Search found 262 matches

by tooluser
Sun Nov 11, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 67
Views: 8795

Re: cvt transmissions

Has anybody noticed that they get less engine breaking with a CVT when they take their foot off the accelerator pedal? No. In fact that's a good point -- mine felt most times like it intuitively knew how to go downhill at a proper rate. I should add that I had variable select, so I could select "ge...
by tooluser
Sun Nov 11, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 67
Views: 8795

Re: cvt transmissions

I had a 2008 Altima with a CVT. Loved it and never had a problem, though apparently on a fleet-wide basis its reliability was problematical and it had a warranty extension as a result. Occasionally it would accelerate a little when one took their foot off the accelerator, which resulted in about a q...
by tooluser
Sun Nov 11, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2303
Views: 1454852

Re: The Three-Fund Portfolio

Create the three-fund portfolio from the investment options offered by my employer - should be simple enough? Maybe not. My employer recently made major changes in the retirement plans. I post this hoping someone in a similar position may learn something from it. In our new plan, there is no total U...
by tooluser
Sat Nov 10, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax: online vs download
Replies: 10
Views: 1355

Re: TurboTax: online vs download

I've been using TT on CD for years now. I have never seriously contemplated going to the online version because I am always disappointed with online versions of anything that is available offline. Google Docs? No thank you. Same goes for full internet version of anything compared to a phone app. I w...
by tooluser
Thu Nov 08, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 83
Views: 5892

Re: Too many choices for my next TRUCK

You may wish to read these internet articles: http://blog.dilbert.com/2016/07/13/how-not-to-buy-a-chevy-truck/ https://en.wikipedia.org/wiki/Confusopoly They reflect my own experience as well, and I intend no slight towards Chevrolet or any other brand. I suggest having a spreadsheet that compares y...
by tooluser
Tue Nov 06, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7413

Re: Never thought of living in Bay Area but just got a call from Tesla

Head, heart, gut. You are a lucky person if you can get all three to agree. Every person's weighting among the three is different. I've backed out of job offers for each of the three. The gut one was very interesting. Does it make sense financially and for your desired lifestyle? Will you be spiritu...
by tooluser
Tue Oct 23, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4006

Re: Coffee grinder

I only make coffee from whole beans if I am staying home in the morning. No time if I am going into work or somewhere else. The problem with a burr grinder is that they are difficult to clean thoroughly, and the bean residue goes "off" after just a couple of days of non-use, imparting a bad flavor t...
by tooluser
Sun Oct 21, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16816

Re: Where would you go for financial guidance if you win the Megamillions?

Shackleton wrote:
Sat Oct 20, 2018 9:27 am
I would hire Klangfool and run every purchase or investment past him just to keep me cognizant of what could happen if the excrement hits the airflow device.
Now that's some Ernest advice!
by tooluser
Tue Oct 16, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11288

Re: What do you consider 'enough'?

My rules of thumb: While working: Divide salary as 1/3 to savings & investments, 1/3 to taxes, 1/3 to live on. More income is always better, financially speaking, so there is no overall Enough while you are working. The 1/3's are approximate. You can save more proportionally in a low tax area or whe...
by tooluser
Fri Oct 12, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: whats the consensus on muni % allocation
Replies: 9
Views: 1245

Re: whats the consensus on muni % allocation

If a fund does not contain at least 50% CA bonds by value, it does not qualify for exclusion from CA state taxes. I live in California, and when I last ran the numbers I could get a better return in my taxable account from a national muni bond fund than from a CA-specific fund, even without the stat...
by tooluser
Thu Oct 11, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7289

Re: My life saved by New subaru. Almost died.

I would have bought the same car a couple of years ago, but it was just a little too small for me.
Best defense in driving is to be where there are no other cars.
by tooluser
Thu Oct 11, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8384

Re: What did you buy today

Knockoff dayquil and nyquil, knockoff 12 hour sudafed, bananas, and some whiskey. All for medicinal purposes. Flu season has begun. :( Already had lemon, honey, yogurt, rice, bread for toast, and garlic. A can of chicken soup somewhere. I did see that there was some movement in the stock and bond m...
by tooluser
Thu Oct 11, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 55
Views: 8520

Re: Simplisafe Home Security System

The SimpliSafe system has gone onto a new version (SS3) since my original post. I upgraded due to them offering a substantial discount for existing customers, and also for the new features, and am still happy with it. The new system has encrypted comm between all devices, has both cellular and wifi ...
by tooluser
Wed Oct 10, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8384

