Search found 69 matches

by CokeSlurpee711
Thu Nov 09, 2023 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: E*Trade as a one stop shop
Replies: 98
Views: 12151

Re: E*Trade as a one stop shop

Just received an e-mail from E*Trade, "Your Checking account now earns 1.50% APY" They also have a Max Rate Checking product that is 3.0% APY. Seems impressive to me for a mega broker bank checking product.
by CokeSlurpee711
Tue Nov 26, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Michelin vs Toyota tires for Corolla?
Replies: 35
Views: 5302

Re: Michelin vs Toyota tires for Corolla?

IMHO Michelin is the Tide laundry detergent of tires. I like any large fairly household name brand of tires, my father its got to be Michelin. Not a Toyota, but I am rocking Michelins on my Mazda 3 (they weren't much more expensive than competitors which wasn't the case when I drove a pickup).
by CokeSlurpee711
Mon Aug 05, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in free fall

Just have to chime to say in addition to Carlos Danger & others I got a good LOL at the technical analysis bearish wedge chart above. I think there could be a faint there there to some TA (more in day or swing trades), I incorporate some in to my "funny money" bucket. Like some of the TA books/blogs I've skimmed things do tend to happen in a patterns (like boglehead style investing always working out well in the long run :sharebeer ). To counter the bearing wedge TA theory, could just as easily predict we're going to get a bounce near the late May early June low (which I thought was funny to use physical terms like bounce & momentum to graph of price charts). We'll see.
by CokeSlurpee711
Tue Jul 30, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 204
Views: 47688

Re: Best cash-back credit card right now?

SIAP, I was unaware of the 3% first year Chase Freedom Unlimited card. I'm a FrugalProfessor BoA disciple, but my DW currently lacks any Chase cards of her own so I am heavily considering picking one of those up to use for a year then sock drawer.
by CokeSlurpee711
Tue Apr 09, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 9266

Re: How Much Do You Pay For Haircut?

$0. Self Flowbee + Wahl for back of neck via my beautiful wife.
by CokeSlurpee711
Mon Apr 01, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 7203
Views: 1421798

Re: What's Your Credit Card Rewards Strategy?

Anyone else taking advantage of 0% APRs for purchases / balance transfers? I am putting all my spend on these types of cards and investing the proceeds.I plan to keep rolling this debt over at 0%. Of course you need to have a big enough portfolio so that you can always pay off the balance. This is way better than margin loans for many reasons: *You are borrowing below the risk free rate, so could lock in small risk free profits by buying treasuries *If you invest in risk assets it is superior to margin loans because the debt is non-callable Been doing this for a few years (similar strategy to yours but originally geared toward eliminating higher interest debt). I've been using Chase, Discover, Capital One & Citi as they've routinely of...
by CokeSlurpee711
Thu Mar 28, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 3305

Re: What golf ball do you use?

As long as I'm a double digit handicap, anything not hard as a rock and in too rough a shape. If I could get to single digit, those Vice & Kirkland golf balls look interesting.
by CokeSlurpee711
Fri Feb 15, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: High Mileage Car
Replies: 24
Views: 3281

Re: High Mileage Car

Without more financial information, I'd lean do the maintenance. I have a 2010 Mazda 3 approaching 80K & getting 200K is absolutely a goal. If you've plenty of money I might consider a modest upgrade for safety features sake.
by CokeSlurpee711
Fri Feb 01, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Insurance Advice Request
Replies: 3
Views: 297

Re: Healthcare Insurance Advice Request

You have health insurance (family) and the premiums and deductibles went up. Is your plan considered a High Deductible Health Plan (HDHP) and does it have an Health Savings Account (HSA) component? Hard to follow, but downgrading your plan might have been a mistake. You might lower the premiums and pay more out of pocket or have larger co-pays. ACA won't be an option because you have health insurance provided by your employer. Your deductibles do not seem that far out of line. My megacorp has $6,250 as the Family deductible. Anything not considered preventative comes out of our pocket or HSA. This is a different world from the PPO days where we never paid a cent. Do you only have one option at work? Is there a PPO and an HDHP with HSA plan...
by CokeSlurpee711
Fri Feb 01, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Insurance Advice Request
Replies: 3
Views: 297

