Search found 1488 matches

by surfstar
Tue Jan 15, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 3921

Re: Brake fluid replacement?

It should be replaced on age, not mileage. OP, I'd say you're better off every 2-3 years and not 30k miles, if you drive so many highway miles.

My VW says 3 years, then every 2 years.
I'm coming up on year 3 of ownership and 46k miles - haven't touched the brake fluid yet.
by surfstar
Sat Jan 12, 2019 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: CD at 2.70 APR - 1, 2 or 3 years?
Replies: 21
Views: 2560

Re: CD at 2.70 APR - 1, 2 or 3 years?

All America Bank
Mega Money Market account
2.25% up to $50k

no catches

https://allamerica.bank/personal/bankin ... t-checking
by surfstar
Fri Jan 11, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10140

Re: Millionaire by 40 and How you Did it?

I started out with a "small" loan from my father...
by surfstar
Fri Jan 11, 2019 12:17 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7320

Re: Engagement Ring (Affordable)

Telling people how to spend their hard-earned money. Seriously out of touch. Poor diamond miners have to feed their families too. Helping people see through decades of advertising that has been very effective at almost brainwashing a population = priceless. They only want to spend their hard-earned...
by surfstar
Wed Jan 09, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7320

Re: Engagement Ring (Affordable)

Telling people how to spend their hard-earned money. Seriously out of touch. Poor diamond miners have to feed their families too. Helping people see through decades of advertising that has been very effective at almost brainwashing a population = priceless. They only want to spend their hard-earned...
by surfstar
Wed Jan 09, 2019 12:30 am
Forum: Personal Finance (Not Investing)
Topic: What are my options with the current mortgage?
Replies: 35
Views: 2005

Re: What are my options with the current mortgage?

worthit wrote:
Tue Jan 08, 2019 11:44 pm
The conflict is that I am taking the interest deductions annually,
Have you run your 2018 taxes yet?
The tax "cut" meant a whole lot of SALT deductions got swept off the table for many filers.
by surfstar
Sun Jan 06, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7320

Re: Engagement Ring (Affordable)

I'm the opposite in this case. I think it's cooler that something came from the ground than manufactured in the lab. It is interesting to see the kind of debate the engagement ring topic creates vs any other luxury good or service posted about on Bogleheads. Diamond engagement rings and white weddi...
by surfstar
Sat Jan 05, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7320

Re: Engagement Ring (Affordable)

The money spent on these pieces of carbon are pointless and a financial waste. You can now get man made synthetic diamonds that are so close to the same quality as regular diamonds, jewelers cannot tell the difference. Take the rest and save for your kids child education or emergency savings. THIS ...
by surfstar
Fri Jan 04, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7320

Re: Engagement Ring (Affordable)

The money spent on these pieces of carbon are pointless and a financial waste. You can now get man made synthetic diamonds that are so close to the same quality as regular diamonds, jewelers cannot tell the difference. Take the rest and save for your kids child education or emergency savings. THIS
by surfstar
Thu Jan 03, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9260

Re: Which Compact SUV Should I Buy?

Hyundai Kona EV
not out yet

but with your crazy low miles / short commute, any EV would make a lot of sense
Rent a car if needed for your rare long trip, or fly.
by surfstar
Thu Jan 03, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7320

Re: Engagement Ring (Affordable)

My wife somehow has gotten more compliments on the <20$ fake ring we got one day at kohls that she wears anytime there is more of a risk of damage or her losing her nice ring such as in the water or at the gym etc. Its really quite entertaining! Exactly why I refuse to spend a ton of money on this ...
by surfstar
Thu Jan 03, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7320

Re: Engagement Ring (Affordable)

gemvara.com- let me/us get the specific green (peridot) stone she wanted. In a "wave/ocean" type ring. White gold, with wedding band, less than $900. Used $50 coupons for new customers at the time :) My ring was $45 from Overstock.com (cobalt chrome, matches white gold very well) - the most expensiv...
by surfstar
Mon Dec 24, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Massive losses; what if I die [before offsetting the losses]?
Replies: 55
Views: 7004

Re: Massive losses; what if I die?