Re: What did you buy today

Knockoff dayquil and nyquil, knockoff 12 hour sudafed, bananas, and some whiskey. All for medicinal purposes. Flu season has begun. :( Already had lemon, honey, yogurt, rice, bread for toast, and garlic. A can of chicken soup somewhere. I did see that there was some movement in the stock and bond ma...
by tooluser
Sat Oct 06, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Doubling down on EM [Emerging Market]
Replies: 55
Views: 5889

Re: Doubling down on EM

Emerging markets makes up 10% of my 10-speed portfolio. I'll rebalance towards 10% as necessary the next time I rebalance.
by tooluser
Tue Oct 02, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: not married in community property state
Replies: 9
Views: 1034

Re: not married in community property state

Sounds like the perfect time to hire a divorce lawyer, or a new one.
by tooluser
Sat Sep 29, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4499

Re: Experience With No Car? (Uber/Lyft)

How do you get out of town in a disaster or riot? Or on a whim or last minute's notice for some great opportunity 200 miles outside of town? That may not be a deciding factor in ditching the car, but giving up one's freedom for dependency on others has its downsides too. Just saying: realistically c...
by tooluser
Sat Sep 29, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14989

Re: Should we stay in Crazytown because there's no where to run?

What precisely are you worried is going to happen? Lay out some scenarios and see their effect, and what you might change to avoid the worst. That is prudent planning. If you can't foresee the details, then perhaps there is no reasonable avoidance scheme, or you need more information. Your gut feel ...
by tooluser
Sat Sep 22, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: New Type of Home "Loan"
Replies: 9
Views: 1046

Re: New Type of Home "Loan"

I received a similar mailer a month or two back. I was tempted to post here. I recall it was from a California company that had been in business since the 1960s. It seemed to me that the 3.9% fee made it certain they would profit today, while my gains in the future would be much less certain, and ce...
by tooluser
Sun Sep 16, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11558

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

Here is a sobering (interactive) graph of the relative risk of running out of money versus running out of life (see the "wedge of death" in the link below). I need to revisit this data frequently to maintain the proper perspective. http://engaging-data.com/will-money-last-retire-early/ Hadn't seen ...
by tooluser
Sun Sep 16, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: New Job 1 year 401k wait, advice?
Replies: 12
Views: 1438

Re: New Job 1 year 401k wait, advice?

Yes all things considered the new job is going to be a significantly better fit. I am not second-guessing that. I was just wondering what options I had with the bit surprising 401k lockout. With only half going to 401k I am used to and probably another $11,000 not going to ROTH, I am considered jus...
by tooluser
Sat Sep 15, 2018 1:10 am
Forum: Investing - Help with Personal Investments
Topic: New Job 1 year 401k wait, advice?
Replies: 12
Views: 1438

Re: New Job 1 year 401k wait, advice?

adam61 wrote:
Sat Sep 15, 2018 12:51 am
I start in October and will be able to get about 4K-5k in there. They also have a 20% max contribution of course!
You're still better off with a good or better job than with a worse job or no job...
by tooluser
Sat Sep 15, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11558

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

Every month on the corporate website my company lists the current and former employees who have died. They used to list the age at which they died, but stopped doing that several year ago (so these days I have no idea how old they were). Reading this is both a sobering and instructive experience. A ...
by tooluser
Sat Sep 15, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4050

Re: How often do you guys get alignment done on your cars?

Only if I replace a suspension component (tie rod end, etc.) or when I see uneven tire wear. I do never done it on a scheduled basis. this. That or if the car doesn't drive straight I agree. New tires or you notice a drift. For me, I usually get 20-30k miles out of an alignment. Also, do not get yo...
by tooluser
Sat Sep 15, 2018 12:06 am
Forum: Investing - Help with Personal Investments
Topic: New Job 1 year 401k wait, advice?
Replies: 12
Views: 1438

Re: New Job 1 year 401k wait, advice?

