Search found 1089 matches

by TheOscarGuy
Wed Jul 15, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469407

Re: Refinance Mega Thread

Closed at 2.6255% for 20 years. Was really nice experience (a tad slow though, but our rate was locked!). Ours is a jumbo loan for reference.
by TheOscarGuy
Fri Jul 10, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: DFA Small-Cap Value has now underperformed since inception
Replies: 111
Views: 6774

Re: DFA Small-Cap Value has now underperformed since conception

I dont follow this. I see that DFSVX chart has generally been higher than VTSAX for more years than v.v. What am I missing. The OP is only looking at the end point. :D I fail to see the point of the thread in that case, I can always find such low points for virtually every index fund. The point is ...
by TheOscarGuy
Fri Jul 10, 2020 6:15 am
Forum: Investing - Theory, News & General
Topic: DFA Small-Cap Value has now underperformed since inception
Replies: 111
Views: 6774

Re: DFA Small-Cap Value has now underperformed since conception

rkhusky wrote: Fri Jul 10, 2020 6:08 am
TheOscarGuy wrote: Fri Jul 10, 2020 6:04 am I dont follow this. I see that DFSVX chart has generally been higher than VTSAX for more years than v.v. What am I missing.
The OP is only looking at the end point.
:D
I fail to see the point of the thread in that case, I can always find such low points for virtually every index fund.
by TheOscarGuy
Fri Jul 10, 2020 6:04 am
Forum: Investing - Theory, News & General
Topic: DFA Small-Cap Value has now underperformed since inception
Replies: 111
Views: 6774

Re: DFA Small-Cap Value has now underperformed since conception

With the beating small-cap value has taken in 2020, the DFA small-cap value fund DFSVX presently has underperformed the broad market since conception: http://quotes.morningstar.com/chart/fund/chart?t=dfsvx&dataParams=%7B%22zoomKey%22%3A10%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defau...
by TheOscarGuy
Tue Jul 07, 2020 6:02 am
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 79
Views: 6617

Re: How would permanent WFH reshape Silicon Valley?

As someone considering a move to Silicon Valley, I find myself wondering how the area might be reshaped by increasing trends towards totally remote work. Does anyone predict that the character of the area will be drastically changed by this over the next decade? Would it even get to the point where...
by TheOscarGuy
Fri Jul 03, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17365

Re: YoutubeTV subscription now $64.99/month

Google has raised the price of Youtube TV by 30% to $64.99/month. Late last year it was increased by 25% from $39.99 to $49.99. It's a good service, but the constant price increases make it less appealing. I wondered at $50 if it was worth the money and stopped using it. At $65 its just too costly....
by TheOscarGuy
Wed Jun 24, 2020 9:35 am
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17613

Re: Susie Orman Says You are Crazy to be Investing in Bonds

“You have to be crazy, if you ask me, to be in bonds at this point in time.” - Susie Orman I don't really know how bonds works, I set my allocation to 60 stocks / 40% bonds based on age. Should we be all selling our bonds and holding cash instead? Or just put everything in the stock market? https:/...
by TheOscarGuy
Mon Jun 22, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 107
Views: 6672

Re: What kind of sunglasses?

I've never purchased sunglasses over $30 because I always lose them and I rarely end up wearing them. Someone told me recently that I'd be better off buying a nice pair because I'll notice the quality immediately. I don't like really dark sunglasses, I'd prefer a clearer lense that still blocks UV ...
by TheOscarGuy
Mon Jun 15, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Replace my 4 Runner? Update on Repair Post 47
Replies: 65
Views: 4587

Re: I May Need to Replace my 2005 4 Runner :(

It's been a good car but Saturday I got stranded coming home from So. CA. 100 miles from home. The serpentine belt broke probably due to one of pulleys freezing according to the roadside mechanic. Just shy of 180k miles. It's been repaired but sounds terrible and am taking it to the dealer to get c...
by TheOscarGuy
Sun Jun 14, 2020 5:24 am
Forum: Investing - Theory, News & General
Topic: The “Abandon Bonds” strategy
Replies: 259
Views: 27447