Nice problem to have.
My dad is needing an HECM (reverse mortgage) to pay the bills.

Remember, you can't take it with you.
by surfstar
Tue Dec 18, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do once you hit your target number?
Replies: 49
Views: 5414

Re: What did you do once you hit your target number?

Hit your target, donate towards mine? :D
by surfstar
Thu Nov 15, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6884

Re: Wait, do I need a prenup?

Donate all of your assets to charity, then get married. Problem solved and you help out some people who have no conception of what a prenup is.
by surfstar
Tue Nov 06, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18263

Re: Are we in trouble?

I think OP has not painted a very complete picture because midway through the thread a 3rd property (paid off) that they plan to retire to appeared.. Yes, the sudden appearance of a third, paid-off house in an unnamed location changes everything. OP, what other big curve balls do you have for us? i...
by surfstar
Mon Oct 29, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Who has gotten the most value out of a car?
Replies: 48
Views: 3315

Re: Who has gotten the most value out of a car?

Bought an 8 year old Mazda MX6 with 82k miles on it in 2001 for $4200. Drove it until 34x,xxx miles. Averaged 34 mpg. Did all my own maintenance work on it besides a couple timing belt changes (did one myself even). Junked it for $250 a few years back. Reliable, economical car. Got way more than my ...
by surfstar
Thu Oct 18, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Kai-Zen premium finance life insurance plan
Replies: 19
Views: 1503

Re: Feedback on Kai-Zen premium finance life insurance plan

I don't get it - do you need insurance or do you want to invest?
If you have lots of money and need life insurance - get a term life policy. Invest the rest.

Are you so greedy that this standard approach doesn't work? Maybe as a low net-worth person I just don't get the reasoning.
by surfstar
Tue Oct 16, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 17
Views: 1470

Re: Zion Nat'l Park & mosquitos in October?

Much more likely to have crowds than mosquitoes. Oct. is a great time to visit - we went 2 or 3 years back. No mosquitoes, although my wife did get attacked by some wasps as we were washing off in the creek near camp. Turned out there was a nest up in the tree that we disturbed! Oh yeah, crowds were...
by surfstar
Sat Oct 06, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Another Term Life Insurance Query
Replies: 9
Views: 813

Re: Another Term Life Insurance Query

We went through term4sale then spoke/emailed an agent in another state. Simple process, best rates. There should be no follow-up needed after purchase. Its a done deal, no changes, no converting. Its term life. The whole life, and anything else that requires salesmanship is where you get ripped off ...
by surfstar
Thu Oct 04, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5329

Re: Vacation without saving adequately?

Go. Be frugal with how you pay for it. Don't eat out. If you need to fly, get a new CC now, earn bonus miles, redeem for trip. Start looking into how to get discounted lift tickets. Do that correctly and you can save 50% over someone who doesn't plan their vacation correctly. That makes every other ...
by surfstar
Tue Oct 02, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2326

Re: Adult kids getting help from parents

Us? 0 Friends - yes. Siblings - yes. We don't know of any other people our age that have been able to come up with a down payment for a home here, besides us. We're gov employees - we just knew how to save. The one friend who could do the above - decided to retire at 39 instead (he did receive an in...
by surfstar
Tue Sep 18, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13513

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Money is NOT everything and despite what some may say, you only go around once on this planet. Make the most of your TIME.
by surfstar
Tue Sep 18, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: Fixing diamond ring
Replies: 19
Views: 1508

Re: Fixing diamond ring

serbeer wrote:
Tue Sep 18, 2018 5:37 pm
After all, I would not know zirconia from diamond on sight, and especially higher quality diamond from lower quality one or the one slightly smaller.
I love this quote.
by surfstar
Tue Sep 18, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3694

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Shop around better - $17k for a used Civic is too much. Switch to a Hyundai or a VW Golf or ...