Your new employer is not very kind or wise, perhaps behind the times. They let bureaucracy stand in the way of their employees' well-being. So sad, and so common these days. It's not 2009 anymore. Everybody needs to wake up and understand that with very low unemployment, the employers need to make s...
by tooluser
Fri Sep 14, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: how to get out of a company 401k
Replies: 5
Views: 587

Re: how to get out of a company 401k

My wife was recently terminated and then re-hired a few months later without her knowledge (it's a long story). She pays $1000/year in adminstrative fees to her company's 401k custodian, and we'd love to rollover her money to Fidelity where there would be minimal fees. Had she known she had been te...
by tooluser
Fri Aug 31, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2300

Re: Installing a new toilet - shut off valve and wax ring

I have a yearly recurring appointment on my calendar to go around the house and wiggle all the shutoff valves so they don't corrode in place.
Everywhere I've put in a quarter turn ball valve, including the house main and hose bibs, has worked out wonderfully. Love them!
by tooluser
Thu Aug 30, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8589

Re: Mega Downsize....

You're also accurate in that we're both impulsive people, which is one of the reasons it's good to act on this now. Striking while the iron is hot! Many people believe that the theory of evolution states that things evolve gradually. In fact, it states the exact opposite: Punctuated equilibrium (su...
by tooluser
Wed Aug 29, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4549

Re: Chipotle question

Am I the only one who finds these Chipotle threads unappetizing? With apologies for yucking on anyone's yum: No. Can't stand the place. Bad atmosphere, bad food, bad ordering process. I hate the uncomfortable, noisy atmosphere. Like eating in the production area of a steel factory. I've only eaten ...
by tooluser
Thu Aug 09, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Have you rebalanced to bonds this year?
Replies: 25
Views: 2311

Re: Have you rebalanced to bonds this year?

Yes, but not because of the market movement. My IPS has me on a glideslope of 2% less stocks/more bonds each year until I reach a target age. I make the change approximately 6 months before my birthday. I may or may not check the allocation percentages leading up to the next adjustment period; it's ...
by tooluser
Thu Aug 02, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4537

Re: Gated communities pros and cons? (Atlanta or anywhere.)

My experience: Most crimes are inside jobs - cleaning staff or security. The primary job of the community-hired professionals and your neighbors is to make sure your money works for them. There will definitely be some professional cons who dishonestly seek to make their lives better with your money....
by tooluser
Sun Jul 29, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 11335

Re: An argument against self-insuring for long-term care

At what levels of income is LTCI a moot point? Let's say I expect to be able to generate $450 x 365 days = $164,250 a year in income. (Not that that's my number.) From what I have read, average skilled nursing care in a decent facility costs $250-$350 a day. That would seem to make the point moot fo...
by tooluser
Fri Jul 20, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 2201

Re: California Homeowners - Do you have earthquake insurance?

No. I just went through my almost annual exercise of determining whether it's worth it to me. It never is. 1) It's an extremely unlikely event for where I live in Los Angeles. We've had big earthquakes, but there is never any extensive damage for my area . Nevertheless, that's why one gets insuranc...
by tooluser
Thu Jul 19, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 2201

Re: California Homeowners - Do you have earthquake insurance?

No. I just went through my almost annual exercise of determining whether it's worth it to me. It never is. 1) It's an extremely unlikely event for where I live in Los Angeles. We've had big earthquakes, but there is never any extensive damage for my area . Nevertheless, that's why one gets insuranc...
by tooluser
Mon Jul 16, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 2201

Re: California Homeowners - Do you have earthquake insurance?

No. I just went through my almost annual exercise of determining whether it's worth it to me. It never is. 1) It's an extremely unlikely event for where I live in Los Angeles. We've had big earthquakes, but there is never any extensive damage for my area. Nevertheless, that's why one gets insurance ...
by tooluser
Mon Jul 16, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3232

Re: Would you pay $120 for a 5 year dishwasher warranty?

I bought this dishwasher today: https://www.whirlpool.com/kitchen/dishwasher-and-cleaning/dishwashers/built-in-hidden-control-console/p.dishwasher-with-fan-dry.wdt730pahz.html and decided to buy the 5 year warranty for $120 Any thoughts? Yes, and I did last year. Looking up the failure rates of dis...
by tooluser
Sat Jul 07, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5555

Re: Every Other Friday Off

Plan something, anything. It makes it feel like the day was well and intentionally used.