Re: The “Abandon Bonds” strategy

A point that is missed by many people is that (in one idealized oversimplified framework, the MPT/CAPM/efficient frontier/maximize-Sharpe-ratio) if stocks, bonds, and cash all decline in expected return by about the same amount, you should do nothing . The optimum portfolio does not change . People...
by TheOscarGuy
Sat Jun 13, 2020 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469407

Re: Refinance Mega Thread

Just a quick update. Better has been moving pretty fast on this. But today I received an updated loan estimate and they jacked up the amount of escrow they want funded. They now want full year of taxes and 6 months of insurance upfront. That's double the amount of my escrow balance with my current ...
by TheOscarGuy
Sat Jun 13, 2020 6:19 am
Forum: Personal Consumer Issues
Topic: Bat (the flying kind) ethical question
Replies: 7
Views: 958

Re: Bat (the flying kind) ethical question

jasper wrote: Sat Jun 13, 2020 12:14 am
Do we ethically need to notify the new buyers/neighbors of this or let them figure it out on their own?
If it were me, I would not go out on my own and tell them. I dont think it is my business.
by TheOscarGuy
Fri Jun 12, 2020 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 1.25% to 1.10%
Replies: 81
Views: 8856

Re: Ally Bank savings interest rate dropping from 1.25% to 1.10%

I just got an email from Ally Bank saying that the savings account interest rate effective 6/12/2020 will be dropping from 1.25% to 1.10%. Go out and open some no penalty CDs today while they are still at 1.20%... I usually hold emergency in Ally/Discover. I did see this email, but my response was ...
by TheOscarGuy
Fri Jun 12, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469407

Re: Refinance Mega Thread

I locked rate with Sebonic yesterday for a refi with 2.74% interest for 15 year. Total closing costs is ~$2400 rolled into the loan including appraisal (already paid) and origination fee (~$1000) I just heard about LenderFi when I browsed this thread. I looked up their rate and I can get similar ra...
by TheOscarGuy
Thu Jun 11, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469407

Re: Refinance Mega Thread

I locked rate with Sebonic yesterday for a refi with 2.74% interest for 15 year. Total closing costs is ~$2400 rolled into the loan including appraisal (already paid) and origination fee (~$1000) I just heard about LenderFi when I browsed this thread. I looked up their rate and I can get similar ra...
by TheOscarGuy
Tue Jun 09, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: [Finally Maxing 401K, Now What?]
Replies: 20
Views: 1155

Re: [Finally Maxing 401K, Now What?]

Hello - Seeking advice on whether to open a Trad IRA / Roth IRA for backdoor or use funds to invest . Details below. Thanks in advance. 44 yo - married jointly MAGI - $250k or so Florida 401k - maxed for first time this year (consider job stable) HSA - max No other retirement accounts for either of...
by TheOscarGuy
Mon Jun 08, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469407

Re: Refinance Mega Thread

Folks- I've found it really useful to hear about everyone else's experience (and I posted my specific refinancing questions on a different/prior thread)- but here is my recent refinancing experience after closing today. Loan amount ~550k ("high balance, conforming" in my region) Property value ~1.2...
by TheOscarGuy
Thu Jun 04, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Pl recommend a garden hose
Replies: 32
Views: 1982

Re: Pl recommend a garden hose

MarkerFM wrote: Wed Jun 03, 2020 7:40 pm I have one word for you https://www.eleyhosereels.com/
These look good! But well over 200 for a hose reel? I have something from local HD/lowes and at ~50, I will keep throwing and buying new every 3 years or so. Assuming life of eleyhosereels is ~10 yrs, you'd like still come out ahead.
by TheOscarGuy
Tue May 26, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: Landscape Edger
Replies: 7
Views: 517

Re: Landscape Edger

I'm in the market for a power tool that I can use to edge / trench around flower beds in my yard and to a lesser extent, edge the grass around a sidewalk when our landscapers fail to do it. Being in Georgia, I need the tool to be powerful enough to get through clay and small roots and ideally make ...
by TheOscarGuy
Tue May 26, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13963

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by TheOscarGuy
Tue May 26, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 96
Views: 6958

Re: What will you NOT buy online?

