Search found 694 matches

by Fieldsy1024
Wed Apr 03, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Valuing retirement years
Replies: 35
Views: 3596

Re: Valuing retirement years

I plan on retiring at 55. Life is more important than work. Work is how I live my life. I'm running out the door hopefully.

If you love your job and enjoy working you are extra lucky.
by Fieldsy1024
Thu Mar 21, 2019 11:42 am
Forum: Personal Investments
Topic: How to realistically FIRE?
Replies: 310
Views: 21746

Re: How to realistically FIRE?

"Then you might want to get a Ph.D. in sociology and argue in peer-reviewed journal articles as to how social class should be determined." No thank you - it is irrelevant and worthless in my world. In large part, I similarly believe that there isn't much value in people around here worrying about h...
by Fieldsy1024
Thu Mar 21, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 51
Views: 4398

Re: Paying cash for a vehicle

Do not let the dealer know you plan to pay cash. This way they will drop the price more. They want you to have a loan from them. Absolutely. No discussion of financing (or not financing) until price is nailed down. Also, don't discuss trading in the old car until the end. Also this. If they think y...
by Fieldsy1024
Wed Mar 20, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 51
Views: 4398

Re: Paying cash for a vehicle

Do not let the dealer know you plan to pay cash. This way they will drop the price more. They want you to have a loan from them. Absolutely. No discussion of financing (or not financing) until price is nailed down. Also, don't discuss trading in the old car until the end. Also this. If they think y...
by Fieldsy1024
Tue Mar 19, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 51
Views: 4398

Re: Paying cash for a vehicle

Do not let the dealer know you plan to pay cash. This way they will drop the price more. They want you to have a loan from them. Absolutely. No discussion of financing (or not financing) until price is nailed down. Also, don't discuss trading in the old car until the end. Also this. If they think y...
by Fieldsy1024
Tue Mar 19, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Another Can I Retire Question
Replies: 27
Views: 2616

Re: Another Can I Retire Question

In the end, you have to be happy and enjoy life.

I think you can do whatever the hell you want, congrats!

I value time over money much much more. Hard part is they go hand in hand.
by Fieldsy1024
Tue Mar 19, 2019 8:31 pm
Forum: Personal Investments
Topic: The case for 100% equities
Replies: 199
Views: 12879

Re: The case for 100% equities

If you look at my post history you will see numerous times I advocate for 100% equities, which has provoked many counter-arguments. These are the lines of rationale I found least convincing. 1. Disbelief you can handle the risk. These arguments start off by simply denying the premise--that you can ...
by Fieldsy1024
Tue Mar 19, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 51
Views: 4398

Re: Paying cash for a vehicle

Waiting_for_Godot wrote:
Tue Mar 19, 2019 1:28 pm
ohboy! wrote:
Tue Mar 19, 2019 11:51 am
$10k for a car with 150k miles seems a crap deal.
+1
10k for 150k.......goodluck.......get AAA
by Fieldsy1024
Tue Mar 19, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 51
Views: 4398

Re: Paying cash for a vehicle

Do not let the dealer know you plan to pay cash. This way they will drop the price more. They want you to have a loan from them.
by Fieldsy1024
Tue Mar 19, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1.5 million house?
Replies: 125
Views: 8674

Re: Can I afford a $1.5 million house?

masonstone wrote:
Mon Mar 18, 2019 5:35 pm
Fieldsy1024 wrote:
Mon Mar 18, 2019 4:50 pm
If I'm considering purchasing a home at that expense, I wouldn't have my advice be on a forum.
Where would your advice be from?
Your two accountants that you trust more than the people in this thread.
by Fieldsy1024
Tue Mar 19, 2019 11:25 am
Forum: Personal Investments
Topic: The case for 100% equities
Replies: 199
Views: 12879

Re: The case for 100% equities

I plan to go 85/15 in a few years as I'm closer to 40. For now I'm sticking with 100% stocks
by Fieldsy1024
Tue Mar 19, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Better to Donate Time or Money To Charity?
Replies: 37
Views: 1345

Re: Better to Donate Time or Money To Charity?

