Search found 254 matches

by snodog
Fri Aug 24, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Have a 50K hospital bill reason - too much insurance
Replies: 16
Views: 2435

Re: Have a 50K hospital bill reason - too much insurance

I have an idea of what I'm going to do. Thanks to everyone who replied. :beer
by snodog
Thu Aug 23, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Have a 50K hospital bill reason - too much insurance
Replies: 16
Views: 2435

Have a 50K hospital bill reason - too much insurance

Couple of things: I have insurance through where my wife works which we will call WI (wife's insurance) and also through Medicare part A. Stayed at hospital for 16 days late last year. About a month ago I received a call from the hospital asking me if the company where my wife works has over 100 emp...
by snodog
Mon May 14, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 36
Views: 3808

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Mazda 3 might be another option. Yes. We just bought a 2018 Mazda 3 Touring for my wife. Paid $20,250 "out the door" and it's being delivered to our doorstep on Monday for no extra cost. It's a top safety pick and according to Consumer Reports very reliable. I think the Corolla now comes with a CVT...
by snodog
Sat May 12, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 36
Views: 3808

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

monkey_business wrote:
Sat May 12, 2018 4:15 pm
Mazda 3 might be another option.
Yes. We just bought a 2018 Mazda 3 Touring for my wife. Paid $20,250 "out the door" and it's being delivered to our doorstep on Monday for no extra cost. It's a top safety pick and according to Consumer Reports very reliable.
by snodog
Fri Apr 20, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98471

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Honda better do something..I have crossed the CR-v off my list. I know. We were planning to buy my wife the 1.5 liter turbo Civic si but now we're just going to wait a while to see what transpires and try to get a better handle on things. If we had to purchase right now we'd probably buy a Mazda 3.
by snodog
Tue Mar 20, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 14352

Re: Can I Retire at 38?

...and have two small children... Children learn a lot from the example set by their parents. Things like how parents deal with work issues, work schedules, and how parents go to work day after day. If you're not working (even if you have assets high enough to be financially independent) they may v...
by snodog
Fri Mar 02, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Peter Schiff Promotes Dividends to Protect Against Speculative Market Valuations
Replies: 22
Views: 3203

Re: Peter Schiff Promotes Dividends to Protect Against Speculative Market Valuations

What is your issue with the oldest school of economic thought? I didn't hear any keynesian/neoclassical economists pounding the table about a looming housing bubble in 2006. They still think the Phillips curve is legit. The 70s, the 90s, and the 2010s have debunked the relationship of inflation and...
by snodog
Wed Feb 28, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: Peter Schiff Promotes Dividends to Protect Against Speculative Market Valuations
Replies: 22
Views: 3203

Re: Peter Schiff Promotes Dividends to Protect Against Speculative Market Valuations

Jiu Jitsu Fighter wrote:
Tue Feb 27, 2018 8:10 pm
Peter Schiff has a good understanding of macroeconomics.
Yeah gotta love those austrian economics.
by snodog
Thu Feb 15, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 152
Views: 12114

Re: philosophicaleconomics predicts 4% real equity returns

People have been making these kinds of bearish predictions for the last 10 years. Since 2008 SPY has returned over 7% real. A period that arguably includes the worst downturn since 1929. Nobody knows nothin.
by snodog
Wed Feb 14, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 12795

Re: Honda vs. Toyota: Which has more bang for the buck?

I prefer Toyota's for the styling and reliability.
by snodog
Sat Feb 10, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 14086

Re: Anybody else Age - 10 in bonds, rest in stocks

49 Years old and 60/30/10 - stocks/5 year treasuries/gold, 33/33/33 - US/Int Dev/EM and tilt to small value as much as I can.
by snodog
Sun Feb 04, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 57368

Re: Flaunt Your High-Mileage Car

My wife has a 2007 Yaris with 225,000 miles on it.

I drive a 2003 Accent with 92,000 miles.

Both cars have never left us sit and have had just routine maintenance.
by snodog
Sun Feb 04, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Best International Small Cap Option
Replies: 53
Views: 6600

Re: Best International Small Cap Option

DLS, PDN and FNDC are all good.

Full disclosure: I own a nice chunk of FNDC.
by snodog
Sat Feb 03, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 14450

Re: Starting to feel like the late 1990s?

finite_difference wrote:
Sat Feb 03, 2018 2:09 pm


I disagree. I may not agree with all his views but I think Krugman is one of the few credible economists writing regularly. Please feel free to list any others you find are more credible.
Warren Mosler
by snodog
Fri Jan 26, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 14450

Re: Starting to feel like the late 1990s?

Despite the run up I am feeling somewhat bullish. US stocks are indeed frothy but overseas they are rather cheap. The PE ratio of my portfolio is only 14.7 according to Morningstar and Paul Krugman should have known better. At least he didn't say "We will be able to say merry christmas again". :twis...
by snodog
Fri Jan 26, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 22
Views: 3108

Re: Can I retire?

You are good to go in my book. Using $25,000/yr for SS at age 65, Firecalc gives you 100% success rate spending $58,000/yr for 45 years.
by snodog
Wed Jan 24, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Importance of FDIC Insurance
Replies: 17
Views: 1887

Re: Importance of FDIC Insurance

Not only do I think FDIC insurance is important, but I also believe all your money should be guaranteed not just $250,000.
by snodog
Tue Jan 23, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 10333

Re: Post Your Morningstar Box Style

05 05 06
20 17 12
17 12 05
by snodog
Mon Jan 22, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: Lower tax rates for 7 yrs.-Are you switching to Roth 401K
Replies: 65
Views: 6824

Re: Lower tax rates for 7 yrs.-Are you switching to Roth 401K

I am going traditional IRA because I will be paying little if any tax in retirement, and if I'm wrong I will be able to afford more tax. I could care less about the so called "national debt'" because there is no such thing. Everyone has their treasuries which are a form of money.
by snodog
Sat Jan 13, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Am I too aggressive?
Replies: 30
Views: 6307

Re: Portfolio Advice - Am I too aggressive?