It seems like everything is being sold online these days. Heck, you can even buy a car online and they will deliver it to you. It got me thinking, what would you not buy online? :confused Anything that you have to get a "feel" for. Mattress for instance, couch, bike. You have to try it and get a fe...
by TheOscarGuy
Tue May 26, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18522

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

We live in the Bay Area where sending kids to private schools seems like a status symbol. Or perhaps it's just the emphasis on education out here. Me and SO make 450K before taxes and we have a kid who will soon hit the age for preschool/school. The public school in our district is not very good fo...
by TheOscarGuy
Tue May 26, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 32
Views: 2177

Re: which iPhone?

Friends, I need a new iPhone. Planning to get the AppleCare Theft and Loss with it. The iPhone 11 looks pretty good. Thoughts? Experiences? Peter Buy it. Doesn't make any sense to get earlier phones, apple will make it really slow...no need to put you through that agony. Just get the latest one.
by TheOscarGuy
Mon May 25, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 165
Views: 20283

Re: Any Instant Pot users here?

I have been thinking of purchasing an Instant Pot for a few different reasons. Mostly ease of use/cleanup and time saving qualities. BUT, I can't quite pull the trigger and was hoping Bogleheads could help me out. Namely two questions: 1)how does the majority of food turn out? The low price has me ...
by TheOscarGuy
Sat May 23, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you change passwords on your investment accounts?
Replies: 42
Views: 2884

Re: How often do you change passwords on your investment accounts?

I imported my 1099 into TurboTax and had to provide my username and password. Afterwards I changed my password and then realized I probably don't cycle through new passwords as much as I should. :oops: :shock: How often do you change the passwords on your investing accounts? Thanks! Quite often :=)...
by TheOscarGuy
Sat May 23, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne Venture would not forgive annual fee
Replies: 37
Views: 2489

Re: CapitalOne Venture would not forgive annual fee

This week was my one year anniversary of opening a CapitalOne Venture card. Annual fee ($95) was waived in the first year per agreement. Now that I'm on to my 2nd year, a $95 charge showed up in my account, as expected. I pay annual fees for other cards and do not mind doing so. I opened Venture an...
by TheOscarGuy
Thu May 14, 2020 6:00 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12300

Re: Dentist charges $10 for PPE

I just had a cleaning/exam visit with my dentist. I have insurance and the bill for my cleanings generally does not have a co-pay. However, this time she charged me $10 to pay for their PPE. I really like this dentist and have never had a problem with her before, so I just paid it and left. Shouldn...
by TheOscarGuy
Thu May 14, 2020 5:57 am
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5508

Re: Where do you back up your important data?

I've been thinking about how best to back up our important documents. Right now I'm using an external hard drive and USB stick to back up photos, music, tax returns, bank statements, wills, spreadsheets and word documents. That's working fine, but I'm thinking it might be a good idea to have at lea...
by TheOscarGuy
Mon May 11, 2020 6:02 am
Forum: Personal Finance (Not Investing)
Topic: post covid 19 office work - was coronavirus a game changer for telecommunting?
Replies: 48
Views: 3881

Re: post covid 19 office work - was coronavirus a game changer for telecommunting?