Healthcare Insurance Advice Request

Hi all, I am looking for BH’s wisdom on health insurance. I’ll try to keep this as short as possible, but happy to provide any details if need be to come to a better decision. Family of 4, my wife & I both 32 both in good shape (wife is a SAHM & way better shape than me; I need to step it up) two healthy children 4 & 1. No preexisting conditions (I know that term kind of has a specific meaning in health circles, I mean neither has diabetes or takes a prescription each month, don't/never smoked), not planning on having any more children at this time (i.e. next 12 months if ever). 12% tax bracket. I’ll try to give you a snapshot of me, I proudly drive a beautifully previously garage kept ’10 Mazda 3 w ~72K mi. I inherited from lat...
by CokeSlurpee711
Wed Dec 26, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in free fall

willthrill81 wrote: Wed Dec 26, 2018 2:27 pm It looks like gravity reversed today. I believe that if the current gains hold, today will be the biggest up day of 2018.
Gravity reversal or a dead cat bounce perhaps.
by CokeSlurpee711
Wed Dec 05, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in freefall

Welp so much for an orderly pullback or consolidation. Santa Claus rally in jeopardy.
by CokeSlurpee711
Tue Nov 20, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in freefall

From the active types I follow this shortened Thanksgiving week is usually a given green week. I'm reevaluating my personal permabull "bounce in to year end" hypothesis. QID & SSG really breakout, I'll start to think about buying the VTI dip. Ugly VTI chart, looks ready to smash downward, we'll see.
by CokeSlurpee711
Fri Oct 26, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in freefall

:( I am out of my monthly commission free trades. In & out ETF trading returns 11/1/18. Volatility puts the "fun" in funny money. My way of embracing the down moves. Cancelling my $VTI limit buy $130, how's that for cheap? On the surface this seems to be lingering longer than what we saw in February & March, but stuff like SOXX & XLF looks way worse off...
by CokeSlurpee711
Tue Oct 23, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 100
Views: 19335

Re: Six stocks make up 98% of S&P 500 gains in 2018

willthrill81 wrote: Fri Jul 13, 2018 9:19 pm

I haven't seen a study about it, but I've heard Meb Faber say that based on data from global markets, the firm with the highest market cap in a cap-weighted index tends to underperform that index significantly going forward.

What you suggest is more or less an argument in favor of the 'incumbents' curse', a long-standing but now controversial theory.
I like Meb. Praises Bogle while disagreeing to large extent. I’ve and heard him say “anything but market cap” and call market cap “suboptimal” but never read anything from him that has me wanting to move away from a core of VTI...
by CokeSlurpee711
Mon Jul 30, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a trustee
Replies: 46
Views: 4890

Re: Choosing a trustee

Short of having copious amounts of trustworthy blood relatives. It seems extremely nauseating. It seems like the corporate entity trustee always has control to make tons of money for themselves, no way to lock in to this 2 or 3 fund portfolio, jerk.
by CokeSlurpee711
Wed Jul 11, 2018 10:11 am
Forum: Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 81
Views: 36386

Re: Fidelity charges to close accounts!

Moved all but $0.01 of a small IRA out of Fidelity. Sticking it to the man!
by CokeSlurpee711
Mon Apr 02, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in freefall

$VTI limit order $130 ready to go. Everybody panic, this time is different.
by CokeSlurpee711
Wed Mar 28, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 138
Views: 17943

Re: Is technical analysis all smoke and mirrors?

I think there may be something there, but strictly reserved in the 5-10% "funny money" portion. Like the idea of incorporating it with other analysis like fundamentals, but do think there's value in technical analysis as far as support and resistance to determine good entry/exit points.
by CokeSlurpee711
Thu Mar 22, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 11541

Re: Maybe Ramsey is right

I've listened to a ton of Dave Ramsey, mostly 10+ years ago when I had lengthier commutes. He is a marginal net positive infotainer imo. People who are absolutely abysmal at finance (not most people who read Bogleheads) do really benefit from him imho. Him pumping: living on less than you make and a budget etc. are where he should be commended. He veers quickly in to the abhorrent with his investing advice, constant selling and I can't stand his callers who refer to his for profit business as a "ministry" but that's just me.