I would say whatever you can do to better a situation is "best". I don't think there is a wrong and right answer here. Maybe it depends on what you will be doing or how much you are willing to donate. Either way, good for you. Whenever I help people with time or money, I know I appreciate it and rea...
by Fieldsy1024
Tue Mar 19, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: How would you bargain for unique items?
Replies: 23
Views: 1578

Re: How would you bargain for unique items?

Every situation is different and I am guessing it can be uncomfortable at times. With unique items, I try to be honest right off the jump. Ask them why they are selling it. Maybe ask why they collected it in the first place. Share your story on why you want it. Try to determine if the seller is sell...
by Fieldsy1024
Mon Mar 18, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1.5 million house?
Replies: 125
Views: 8674

Re: Can I afford a $1.5 million house?

If I'm considering purchasing a home at that expense, I wouldn't have my advice be on a forum.
by Fieldsy1024
Mon Mar 18, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 57
Views: 3934

Re: lawn care cost

You compared mowing a lawn to public transportation.


What if someone wants to mow their lawn and also likes driving their own car?
by Fieldsy1024
Mon Mar 18, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Haven't bought a car in ages - how does negotiation work these days?
Replies: 47
Views: 5021

Re: Haven't bought a car in ages - how does negotiation work these days?

Email every dealership within range about the exact car I want for an out the door price. 15 to 20 places. Best price is where I go and NEVER tell them you plan to pay in full or a large amount. They will drop it more if you need a big loan.
by Fieldsy1024
Mon Mar 18, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 3456

Re: What are the purposes of your travels?

To see as much of the world before I die. It's my favorite thing to do.....other than play disc golf hehe
by Fieldsy1024
Mon Mar 18, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 57
Views: 3934

Re: lawn care cost

Luke Duke wrote:
Mon Mar 18, 2019 9:40 am
abuss368 wrote:
Tue Mar 12, 2019 8:35 pm
What is the opportunity cost of investing that $40 a week over an investment lifetime? I have never paid anyone to mow our lawn and never plan to do so!
Why would you ever own a car when there is public transportation available?
Apples and Oranges.
by Fieldsy1024
Mon Mar 18, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 57
Views: 3934

Re: lawn care cost

Other than my Newspaper Route at 11, quit a year later to mow lawns. I would hand out a lot of flyers and managed to have 4 customers. This was about 22 years ago and I would charge them $20 for mowing, weed wacking, and edging. If they wanted it bagged Id charge an extra 5 to rake it/bag it. My par...
by Fieldsy1024
Mon Mar 18, 2019 5:18 am
Forum: Personal Consumer Issues
Topic: Buy a previous loaner car
Replies: 20
Views: 1578

Re: Buy a previous loaner car

Blown away that anyone would buy a high end car and not use the recommended fuel. Also I personally wouldn’t want a loaner or rental, do you all drive those as if they were your own brand new car? I know I don’t. Agreed. Even if the car was cheap and needed premium, I wouldn't even consider cheaper...
by Fieldsy1024
Fri Mar 15, 2019 4:48 pm
Forum: Personal Investments
Topic: Most people wish they invested more and sooner. Any of you wish they invested less?
Replies: 38
Views: 4390

Re: Most people wish they invested more and sooner. Any of you wish they invested less?

I didn't start saving/investing until I was almost 30. I have always chosen to "pay myself first" by living the lifestyle I desired...not by being "401k poor" like many of my friends. I don't regret this even a little. When I started my career, I basically bet on myself being successful, and I knew...
by Fieldsy1024
Fri Mar 15, 2019 1:44 pm
Forum: Personal Investments
Topic: How much is too much of one stock in portfolio?
Replies: 17
Views: 1460

Re: How much is too much of one stock in portfolio?

I was at 55% on one stock two weeks ago till I went 85% S&P/15% single stock.
by Fieldsy1024
Fri Mar 15, 2019 9:52 am
Forum: Personal Investments
Topic: Pension calculator
Replies: 11
Views: 1934

Re: Pension calculator

I have 10 years of a pension so hopefully when I retire at 55, that 95 dollars per month x 10 is 950. At age 55 its 10% penalty, 8 % at 56, 6 at 57 etc. 10% of that pension after taxes might get me 2 thanks of gas. I'd lose almost 100 bucks a month pre tax. Our pensions were frozen and the company a...
by Fieldsy1024
Thu Mar 14, 2019 9:54 am
Forum: Personal Investments
Topic: How do I find a "Reputable" advisor?
Replies: 5
Views: 461

Re: How do I find a "Reputable" advisor?