I have been working from home second month now, and i am enjoying all the benefits of working from home. From what i understood so far, our company will keep us working from home for a long time (rest of the year), with a real possibility to make it permanent (our performance not only stayed the sa...
by TheOscarGuy
Mon May 11, 2020 5:52 am
Forum: Personal Consumer Issues
Topic: A Tsunami of Unsolicited Stupidity
Replies: 12
Views: 3039

Re: A Tsunami of Unsolicited Stupidity

Is anyone else being afflicted with what follows? Have you found any solutions? Just about two weeks ago one of my email accounts started getting daily mailings from a cluster of “investment advisory letters.” I had never heard of any of these people or products, never signed up for any of them, an...
by TheOscarGuy
Wed May 06, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1370

Re: Plunger reccomendation for newer toilets

I actually joined a plumber's forum one time. :shock: The consensus was that it is never a good idea to use a plunger on a toilet. Supposedly it can damage the wax ring or force paper or other matter into the siphon. Now if I use one I'm careful to be very gentle. Use a snake instead of a plunger. ...
by TheOscarGuy
Wed May 06, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4669

Re: 2020 travel plans

What is everyone doing with their travel plans for the rest of the year? We have several trips planned (some paid for) and I'm not sure what to do about them. Niagara Falls/Pennsylvania in mid June - all reservations made and paid for Wedding in Wisconsin in July Orlando in November We live in NC a...
by TheOscarGuy
Sat May 02, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4946

Re: Front load washing machine recommendations

camillus wrote: Fri May 01, 2020 8:37 pm Here at bogleheads we recommend staying away from front loads and stick with something with low fees.
I see what you did there :D
by TheOscarGuy
Wed Apr 29, 2020 5:17 am
Forum: Investing - Theory, News & General
Topic: Is this true, "You should never pay a premium for a good stock."
Replies: 23
Views: 1339

Re: Is this true, "You should never pay a premium for a good stock."

tvubpwcisla wrote: Tue Apr 28, 2020 3:19 pm Is it okay to pay a premium for stock in a good company or it is best to wait for the price come down before investing?

:confused
Its hard to say. In an index fun there are a bunch of stocks. I am not sure if I am paying premium or not, and if so, how much. :D
by TheOscarGuy
Sun Apr 26, 2020 4:51 am
Forum: Personal Consumer Issues
Topic: [Anyone found] amazing shopping deals now?
Replies: 30
Views: 4007

Re: Amazing shopping deals now

I just looked for an item we're running low on (dishwasher detergent). The item (75 oz) at Walmart's website was $2 and change. The same item, except smaller (48 oz) at Amazon was $12. Be careful out there folks. I agree, Amazon has taken a lot of advantage during these times and the same rules app...
by TheOscarGuy
Fri Apr 24, 2020 6:40 am
Forum: Investing - Theory, News & General
Topic: [Jim Cramer] "Stop Buying Index Funds"
Replies: 37
Views: 6332

Re: [Jim Cramer] "Stop Buying Index Funds"

This guys says this is a losing strategy? Thoughts? Will be interesting to come back 5 years from now and see if his advice panned out. There's a certain logic to what he is saying, part of me feels like. I am going to go out on a limb here and say that most responses to you will be this is all noi...
by TheOscarGuy
Thu Apr 23, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9971

Re: Best Covid19 resistant job

willthrill81 wrote: Wed Apr 22, 2020 10:21 pm I have a nephew who works for the USPS. His job is probably about as secure as they come.
Aren't they in a lot of financial trouble, since last decade or so?
by TheOscarGuy
Wed Apr 22, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2429

Re: House Cleaning and Covid

So, we live in Georgia, and will definitely not be going bowling, getting tats, going to the theater, getting haircuts and/or massages and/or mani/pedis, or going to the gym this weekend. That said, I am wondering about starting with our house cleaners again. I was thinking that if they used masks,...
by TheOscarGuy
Wed Apr 22, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 168
Views: 15397

Re: For those concerned about International Stocks...