I prefer Clark Howard of the financial infotainers. He provides actionable information i.e. here's a specific, product, service, step to take to save a buck or two.
by CokeSlurpee711
Tue Mar 20, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in freefall

Bummed I missed the quarterly $FB sale (so far). My limit order of $FB 170 just sitting there. (My play money portion, all about index funds)... Yep $FB is doomed... just like last time (& next). Will cautiously await amazon's demise and sale price as well... Surprisingly, FB is looking vulnerable on user demographics, consumer attitude and usage and legal/regulatory issues right now. It could blow over, or it could be the beginning of some serious pushback on the Company..... I think the tech / data collection business is about to run into some serious headwinds right now. It is leaking in to general knowledge the amount of info being collected and how it is being exploited.... I think the business is at a turning point. (My 20s kids ...
by CokeSlurpee711
Mon Mar 19, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in freefall

Bummed I missed the quarterly $FB sale (so far). My limit order of $FB 170 just sitting there. (My play money portion, all about index funds)... Yep $FB is doomed... just like last time (& next). Will cautiously await amazon's demise and sale price as well...
by CokeSlurpee711
Wed Feb 28, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 10543

Re: Dealership oil change worth it?

Generally I'd say "no" dealership oil change being worth it, but this is very much YMMW (no pun intended). With the proliferation of online reviews, it's on us as consumers to review places and slam egregious attempted upsells.
by CokeSlurpee711
Wed Feb 28, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Cell Carrier Switch Advice From AT&T To?
Replies: 9
Views: 813

Cell Carrier Switch Advice From AT&T To?

I know, another cell thread. :-( I'm trying to switch cell phone carriers to save a few bucks for my DW. Pretty much require a lot of data (5GB+) & iPhone - gets a lot of use for her small business. Right now I'm paying AT&T $80/mth for 6GB (do regularly butt up/go over tap in to a small rollover data) + $25/mth for a 128GB iPhone 7 with a balance of $324.99 (ebay tells me I'm at about break even on this) to go so $112/mth w/ taxes. I saw T-Mobile as the lone "we'll pay off your old phone completely" competitor. Do others? I was leaning toward them because they offer included Netflix to go with them paying switching cost, so I was thinking $70 (supposed all in no add'l taxes) for unlimited data (more data less money - yes ...
by CokeSlurpee711
Wed Feb 21, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Drop Comprehensive and Collision?
Replies: 13
Views: 1527

Re: Auto Ins. Drop Comprehensive and Collision?

Thanks all. Had some bad math in my OP. This was not as slam dunk as I would've thought. I've decided to cancel (even apples to apples GEICO was cheaper that SafeCo who'd I been with. Time to buy that share of BRK.B for the additional discount, if that's still a thing.
by CokeSlurpee711
Tue Feb 20, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Drop Comprehensive and Collision?
Replies: 13
Views: 1527

Auto Ins. Drop Comprehensive and Collision?

I'm doing my annual online quote gathering to keep my local non captive agent honest. I feel like I should strongly consider dropping comprehensive & collision or should have about 2-3 years ago. This is for my 05 Chevy Silverado with ~140K miles on it. I drive about 8 miles one way to work. KBB has a private sale value of $4-6K on it. Basically sits idle on nights & weekends save something where a truck comes in handy. Geico is quoting me $20 & $40 per 6 months for Comp/Collision respectively so $160 annually for both which exceeds the 10% rule Clark Howard uses https://clark.com/insurance/how-to-shop-for-auto-insurance/ I view transportation as just that, so could I take a ~$5K auto loss? Eesh... Yes I'd buy something inexpens...
by CokeSlurpee711
Tue Feb 06, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684397

Re: U.S. stocks in freefall

Bummed, missed my buy limit on VTI by $2. Everyone please panic and sell. This time is different.*
by CokeSlurpee711
Sun Jun 30, 2013 7:31 pm
Forum: Personal Consumer Issues
Topic: Norton Utilities subscription expiring...
Replies: 14
Views: 1814

Re: Norton Utilities subscription expiring...

Add in more votes for avast! Antivirus, MalwareBytes, & CCleaner. All great & free.
by CokeSlurpee711
Sun Jun 30, 2013 7:26 pm
Forum: Personal Consumer Issues
Topic: DuckDuckGo or Tor Browsers
Replies: 28
Views: 7776

Re: DuckDuckGo or Tor Browsers

DuckDuckGo is a good search engine, but I really don't care that Google knows my business for what they give me (maps, google drive, e-mail) worthy trade IYAM.
by CokeSlurpee711
Tue Mar 12, 2013 8:33 am
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 3719

Re: I'm 23 and moving out, should I get a credit card?