You already found a good spot IMO, here.
by Fieldsy1024
Thu Mar 14, 2019 8:14 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 6882

Re: Time to buy Boeing?

Profiting on a crash causing fatalities? Even if I was ok with stock picking, I wouldn’t buy Boeing right now. I agree! After hearing about the deaths of so many, my first thought wasn't, "Can I make money off of this stock?" I was only surprised that I had to scroll so far down the thread to find ...
by Fieldsy1024
Wed Mar 13, 2019 8:15 pm
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 6882

Re: Time to buy Boeing?

I'll wait to buy back when I hear what contracts are 100% proof. For now I have 10%, but I'd like it to drop to about 350 and might put in 25%.
by Fieldsy1024
Mon Mar 11, 2019 7:01 pm
Forum: Personal Investments
Topic: New job, new 401k
Replies: 14
Views: 1555

Re: New job, new 401k

I'm 34, right now I have 90% in S&P but will tighten up when I hit 40 or so.
by Fieldsy1024
Mon Mar 11, 2019 4:03 pm
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 6882

Re: Time to buy Boeing?

I dont think it's a good time to buy at all.
by Fieldsy1024
Mon Mar 11, 2019 2:52 pm
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 6882

Re: Boeing-time to buy?

Luck has a huge impact on the stock market in general. This is just more high risk high reward. I got lucky and sold at the right time and have it all in an index until the foreseeable future.
by Fieldsy1024
Mon Mar 11, 2019 10:11 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 6882

Re: Boeing-time to buy?

Even though I didnt make the thread, it's good to read from people who are against single stocks which is why I sold at 440. It's the only single stock I am in and I don't think I'm in a vast minority here at BH. Even if its 1%. I think a lot of people have 1 stock they have in their AA.....but mayb...
by Fieldsy1024
Mon Mar 11, 2019 9:14 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 6882

Re: Boeing-time to buy?

Unfortunately I fear this thread will Be locked. Not my intention. I believe in the overall boglehead philosophy and almost 97% of my funds are in low cost index funds. I respect those who differ and pledge total devotion to the principle of buying the whole market. Of course one of the many differ...
by Fieldsy1024
Fri Mar 08, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 5793

Re: portable jump starters

My husband has a tendency to leave the lights on in cars. If the headlights shut off automatically, he will somehow leave the dome lights on. I used to buy the Peak jump starters every other Black Friday because I used them enough to justify the price, and they went bad after about 18 to 24 months....
by Fieldsy1024
Fri Mar 08, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 5793

Re: portable jump starters

I own a tacklife portable jumper T6 or T8 I think. For around $50, it is CLUTCH! had to use it once where it already paid for itself.

With no one around I jumped my own car. I swear by these and bought them as gifts for people I care about around the last holiday season.
by Fieldsy1024
Fri Mar 08, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 48
Views: 3085

Re: Things to do in Maine

Bar Harbor and Acadia. Been there 4 times, going again for a week in early Oct.

Best area ever. Eggs Benedict with lobster instead of ham......mmmmmmmhmmmmm.
It's a place I'd consider moving to after I retire at 55 if things go right.
by Fieldsy1024
Fri Mar 08, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 10680

Re: Best Car Values

Thread is timely. I own a 2006 Honda Accord (I bought it new around $20K that year) and now have 162,000 miles on it. I've never had one issue with it until very recently where I've noticed a few small issues that seemed like transmission - however, the trans shop could not find a problem. On any r...
by Fieldsy1024
Fri Mar 08, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 10680

Re: Best Car Values

I bought a 2012 Mazda3 I touring, planning to have it for 10 to 12 years until I buy another one.

Used cars are cheaper, but I'm a person who has no trust in previous owners.
by Fieldsy1024
Thu Mar 07, 2019 5:53 pm
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 148
Views: 15478

Re: "Never time the market" vs. lump sum investment

If you can handle bigger swings say 100% in S&P you might want to do that depending on age. I am in my mid 30s and I think when I hit 40 I will start putting Bonds in my AA.....maybe.
by Fieldsy1024
Thu Mar 07, 2019 5:47 pm
Forum: Personal Investments
Topic: Boeing-time to buy?
Replies: 58
Views: 7645

Re: Boeing-time to buy?