But yes, the BMW was overbudget, hopefully you enjoyed it and worked it out of your system. Only 8k miles a year? You could buy a used car with 80k miles for $10k and it'll last you a long time...
by surfstar
Tue Jul 10, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4548

Re: Monthly Water Usage

SoCal
4 person (3 adult, 1 teen) household

3 or 4 HCF / month (1HCF is 748gal)

so we're at 2,244-2,992 gallons per month. Water/Sewer is about $70-80/month for that amount of use.

Waste not, want not.
by surfstar
Sat Jun 09, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 6037

Re: Another home thread: 2mil / 40K in taxes

Keep renting. Stash all you can, FIRE to somewhere better to live.
by surfstar
Sun Apr 29, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: $15,000 for 35 years
Replies: 7
Views: 1562

Re: $15,000 for 35 years

oh and the best way to ensure that your $15k continues to grow...

...make more investments into it! A little bit every paycheck. Each raise / cost of living increase, add 50% of that to your 401k deductions. If you really want to see it grow, try adding even more!
by surfstar
Sun Apr 22, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 4183

Re: Looking to purchase new car/SUV

Worrying about gas mileage when purchasing a luxury SUV is not seeing the forest for the trees. When spending $50-60k what difference will a few mpg make when looking at TOTAL COST OF OWNERSHIP? That is the bottom line, if you care that is, for car economics. Expensive dealer trips included. If you'...
by surfstar
Wed Apr 11, 2018 11:39 pm
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 5730

Re: Bull Market

Can someone remind me why we shouldn’t try to time the market? This bull market has been incredible but it doesn’t take a genius to look at historical averages and see we’re near the end here... Where are all the non-genius billionaires, then? If "it doesn’t take a genius to look at historical aver...
by surfstar
Fri Apr 06, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 46
Views: 8602

Re: GEICO rate increase: 49% annualized?!

Shop around. See if you qualify for any of the numerous Geico discounts.
That's about all you can do.
by surfstar
Fri Apr 06, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: help! I want to treat heirs equally
Replies: 38
Views: 5979

Re: help! I want to treat heirs equally

I don't think anyone else said this yet and it came to me...... Spend all your money before you pass! Lease Ferraris, sell the house and rent, take plenty of trips, buy an SPIA with no death benefit, eat at the best restaurants, go see big time car races and sports games and concerts. Pre-pay your ...
by surfstar
Sat Mar 24, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5816

Re: Big time home inspection issues

Do you need 4/5 bedrooms? I'd go for something smaller and newer/better kept. I also doubt that they will give near the credits (actually the credits may be limited in dollar amount, so the sale price would need to drop, which both realtors would be against, lol) necessary to make it worthwhile. The...
by surfstar
Sat Mar 24, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 2167

Re: Recently Engaged, Considering Joint Account(s)

Definitely all dependant on the couple. There's no need to combine or have joint accounts unless you both want to. I thought we were going to and it would be easier - something like we each put in so much from our paycheck into a joint account that would cover mortgage and joint expenses, etc. Reali...
by surfstar
Tue Mar 20, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs renting - really tough decision to make
Replies: 64
Views: 5589

Re: Buying vs renting - really tough decision to make

finite_difference wrote:
Tue Mar 20, 2018 8:49 pm
3500 square feet is huge unless you are planning on having 7 kids.
I agree. 3500 SF is ugly-American huge. I get that it rains a lot in Seattle, but there are lots of things to do up there besides sit in a McMansion.
To each, their own, though.
by surfstar
Fri Mar 09, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: How Amazon Can Blow Up Asset Management
Replies: 31
Views: 5987

Re: How Amazon Can Blow Up Asset Management

"Alexa, what stock should I buy today?" Just think of all the data mining that Alexa can do - listening in to household's conversations times tens of thousands. It will know what people are talking about and what people will want/need/buy - then it can tell you what stock to buy ;) What could go wro...
by surfstar
Fri Mar 09, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 29
Views: 5527

Re: Redfin

We are and were very informed consumers. We would go to an open house and know more than the agents. For us a Redfin model would be preferred. Alas, we have to deal with the slimy feeling RE industry when we bought, instead. We know which house we want, we know how to get it inspected, how to read c...
by surfstar
Mon Mar 05, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Has the home we wanted just become 20% more expensive due to tax reforms?
Replies: 62
Views: 7450

Re: Has the home we wanted just become 20% more expensive due to tax reforms?