Yes I recommend you use creditcardtuneup or nerdwallet to the best one suited for your needs.

Tough to go wrong withe Fidelity American Express giving you 2% cashback on all purchases.

Obviously keep the balance tiny & pay it before the closing date so 0 is what is reported to the bureaus.

As much fun as is it to be Mr. I use cash for everything you're overpaying for stuff like auto insurance by manipulating your score up.
by CokeSlurpee711
Sat Jan 19, 2013 9:57 am
Forum: Personal Consumer Issues
Topic: Any one living in Sarasota?
Replies: 14
Views: 2565

Re: Any one living in Sarasota?

On tablet so Ill be short. Its nicknmed Saraslowta. Fairly dead at 10 PM. Great beaches Good golf. Can be crowded w snowbirds during season. Wifes family lived there for 30+ years from Pittsburgh area.
by CokeSlurpee711
Sat Jan 19, 2013 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay first?
Replies: 30
Views: 2474

Re: Which debt to pay first?

Saving$ wrote:Highest interest rate first; lowest last.

You need to increase your emergency fund a bit also.
This. I like Ramsey. Named my debt free cat Ramsey, but at the end of the day hes a salesman.
by CokeSlurpee711
Thu Dec 13, 2012 8:02 pm
Forum: Personal Consumer Issues
Topic: Where to visit in FL with a toddler and a senior?
Replies: 31
Views: 4848

Re: Where to visit in FL with a toddler and a senior?

Lot of options here in FL. Given your parameters, my best guess would have to be like other posted suggested Saraslowta/Siesta Key. Siesta Key is unreal as a beach. It will be a little bit crowded, but nothing like the zoo South Florida (Ft.Lauderdale-Miami, no offense if you like 3rd world Florida, just not my cup of tea).

If warm water entry/swimming were no big deal, I think the Daytona Beach north to St.Augustine is extremely underrated from a chill, nature, & history perspective.
by CokeSlurpee711
Tue Dec 11, 2012 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: First time homebuyer - 20% down vs 3% down
Replies: 43
Views: 4429

Re: First time homebuyer - 20% down vs 3% down

Agree with others about there being no right or wrong here. I share the same the sentiment in the idea of a 15 year mortgage & going el cheapo on the down payment. I’ll offer some other considerations:

Modest starter house? So you don’t want to own it long term? Or do you & want to rent it in the future? I don’t know. I would consider a 30 YR & make minimum payments, the fact that you’re having this discussion lends me to believe in 4-10 years you’ll want a bigger & better house. Don’t see a ton of 5-10 upside in a modest starter house in AL vs Boglehead investing.
by CokeSlurpee711
Mon Oct 29, 2012 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Beginner HSA questions
Replies: 8
Views: 1053

Re: Beginner HSA questions

I'm young (mid 20s) not overweight or a smoker statistically a big user of medical services. I like HSAs a lot. Went full contribution last year. Half this year (want the extra dough to cut down on higher interest debt acquisition - thank you wifey)
by CokeSlurpee711
Sun Oct 28, 2012 9:18 pm
Forum: Personal Consumer Issues
Topic: Windows 8: Are you upgrading?
Replies: 67
Views: 7243

Re: Windows 8: Are you upgrading?

No. Still running Vista.
by CokeSlurpee711
Sun Oct 28, 2012 9:18 pm
Forum: Personal Consumer Issues
Topic: Picking a new HD TV
Replies: 19
Views: 2413

Re: Picking a new HD TV

I bought a cheap 40' Westinghouse during Black Friday 2 years ago this Thanksgiving. The only thing I have to complain about is the money I have left over.
by CokeSlurpee711
Sun Oct 28, 2012 9:15 pm
Forum: Personal Consumer Issues
Topic: MINT
Replies: 43
Views: 7181

Re: MINT

Used Mint for years. No complaints. Solid free service.
by CokeSlurpee711
Fri Sep 28, 2012 10:40 pm
Forum: Personal Consumer Issues
Topic: Anyone use HDTV free air over cable?
Replies: 73
Views: 11498

Re: Anyone use HDTV free air over cable?