After realizing the risk vs reward I did pull out 45% of 55% that I held in my AA. I got out at 440 and glad I did. 10% is still in Boeing Stock, but since I'm 34, I need to not be super risky and gamble.
by Fieldsy1024
Thu Mar 07, 2019 5:40 pm
Forum: Personal Investments
Topic: When does the power of compounding interest really kick in?
Replies: 53
Views: 6217

Re: When does the power of compounding interest really kick in?

Agreed. Just like 100k to 200k is doubling. 2 to 3 is 1.5, etc.

That's why it's faster as you keep going hopefully if it keeps growing.
by Fieldsy1024
Thu Mar 07, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 5263

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

researcher wrote:
Thu Mar 07, 2019 2:41 pm
birdog wrote:
Thu Mar 07, 2019 10:30 am
Would you consider an American car?
What do you consider an "American" car?

https://www.american.edu/kogod/researc ... index.cfm
+1
I laughed and agree
by Fieldsy1024
Thu Mar 07, 2019 2:53 pm
Forum: Personal Investments
Topic: Most NON obvious thing for new investors
Replies: 58
Views: 7357

Re: Most NON obvious thing for new investors

I used to check my accounts daily for the first year. Now I check them about every 2 months. My AA dropped about 15% in January. I didnt even let it bother me to be honest. Now its higher than it has been.
by Fieldsy1024
Wed Mar 06, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgages
Replies: 34
Views: 2956

Re: Mortgages

We're refinancing into a 30yr and locked in a 4.375% this week through Costco's program. 0 points, no appraisal fee, and $250 closing costs. The 15yr we were quoted was 3.99%. If you were iffy on 15 or 30 years, pay more principal. Even a small chunk helps. I chose to invest those dollars doing tha...
by Fieldsy1024
Wed Mar 06, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Sports team season tickets
Replies: 45
Views: 4083

Re: Sports team season tickets

Harper signing made season ticket holders happy in Philly lol.
by Fieldsy1024
Wed Mar 06, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Mortgages
Replies: 34
Views: 2956

Re: Mortgages

I have a 30 year 3.25% interest. I'm a year and a half away from getting rid of PMI/MIP and I'm starting to think I'm gonna pay more off each month to possibly save a 1,000 dollars.
by Fieldsy1024
Wed Mar 06, 2019 6:20 am
Forum: Personal Investments
Topic: Smartest Investing Moves
Replies: 24
Views: 3469

Re: Smartest Investing Moves

My wife and investing my time and money on traveling or experiences rather than buying things that don't hold value.
by Fieldsy1024
Wed Mar 06, 2019 4:33 am
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 5591

Re: How long have you gone without a raise?

4% raise last October (2018) plus Colas quarterly.
by Fieldsy1024
Mon Mar 04, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pension buyout, has this happened to anyone?
Replies: 15
Views: 2099

Re: Pension buyout, has this happened to anyone?

I will look into it. I hope you are right.

Either way, if I can live an average life and travel anytime I want (no kids), I'd be happy and die happy.
by Fieldsy1024
Mon Mar 04, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 240
Views: 35149

Re: How Much in Your Emergency Fund And Is It Used?

Low, 10k, plus hers 20k. If I NEED money I'll take the money that has been compounding faster than an emergency fund. Roth or 401k.
by Fieldsy1024
Mon Mar 04, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pension buyout, has this happened to anyone?
Replies: 15
Views: 2099

Re: Pension buyout, has this happened to anyone?

Nothing is attached to it like health care. I see it as though if I want out at 55 yrs old and take the 10% penalty, a fair lump sum is what I'd go for. My 401k, the company gives me 75 cents to the dollar up to 8%. They also put on top 9% 2 years ago, 8 last year, 7 this year, remaining years will ...
by Fieldsy1024
Mon Mar 04, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pension buyout, has this happened to anyone?
Replies: 15
Views: 2099

Re: Pension buyout, has this happened to anyone?

Search the forum for phrases like: “Lump sum or pension” “Lump sum or annuity” Lots of people have had to make these type of decisions, lots of threads... Thank you. If it happens I'd expect a lower number than the average person. I realize I can grow that money especially since I'm hoping to retir...