This is precisely why Bogleheads advise people with the caveat that we cannot know what the future tax rates will be. Whether it be for retirement, income, or housing funds. We were a bit dismayed, as we purchased in Nov 2016, and just did our taxes. SALT gave us a nice "bonus", but alas, it was sho...
by surfstar
Fri Feb 09, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 3034

Re: Reporting backdoor Roth IRA with H&R Block

THREAD BUMP Bumping this thread, as I just ran into the same issue. 2017 H&R block downloaded software. I had to uncheck the box above line 1, in order for Form 8606 to populate correctly. "Check this box if you meet BOTH of the following requirements: *you converted ALL of your traditional, SEP, a...
by surfstar
Fri Feb 09, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7935

Re: Live / work in California - Technology Career

... Looking for most desirable and have the best weather. You left out the central coast - Montery, San Luis Obispo, Santa Barbara, and Ventura counties. Best weather, very desirable if you're not specifically looking for the big city urban environments. Yes. Unless you want to experience the worst...
by surfstar
Fri Feb 09, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 2160

Re: Multiiple indicator lights on (car)

Not used often, also points to battery.

Might need to put a battery tender on it if it sits for long periods and gets short trips.
by surfstar
Wed Feb 07, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 6562

Re: What time do you go to work?

7:30-5
Every other Friday off.

Gov. has its perks.
by surfstar
Tue Jan 30, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: My new car buying experience.
Replies: 46
Views: 10540

Re: My new car buying experience.

For my "number" I always used "867-5309" - I think less than 5% of the sales people got it. They always would email saying that they tried to call and my number didn't work - duh :oops:
by surfstar
Fri Jan 26, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a home - Financial Benefits? HCOL
Replies: 75
Views: 5174

Re: Buying a home - Financial Benefits? HCOL

OP, if your rent is cheap enough that the NYT rent vs buy calculator says don't buy, then don't. We were living in a 1br, below market, apt. Once we starting thinking of moving to a larger 1 br or 2br with simple amenities like a dishwasher, garage/storage, and washer/dryer, it made sense to buy. I ...
by surfstar
Fri Jan 19, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9784

Re: Short Commute or Nicer House?

SHORT COMMUTE - yes. BUT AGAIN, THERE IS NO REASON TO IMMEDIATELY BUY A HOUSE!!! I don't see why more aren't saying so. You want to get a good feel for an area before committing to purchasing a house. Are you really going to go off of online reading and what a realtor says? Live there for a while, t...
by surfstar
Thu Jan 18, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9784

Re: Short Commute or Nicer House?

Don't buy until you've been there a year!

Rent in option 1 neighborhood. Short commute is worth it.
by surfstar
Mon Jan 08, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 2981

Re: Car recommendations needed for growing family

Yes. Minivans are functional. SUVs are raised station wagons that get worse mileage, handle worse, cost way more, etc. Get a family hauler and then a commuter - maybe even a used Leaf? If you can get by with short range, they are dirt cheap and require little maintenance. Used Prius is a good bet fo...
by surfstar
Sun Jan 07, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to try to "time" a first time home purchase?
Replies: 48
Views: 2922

Re: Does it make sense to try to "time" a first time home purchase?

after adjusting for inflation, prices are still not as high as the 2006-07 peaks

definitely do not use timing to alter your purchase decision
by surfstar
Sat Jan 06, 2018 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 4570

Re: Is it time for me to get my 401K out of the stock market?

You have a pension + a lot of cash. You need to keep some in equities, IMO.

"25-75% in equities"
by surfstar
Sat Jan 06, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: How often to invest; or: how to avoid commissions?
Replies: 21
Views: 2032

Re: How often to invest; or: how to avoid commissions?

Move to Vanguard?

Unless I missed it and you're using a self-directed brokerage inside of a 401k.