With the other posters. Cheap antennas are generally just fine. Unfortunately I am live college football/volleyball junkie so I will not be cutting the cable likely ever.
by CokeSlurpee711
Sun Aug 19, 2012 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or buy
Replies: 5
Views: 1910

Re: Rent or buy

Watty's has some good questions. I'd add some other considerations:

How is your health? Common to live in to your 90s in your genes? 70s more realistic?

Anyone you are hoping to leave inheritance to? Like to leave someone a paid/almost paid for home?

Sidenote: Also with Watty, not seeing a zero work retirement of much comfort in the super near future.
by CokeSlurpee711
Wed Aug 15, 2012 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Cash vs. Fidelity Amex Rewards
Replies: 43
Views: 39933

Re: Capital One Cash vs. Fidelity Amex Rewards

I like my Fidelity Amex for my non 5% back categories.
by CokeSlurpee711
Wed Jul 04, 2012 9:41 pm
Forum: Personal Consumer Issues
Topic: [Music Recommendations]
Replies: 103
Views: 9949

Re: [Music Recommendations]

Petrocelli wrote:
CokeSlurpee711 wrote:
Kings of Leon are good w non radio crap better than their minivan mom tunes
Which album of theirs would you recommend?
I do like their pop stuff, but heres some of my favs off each their solid albums

Off of

Youth & Young Manhood: California Waiting (original verison slow) & Mollys Chambers
Aha Shake Heartbreak: Slow Night So Long & King Of the Rodeo
Beacuse of The Times: On Call & Arizona
Only by the Night: Notion & I Want You
by CokeSlurpee711
Sat Jun 30, 2012 9:30 pm
Forum: Personal Consumer Issues
Topic: [Music Recommendations]
Replies: 103
Views: 9949

Re: [Music Recommendations]

My prize this week from the used vinyl store is the Led Zeppelin II album, 1969 Atlantic. This copy is a 1977 reissue and the cover is worn a bit with a corner missing from some animal or possibly human chewing, but the album is sweet and plays near perfect with only a slight tick here and there. $8.00 Loved this album as a teen and still do 40 years later. The album is an intersection of blues, rock, and metal, and in retrospect is seen as a foundation piece for large chunk of the music over the next 20 years. I like the album for the blues aspect most and throughly enjoy 'Whole Lotta Love', which was significantly influenced by the Willie Dixon written, Muddy Waters performed 1963 release, 'You Need Love' . The band must have thought so ...
by CokeSlurpee711
Sat Jun 30, 2012 9:27 pm
Forum: Personal Consumer Issues
Topic: [Music Recommendations]
Replies: 103
Views: 9949

Re: [Music Recommendations]

The Black Keys are outstanding. Been following them for a while.

Kings of Leon are good w non radio crap better than their minivan mom tunes

Rilo Kiley Jenny is solid_

Grace Potter & The Nocturnals are great too.
by CokeSlurpee711
Sun Jun 03, 2012 3:59 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey and 7%
Replies: 46
Views: 10935

Re: Dave Ramsey and 7%

Who is Rick?

Agree w others Dave & Orman are good for most who wouldnt do anything. Dave is infotainment. OK personal finance advice awful investing advice.
by CokeSlurpee711
Sun Jun 03, 2012 1:40 pm
Forum: Personal Consumer Issues
Topic: Financial Books We Detest
Replies: 61
Views: 7133

Re: Financial Books We Detest

Chiming in defend MND. To me that book is more of an interesting look book vs a financial how to guide type of book. Luckily once you get Bogle its easy to avoid non Bogle advice.
by CokeSlurpee711
Wed May 02, 2012 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Argh! Wells Fargo is closing my account!
Replies: 14
Views: 11228

Re: Argh! Wells Fargo is closing my account!

Good. Get a local bank or credit union.
by CokeSlurpee711
Sat Apr 28, 2012 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: "My Faith-Based Retirement" by Joe Nocera, NYT
Replies: 143
Views: 14492

Re: "My Faith-Based Retirement" by Joe Nocera, NYT

Bad column IYAM. Stupid moves get bad results. Pay me.
by CokeSlurpee711
Sun Apr 22, 2012 5:29 pm
Forum: Personal Consumer Issues
Topic: Looking into buying a flatscreen tv
Replies: 62
Views: 5794

Re: Looking into buying a flatscreen tv

Had a 40" Westinghouse from Black Friday 2010 Target camp out. Paid peanuts.

Samsungs & Vizios etc are great. Not worth it to me though.