I especially enjoy looking 3-9 months out and planning a few 3-day weekends of travel. Something to look forward to, and back on.
by tooluser
Tue Jul 03, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 23888

Re: Vanguard to offer non-Vanguard ETFs commission-free

Totally agree, but the messaging is clear, they are putting the heat on the other brokerages to lower trading costs. The more I think about it, this brings the potential for more AUM in the ETF for Vanguard via other brokerages as net buying of ETFs grow the asset base in addition to adding to thei...
by tooluser
Tue Jul 03, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 23888

Re: Vanguard expanding list of commission-free ETFs August 2018

whodidntante wrote:
Mon Jul 02, 2018 10:20 pm
Look harder, because there is discussion on this.
Nope. There were no threads in the front page nor any hits on the Google search when I started my thread. Local server dysphoria I guess. Perils of the west coast or my ISP.

Now on with the show...
by tooluser
Mon Jul 02, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 23888

Vanguard expanding list of commission-free ETFs August 2018

Haven't seen any discussion on this: Coming in August: The largest commission-free ETF lineup offered to investors https://investornews.vanguard/coming-in-august-the-largest-commission-free-etf-lineup-offered-to-investors/ “Vanguard wants to be the premier provider for long-term investors who want t...
by tooluser
Thu Jun 28, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 4279

Re: Best way to clean eyeglasses?

Extra difficulty: How to avoid the growth of mold or corrosion inside the nose pieces of wire frames? :confused
(I'm pretty sure I can get them replaced for free at Costco, but would like to avoid anyway.)
by tooluser
Sun Jun 24, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 22084

Re: Can you retire on $2M?

As of 2015, more than half the US income tax returns report an Adjusted Gross Income (AGI) of less than $40,000. https://www.irs.gov/statistics/soi-tax-stats-individual-statistical-tables-by-size-of-adjusted-gross-income AGI is not the same as spending, and not everyone who files is self-sufficient,...
by tooluser
Sat Jun 23, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2924

Re: Cheap simple tablets?

Very happy with my Amazon Fire tablets. I started with the Fire 7 and later upgraded to the Fire HD 10. The 7 was a bit slow, and has a smaller, lower resolution screen. Although they come loaded with software aimed at the Amazon universe, they are fully functional as-is since they have wifi, a web ...
by tooluser
Sat Jun 23, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12880

Re: When did you start flying business class?

I started flying exclusively in business or first class in 1999. I am a giant and could no longer fit in the seats when they started making everything smaller. For personal travel I budget the cost in. For business travel I have worked with my company to get approval, and it is considered a "medical...
by tooluser
Sat Jun 23, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 22084

Re: Can you retire on $2M?

$2M retirement is do-able at any age. What kind of life do you want to live? If you stay out of the big metropolitan areas, life is generally cheaper. It is also a different life. I'm always non-plussed that it's easy to find places in the USA that have twice the average cost of living, and very dif...
by tooluser
Sun Jun 17, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4494

Re: "Money Talk" Radio Program with Bob Brinker

I learned some good things from him long ago when his radio show was on where I live. My original "portfolio" (rather than a bunch of random crud I started myself) was his 90/10 active/passive portfolio at Vanguard. I never put any more money into it than my original investment, nor have I rebalance...
by tooluser
Tue Jun 05, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 9267

Re: Don't make the mistake I made (Telemarketing hell)

blevine wrote:
Tue Jun 05, 2018 9:14 pm
Looking into Jolly Roger Tel Co. Search for it
There's a bee on my arm! :P
The guy who started it used to program automated voicemail systems for a living.

nomorobo has worked for me, blocking about 95% of the spam calls (I sometimes compare my phone provider log to the nomorobo log).
by tooluser
Sun Jun 03, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4525

Re: steel cut oats in bulk

VictoriaF wrote:
Sun Jun 03, 2018 11:40 am
I am curious if others have experimented with uncooked oats.
Victoria
See here:
https://en.m.wikipedia.org/wiki/Muesli
by tooluser
Sat Jun 02, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6996

Re: Need advice on 1st international vacation

The smartphone is your best friend. Make sure you will have one that works on the local phone network, and that you have a Browser, Maps, and Translate apps installed. Awesome planning, execution, and recovery tools. If your credit and ATM cards work, and you have your passport, almost everything el...
by tooluser
Sun Apr 22, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 11408

Re: Boglehead Philosophy Open To Change?

I've always thought that smart investing isn't complicated (witness the Boglehead philosophy above), but it's often difficult for mortals to successfully execute because 1) Of shiny objects forever sailing by (hot sectors, investment "gurus", red hot active funds, etc.) 2) Of economic downdrafts (w...