For those concerned about the recent poor performance of International Stocks vs US Stocks, I would direct you to this figure from The Bogleheads’ Guide to Investing (2nd Edition.) I refer to this chapter when I have any doubts about my international allocation: https://i.postimg.cc/Wzs752GS/CC6665...
by TheOscarGuy
Wed Apr 22, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4371

Re: Replacement for 4Runner

First thing that blew us away was how cramped the 4Runner was for headroom. I'm 5'8 and my wife is 5'5 but with a long torso so sitting she's closer to 5'8. Both of our heads were an inch or two from the ceiling with the seat more or less straight up. She could lower the driver's seat a bit, but no...
by TheOscarGuy
Tue Apr 21, 2020 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Need Term Life Insurance: Not Sure How to Proceed
Replies: 10
Views: 658

Re: Need Term Life Insurance: Not Sure How to Proceed

Hi Bogleheads, I know that my DH and I need to obtain term life insurance, but this is totally new territory for us and we don’t feel confident navigating this. Looking for advice on: 1. where to go to get quotes term4sale is where I got mine. Either that, or find out insurance agents (my state had...
by TheOscarGuy
Tue Apr 21, 2020 5:35 am
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4437

Re: Anybody here pay less than $40 a month for home internet and with what company?

iamblessed wrote: Mon Apr 20, 2020 9:37 pm Home internet under $40?
comcast. When the introductory price goes away in a year or two, I call verizon FIOS and get it (I think its $39.99).
by TheOscarGuy
Fri Apr 17, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8509

Re: Frugal quarantine habits to keep

Like it or not, the pandemic and quarantine have forced frugal habits on all of us. According to the National Bureau of Economic Research , overall consumer spending is down over 50%. On the bright side, some of these frugal habits will be worth keeping after returning to business as usual. The big...
by TheOscarGuy
Thu Apr 16, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469407

Re: Refinance Mega Thread

That's what I did. System botched my application, painfully slow response from my loan guy. Northepointe is painfully slow as well. Cant even get a LE. Northpointe came back with a 3.25% 30 year, and 2.375% for 15 year. First one has a credit associated with it. I am just worried whether they will ...
by TheOscarGuy
Wed Apr 15, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: DIY Car Maintenance - Anyone grease the chassis?
Replies: 25
Views: 1382

Re: DIY Car Maintenance - Anyone grease the chassis?

I'm doing more and more DIY car maintenance. Does anyone here periodically grease their chassis? we have honda odyssey and subaru forester. Upfront costs would be buysing grease gun and grease then figuring out (youtube) where the "zerk fittings" are and what needs to be greased. I've never done th...
by TheOscarGuy
Wed Apr 15, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10458

Re: Eating out after lock-down is lifted

We have a couple birthdays planned this summer, but not sure if eating out and drinking is going to be all that fun now. Even if restaurants are required to operate at half capacity (higher prices I would think?), it seems nerve wracking to sit and be touching tables that others were just sitting a...
by TheOscarGuy
Wed Apr 15, 2020 6:24 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57594

Re: How to get Toilet Paper ? seriously.

We were able to get some from local BJs yesterday (through instacart).
by TheOscarGuy
Wed Apr 15, 2020 6:19 am
Forum: Personal Consumer Issues
Topic: Florida HOA complaining of Weeds in Lawn
Replies: 101
Views: 8874

Re: Florida HOA complaining of Weeds in Lawn

I don't live at the house but have a lawn service to take care of the yard. I get these notices a few times a year, notify the lawn guy, and it ok's for a few months. This last time the initial notice was back in March and yesterday I got a final notice giving 14 days to correct the problem or face...
by TheOscarGuy
Mon Apr 13, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Help Fix My Lawn!
Replies: 31
Views: 2498

Re: Help Fix My Lawn!

livesoft wrote: Mon Apr 13, 2020 1:18 pm
TheOscarGuy wrote: Mon Apr 13, 2020 1:09 pmIs this Florida? In my untrained eye it looks like Bermuda, ...
St Augustine. It's Texas.
Tells you I know nothing about grass species :D
by TheOscarGuy
Mon Apr 13, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Help Fix My Lawn!
Replies: 31
Views: 2498

Re: Help Fix My Lawn!

Never had a soil test ever. Here is a pic of my lawn taken a moment ago: https://i.imgur.com/A5L2DIA.jpg Note that I don't live near you and have a different species of grass. Is this Florida? In my untrained eye it looks like Bermuda, but I am not an expert. Beautiful lawn! I have used Milorganite...