Search found 192 matches

by stingray5688
Sat Sep 26, 2020 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off auto loan?
Replies: 23
Views: 1683

Re: Pay off auto loan?

How much emergency fund do you actually need? I don’t think I would have taken out a 13,900 loan with 45k in the bank in the first place...
by stingray5688
Sat Sep 26, 2020 10:41 pm
Forum: Personal Investments
Topic: Just Found Out We Are Expecting First Child - Now What
Replies: 25
Views: 2380

Re: Just Found Out We Are Expecting First Child - Now What

Life insurance

Wills/estate planning
by stingray5688
Fri Sep 11, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 12185

Re: Should we buy a $3M+ house with parental help?

Heck yeah take it, but can you squeeze ‘em for more?
by stingray5688
Tue May 12, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying auto insurance rather than cancelling
Replies: 32
Views: 2302

Re: Not paying auto insurance rather than cancelling

Maybe not paying and letting coverage expire is a fast way of getting them to call you :twisted:
by stingray5688
Tue Nov 28, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: best SUV
Replies: 30
Views: 4610

Re: best SUV

Toyota Land Cruiser, obviously.
by stingray5688
Sat Jul 30, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: Can toll roads be easily avoided in Dallas/FW area?
Replies: 8
Views: 1976

Re: Can toll roads be easily avoided in Dallas/FW area?

I would say that they cannot be easily avoided. Avoided, sure, depending on how much time you have to sit at lights. It also depends on the areas you are in though. Several major highways are toll or have specified toll lanes, and more are coming. I would recommend a toll tag if you drive the area o...
by stingray5688
Fri Jul 15, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 9338

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

JonnyDVM wrote:There's a simple explanation. The investing world underestimated how many sad, lonely adults there are.
Really? Is that also the reason this forum is so popular?
by stingray5688
Wed May 11, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Any Woodturners?
Replies: 8
Views: 1838

Re: Any Woodturners?

x2 to the woodcraft class and sawmillcreek forum. if you don't have a woodcraft nearby, there may be a local person or club you could talk to and get some demonstrations/lessons. good quality tools cost more, but it's nice to have a cheap set when you are learning to sharpen properly. i would recomm...
by stingray5688
Wed Mar 23, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 28849

Re: Tesla Model 3 anyone?

most likely will put down a deposit online after the reveal... i think it will still be hard to justify that much money for a car, even 2 years from now, but i'm a huge fan, and excited that other manufacturers are feeling pressured to make affordable long range EVs too. looking forward to ending my...
by stingray5688
Fri Feb 12, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with $13 of hobby money?
Replies: 54
Views: 4802

Re: What to do with $13 of hobby money?

i guess its just inevitable to have these threads to complement all of the "can i afford XXXX" threads....
by stingray5688
Thu Jan 14, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 8770

Re: What's your company 401k contribution

0%, no pension, and bad fund selections. good thing i have an upcoming job interview.
by stingray5688
Thu Jan 14, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Hand me down I-Phone..what can I do with it??
Replies: 31
Views: 3198

Re: Hand me down I-Phone..what can I do with it??

use it as a dedicated controller for your SONOS speakers. also, get some SONOS speakers.
by stingray5688
Wed Jan 13, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I itemize tax deductions?]
Replies: 10
Views: 1240

Re: [How do I itemize tax deductions?]

also in TX. we itemized sales tax 1 year. kept every receipt, added it all up, etc. it was more than the standard formula would have given us. this probably is due to the fact it was the same year we bought a house and a lot of furnishings and supplies to go with it. But we decided it was not worth ...
by stingray5688
Wed Dec 16, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: Fed raises FFR [Federal Funds Rate] 0.25% as expected
Replies: 60
Views: 8281

Re: Fed raises FFR 0.25% as expected

greg24 wrote:Sell sell sell!!! Wait. Do I sell equities, or bonds? Gold? Ammo?
no time to decide, just sell it all.
by stingray5688
Mon Nov 23, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Gift ideas for teachers?
Replies: 26
Views: 3048

Re: Gift ideas for teachers?

Wine.
by stingray5688
Tue Nov 10, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: How to sell exercise equipment?
Replies: 30
Views: 7069

Re: How to sell exercise equipment?

