn't live through that time but I was mesmerized by Robert's telling of it...
by Finridge
Wed Jun 13, 2018 12:42 am
Forum: Investing - Theory, News & General
Topic: Why does CAPM make sense?
Replies: 23
Views: 1127

Re: Why does CAPM make sense?

I don't think most people on this forum are familiar with or refer to CAPM formula--it's not typically discussed in the "Boglehead" books. Nor is any familiarity necessary for Boglehead investing. I would submit that knowing it isn't even useful, because it does not predict the future. That said, af...
by Finridge
Tue Jun 12, 2018 1:53 am
Forum: Personal Consumer Issues
Topic: Recommendation for good charging station to charge phones, tablets
Replies: 11
Views: 717

Re: Recommendation for good charging station to charge phones, tablets

I have and like this Anker 5-port USB charger. $24 on Amazon. https://www.amazon.com/gp/product/B00VH958F0/ Edit: But looking now at the Satechi station that TimDix recommends. Looks pretty good. I like how it provides a place to put your devices in an organized manner. If I were doing it over, I'd ...
by Finridge
Tue Jun 12, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 1998

Re: 2018 RAV 4 or Camry

This is why I don't have a 2018 RAV 4: "The RAV4 rated Good in the driver-side test, left, and Poor in the passenger-side test." https://www.nytimes.com/2017/12/07/busi ... picks.html

I heard they worked on fixing this in the 2019 RAV 4 which will be released in a few months.
by Finridge
Fri Jun 08, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -- looking for advice
Replies: 56
Views: 6721

Re: Large inheritance -- looking for advice

I'd sell ALL the stocks as soon as possible and not attach any sentimental value to them. The ones in a taxable account: Get them gone before any of the capital gains get bigger. Clearly, you know enough to tell which stocks are US and which are foreign, so you can figure out the current asset allo...
by Finridge
Tue May 29, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 36
Views: 4289

Re: Quality decline in off-brand alkaline batteries?

Normally I love Costco and their in-house branded products (Kirkland). However, I've had serious problems with their batteries and have ceased purchasing them entirely. Maybe I got a bad few batches because everyone else in this thread seems to have had good luck with them. My problem is not with t...
by Finridge
Thu May 24, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 2470

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

It does bother me that GEICO would have both my auto insurance and provide roadside assistance and that some incidents might end up in my insurance record that I'd rather they not know about.
by Finridge
Thu May 24, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 24206

Re: Do people still use AAA?

For just getting from Point A to Point B, Google Maps is fine--in fact it's much superior to paper maps for that purpose. I never use paper maps for this purpose anymore. As pointed out above, you can download maps to your phone if you think you will be out of cell reception. You can also download m...
by Finridge
Tue May 22, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 2470

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

In OP's case, I would be tempted to go with GEICO (save $129/yr) and plan to pay the additional charge to have my vehicle towed beyond the "nearest repair shop" to get it to my preferred repair shop. It's only money. (OP should check with GEICO that this is acceptable... GEICO pays for the hookup a...
by Finridge
Tue May 22, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 30
Views: 2470

AAA vs. GEICO for Roadside Assistance--Help Me Decide!

So my AAA Plus (roadside service) membership is renewal bill is due in three days. Is is $129 for a year, and allows tows of up to 100 miles per incident. But a few months ago, we started using GEICO auto insurance, and they provide roadside assistance for no additional cost. We've been buying the A...
by Finridge
Tue May 08, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6426

Re: How much car to buy on $250K income, $200K NW, newborn on the way

The cars we think we might need (or want) range from a $5,000 10+ year old wagon to a brand new $50,000 Lexus SUV... we wonder if putting 2.5% of our NW instead of 25% into a depreciating asset is a good idea... we thought it would be a better measure to plot it against NW rather than HI... We are ...
by Finridge
Tue May 08, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6809

Re: Resignation letter

If this boss is/was abusive to her, that it would make it an easy decision for me. Likewise if this employer has laid people off without giving them severance. But even there consider the liklihood that you will need them to give a good reference in the future. While, after reading through additiona...
by Finridge
Tue May 08, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6809

Re: Resignation letter

"At will" means the employment contract can be ended at any time and for any reason by either party. Legally, there is no requirement to give two weeks notice. The "policy" is thus contradicting this and is unlikely a legal document. If the employer would not pay the unused vacation, the employer c...
by Finridge
Tue May 08, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1188

Re: annualcreditreport

This year I calendared getting one report form each agency every four months. But when I tried to order my Equifax report, they cited some unspecified issue, and said that I had to fill out a paper form and mail it in--that was a month ago, and I never got around to it. So it threw my whole system o...
by Finridge
Tue May 08, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4879

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Certainly those residents of Estonia who had foreign accounts were very happy about that when Russian cyber-attacks took down their banking system. In arguments, this is the fallacy of moving the goalpost. There's a vast difference between not being able temporarily to login online to your bank acc...
by Finridge
Tue May 08, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4879

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

We're not used to it here in the U.S.-- it's a weird and foreign (pun intended) concept to most of us. But it's not all that uncommon in the rest of the world for a country to forbid money to be moved out of the country. Quite a few countries have imposed constraints on moving money beyond their bor...
by Finridge
Tue May 08, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4879

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

I think it does make sense, if it can be done in a cost effective way and without too much convenience. It's a form of diversification, just like owning shares in the Total International Stock Market Index Fund. If I knew off an easy and convenient way to have an investment account as an American i...
by Finridge
Tue May 08, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4879

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

I think it does make sense, if it can be done in a cost effective way and without too much convenience. It's a form of diversification, just like owning shares in the Total International Stock Market Index Fund. If I knew off an easy and convenient way to have an investment account as an American in...
by Finridge
Mon May 07, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Switching Apple Mac Mini to Solid State Drive?
Replies: 15
Views: 1113

Re: Switching Apple Mac Mini to Solid State Drive?

Your Mac Mini is 10 years old? That would mean you probably have a Mid 2007 model. I would not waste any time or money in installing a SSD. In car years, a 10-year computer would be something like 30-40 years old, or more. A more current model will be exponentially better. Unless keeping antique com...
by Finridge
Wed May 02, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 316
Views: 49004

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The Honda CRV was at the top of my list when I first saw this thread. I did some reading about it, and now it's not on the list at all. Just as troublesome as the problem itself is Honda's failure to deal with it. Initially I was thinking Toyota as the obvious alternative, but perhaps the Acura RDX...
by Finridge
Sat Apr 21, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 316
Views: 49004

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Honda better do something..I have crossed the CR-v off my list. It's off my list too. Have a couple of relatives who are looking and I've told them about the issue and neither is considering the CRV anymore. I'll probably be looking too in about a year, so hopefully they've resolve the issue by the...
by Finridge
Wed Apr 18, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11883

Re: Quitting job - what to do if getting walked to the door

Remember that COBRA gives you a kind of grace period. Subject to the deadline, you can elect to be covered retroactively. I have used this to "cover" the gap between employers. I had a completed COBRA application that I gave to someone I trusted with instructions to make sure that it got sent in if ...
by Finridge
Thu Apr 12, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis/Tax ?s for inherited mutual funds
Replies: 15
Views: 861

Re: Cost Basis/Tax ?s for inherited mutual funds

Was the Inherited IRA traditional or Roth?