I don't think you are paranoid. I have sold many things on craigslist, and big items like this always make me hesitate. Usually it has been larger power tools that I don't want to transport or I know the buyer will want to test. Whenever I sell something on craigslist, I never list my phone number. ...
by stingray5688
Wed Oct 28, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 125
Views: 12442

Re: Oil change - Auto shop or DIY

look up a tutorial/video on your specific model and see how easy it may be. i do it myself for my wife's car (very easy), but i refuse to do my own anymore after making too many messes. i prefer doing it myself because i know it's done correctly, typically cheaper for equivalent oil and filter, and ...
by stingray5688
Fri Oct 09, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: airline seating arrangement
Replies: 32
Views: 3625

Re: airline seating arrangement

how much is the 4th seat? :P
by stingray5688
Sat Oct 03, 2015 9:18 pm
Forum: Personal Investments
Topic: Vanguard vs Edward jones
Replies: 29
Views: 6816

Re: Vanguard vs Edward jones

No. No one on this forum should give you any reason to stay with Edward jones. If they do, ignore them. Free yourself.
by stingray5688
Wed Sep 30, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 61983

Re: Tesla X

here they come! anyone here happen to have VINs 2-6 last night?
by stingray5688
Sat Jul 18, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1014
Views: 222079

Re: Tesla S

Wonder what it's like to participate in a software public beta for your car :shock:
by stingray5688
Mon Jul 06, 2015 10:40 am
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 56
Views: 7697

Re: SLOW

Agreed. Extra traffic due to Greece?
by stingray5688
Mon Jun 29, 2015 8:40 pm
Forum: Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 61
Views: 10215

Re: How do you Lazy portfolio funders deal with dips in the market?

livesoft wrote:I may sell later this week as I have done in the past after buying on a relatively bad day.
What! How do you define a relatively bad day?! Where's the transition between relatively and really?! Now you just opened a new can of worms.
by stingray5688
Mon Jun 22, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: Best Slat Wall / Pegboard Systems for Garage Storage
Replies: 15
Views: 10752

Re: Best Slat Wall / Pegboard Systems for Garage Storage

+1 to 2x4s idea, fast and cheap. Lowes and HD have lots of choices of hooks and hangers for whatever you need. French cleat system is great, but takes more time and thought. Very flexible and good looking though. Pegboard is good for hand tools and small items. I wouldn't trust it for hanging large ...
by stingray5688
Mon Jun 15, 2015 12:30 pm
Forum: Forum Issues and Administration
Topic: Any way to highlight the original poster in a thread?
Replies: 12
Views: 6460

Re: Any way to highlight the original poster in a thread?

It would require a software mod, which is not something we're going to do. I didn't check if something like this can actually be done (I'm sure it can), but we want to keep the software as close to "stock" as possible. Here's a suggestion: Click on the OP's username, just above the avatar...
by stingray5688
Fri May 29, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 10612

Re: Behavioral finance and restaurants

what a good topic for a poll. the closer the better. i hate driving far, dealing with traffic and crowds, looking for parking or having to valet. i love a good meal but all the hassle can make it unenjoyable. 20-30 minutes is about my max, which is from our suburbs to the downtown area. and it doesn...
by stingray5688
Fri May 01, 2015 11:21 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 15425

Re: Polls Disabled

You can't mess with your life savings (or at least a good chunk of money) based on anonymous information. LOL. doesn't that render the majority of the threads on this forum useless? 99% of Internet statistics are made up anyway, everyone knows that. Polls are fun and interesting. Ridiculous decision.
by stingray5688
Tue Apr 07, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 7695

Re: Cloud Storage

I use Dropbox for documents and Flickr for photos. Dropbox can auto upload photos, but Flickr gives 1TB for free...
by stingray5688
Tue Apr 07, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 76283

Re: Will you buy an Apple Watch?

Leif wrote:I do have an iPhone 6 plus. I have put a note into my calendar to respond to this thread on October 2, 2016. Perhaps I'll set up a poll.
Will be very funny if you see the calendar alert on your future Apple watch :D
by stingray5688
Sun Apr 05, 2015 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of raiding your retirement savings?
Replies: 10
Views: 3446

Re: Thinking of raiding your retirement savings?

Taxes may be less of a concern if you have a Roth IRA, but there are still factors to consider. If you have a Roth IRA, you can withdraw your contributions at any time without being subject to income tax or a penalty tax—as long as you've owned the account for five years or more. This is incorrect,...
by stingray5688
Tue Mar 17, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 6309

Re: What's a good digital antenna?

i've got a huge one in our attic that works great. its hooked up to the coax cables that were run to each room when the house was built. had a "RCA ANT751" mounted on the roof of our last home. if that's not an option, there is the mohu leaf among others on amazon that can be hung on the w...
by stingray5688
Mon Mar 02, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Corrected 1099 issued after filing. Amend?
Replies: 4
Views: 1304

Re: Corrected 1099 issued after filing. Amend?

i realized after filing that i overpaid by about $6. similarly, it would cost me more than $6 to correct this.

i wonder if it can be considered tax deductible charitable giving on next year's return?? :twisted:
by stingray5688
Thu Feb 26, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 8084

Re: 3 Kids and 2 Dogs - Next Vehicle

Might take a look at the GX. Lexus version of the 4Runner, but nicer with V8 and full time 4x4. Cost isn't too much different from sequoia, depending on options on either. MPG in both the sequoia and GX will be dismal though, probably around 16 mpg mixed.
by stingray5688
Wed Feb 18, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Streaming music on demand
Replies: 16
Views: 1622

Re: Streaming music on demand

i use the songza service almost exclusively on our sonos system. it is free with little to no ads. it's a radio type service though, you can't pick exactly which songs you want to hear. google recently bought songza and both services have the 'concierge' feature, so you may already be familiar with ...
by stingray5688
Wed Feb 11, 2015 8:11 pm
Forum: Personal Consumer Issues
Topic: Question about fluorescent lighting fixture
Replies: 16
Views: 2529

Re: Question about fluorescent lighting fixture

In my recent shopping for a shop light, I found that T8 bulbs are the new rage and T12 bulbs are being phased out. It is interesting to me what the T8 and T12 stand for? Any guesses out there? The diameter of the bulb, in eighths of an inch. T12= 12/8, or 1.5" T8= 8/8, or 1" T5=5/8, or .6...
by stingray5688
Fri Feb 06, 2015 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 10426

Re: Unhappy With Job Raise

reminds me of a drew carey line. :P
by stingray5688
Fri Feb 06, 2015 1:22 pm
Forum: Investing - Theory, News & General
Topic: "What My Daughter Learned From the Stock-Market Crash"
Replies: 13
Views: 4040

Re: "What My Daughter Learned From the Stock-Market Crash"

Rick Ferri wrote:however, I also get half of every dollar you earn.
low fee advsior my ***!!! :twisted: :mrgreen:
by stingray5688
Wed Feb 04, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: garbage disposal installation
Replies: 33
Views: 2506

Re: garbage disposal installation

Did he have it lined out to show how he got to $713?? How much does that guy charge for his time??

DIY is very easy for this. However, if your dishwasher drains into the disposal, don't forget to remove the knockout plug. My dad has been there, done that. :oops: :D
by stingray5688
Thu Jan 22, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 1709

Re: Poll

Stuffed.
by stingray5688
Wed Jan 07, 2015 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard sent me a $.01 check.... silly.
Replies: 25
Views: 3409

Re: Vanguard sent me a $.01 check.... silly.

Parthenon wrote:In 2011 and 2012 Vanguard sent me a check for "************.00".

Ed
You deposited that, right? :P
by stingray5688
Wed Dec 17, 2014 1:02 pm
Forum: Personal Investments
Topic: Why a Boglehead doesn't invest in individual companies?
Replies: 142
Views: 21989

Re: Why a Boglehead doesn't invest in individual companies?

owning a bunch of individual stocks sounds like work. i do enough of that already.
by stingray5688
Tue Dec 16, 2014 5:38 pm
Forum: Investing - Theory, News & General
Topic: Dilbert: Everything you need to know
Replies: 20
Views: 3834

Re: Dilbert: Everything you need to know

DonCamillo wrote:Nisi--Why did you have to post this? Don't you realize that you just made the entire Bogleheads Forum unnecessary? What will we do with our spare time? :wink:
the forum is mainly to endlessly debate re-balancing strategies and the 'research' behind them.
by stingray5688
Fri Dec 12, 2014 1:17 pm
Forum: Investing - Theory, News & General
Topic: Is monthly rebalancing too frequent?
Replies: 38
Views: 8515

Re: Is monthly rebalancing too frequent?

don't the target retirement and life strategy funds rebalance every day? am i doomed if i hold those?
by stingray5688
Sun Dec 07, 2014 3:57 pm
Forum: Personal Consumer Issues
Topic: I Can't Smell The Coffee [one cup coffee maker]
Replies: 36
Views: 13526

Re: I Can't Smell The Coffee

Coffee scented candle or "scentsy"
by stingray5688
Sat Dec 06, 2014 11:09 pm
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 34
Views: 11250

Re: Bogleheads.com and FPL Capital Management

Mel Lindauer wrote:Actually, there is something we can do about it. We're taking legal action because they're illegally using the trademarked "Bogleheads" name, which is owned by The John C. Bogle Center for Financial Literacy.
Lawyered!!! :twisted: :beer
by stingray5688
Fri Dec 05, 2014 10:34 pm
Forum: Personal Investments
Topic: My Rate of Return on my 401K was 9.83%. Is that Good?
Replies: 30
Views: 4114

Re: My Rate of Return on my 401K was 9.83%. Is that Good?

We need at least 4 significant digits to really decide.
by stingray5688
Fri Dec 05, 2014 3:51 pm
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 32
Views: 3713

Re: Transferring files onto a new computer

what i usually do is take the HD out of the old computer and plug it into the new computer so it sees both hard drives in my computer. then just copy/paste as needed.
by stingray5688
Tue Dec 02, 2014 6:12 pm
Forum: Investing - Theory, News & General
Topic: POLL: Should investors have a separate emergency fund?
Replies: 58
Views: 6830

Re: POLL: Should investors have a separate emergency fund?

I have one because I cannot afford not to have one. When I can afford not to have one, I won't have one.