Sorry for bumping up an old thread but I thought I would update this 10 years later: I am 48 and my wife is 45 and we have never made more than the $80,000 which we made last year. I wish I would have listened to the wise advice I got from people telling me I needed more bonds. But I guess sometimes...
by snodog
Sat Jan 13, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: There really is more than one road to Dublin!
Replies: 6
Views: 951

Re: There really is more than one road to Dublin!

All roads lead to Dublin and your money is Dublin.
by snodog
Tue Oct 03, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 8092

Re: Is it a waste of money having your furnace checked every year?

Used to get the furnace checked annually at our old home with an oil furnace. Now we've had a gas furnace for 4 year and haven't gotten it checked yet, but replace the filters every 3 months. So far no problems. We also have CO detectors and a fireplace that can heat the house if need be. At our old...
by snodog
Wed Feb 15, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: Roth IRA vs 401k
Replies: 27
Views: 2198

Re: Roth IRA vs 401k

This is an honest question and not directed at anyone particular. Yes the highest tax bracket has changed drastically over the years but have rates changed that much for the average middle class family? My guess would be no??
by snodog
Sat Feb 04, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Maxing Roth IRA Vs Tax diversification
Replies: 22
Views: 2152

Re: Maxing Roth IRA Vs Tax diversification

1) Yes, you may have too much money in Roth. KlangFool This is what happened to me after being brainwashed into doing the Roth by all the "experts". According to this calculator a retired couple could receive $35000 in Social Security and withdraw $19000 out of a Traditional IRA and pay no taxes. h...
by snodog
Tue Jan 10, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 202
Views: 45135

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

Great charts Tyler I especially like the heat map but the top cells seem to lock up and the grid is gone since you added the new info. It seems to happen after I enter anything greater than 30 in the SCV cell.
by snodog
Tue Dec 20, 2016 6:36 am
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 19407

Re: How old is your vehicle?

Me - 2003 Hyundai Accent with 90,000 miles.
Wife - 2007 Toyota Yaris with 197,000 miles.
by snodog
Tue Sep 27, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 20858

Re: Replace car battery after X years or wait till it dies?

My wife's battery lasted 7 years when we preemptively replaced it a couple of years ago. My battery is 8 years old and I will run it till it dies because I just ordered one of these. https://www.amazon.com/gp/product/B013U ... UTF8&psc=1
by snodog
Sat Jun 18, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Refrigerator
Replies: 39
Views: 4374

Re: Recommendation for Refrigerator

Bought a new fridge in 1992 for $400 when I got married and it still worked the day we sold the house in 2013. Never a single problem. Moved into our new house with new appliances in 2013 and have had issues with the fridge, freezer, microwave, oven and dishwasher. The new stuff seems to be junk tha...
by snodog
Wed Sep 16, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: New Heating System for Home - Gas versus Electric?
Replies: 90
Views: 7922

Re: New Heating System for Home - Gas versus Electric?

ruanddu wrote:Thanks, Snodog.
Yep. Here is a calculator that you may find helpful. http://www.builditsolar.com/References/ ... ompare.htm

I just calculated and surprisingly here in PA gas is quite a bit cheaper. We are paying $.13/KWH and $.90/therm.
by snodog
Wed Sep 16, 2015 6:26 pm
Forum: Personal Consumer Issues
Topic: New Heating System for Home - Gas versus Electric?
Replies: 90
Views: 7922

Re: New Heating System for Home - Gas versus Electric?

Gas is more dangerous but heat pumps break down more and don't blow hot air. In most areas gas is cheaper than a heat pump and a lot cheaper than oil. We moved 2.5 years ago from an oil heated house to a gas heated house. Our old house was 975 sq foot and cost us $1097 to heat. The new house is 1740...
by snodog
Mon Aug 31, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: Air Conditioner Maintenance
Replies: 13
Views: 2431

Re: Air Conditioner Maintenance

I won't tell you what to do but at our old house we had AC installed in 1995 and never had a checkup and only had a guy out once for a cheap repair. We moved out in 2013 and the unit was working fine.
by snodog
Sat Aug 29, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Time to upgrade my HVAC?
Replies: 22
Views: 3178

Re: Time to upgrade my HVAC?

There is no way I would replace the AC. To save maybe $50-$100 a year it's never going to be worthwhile from a purely financial perspective. You can still choose to replace for piece of mind but keep note that the unit could last another 10 years or so. And if you also have to replace a 13 year old ...
by snodog
Tue Aug 25, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 7058

Re: Oversized HVAC?

If low stage is 2.7 tons and it sounds like it only runs about 1/2 the time on design temperature days which means maybe you only need 1.5 tons of cooling. You must have a very well insulated house. Are they sure it is running on low stage? But it is possible that is all you may need because I'm abo...
by snodog
Sun Jul 19, 2015 5:42 am
Forum: Personal Consumer Issues
Topic: Philosophical HVAC Question: When to Replace AC/furnace
Replies: 24
Views: 2938

Re: Philosophical HVAC Question: When to Replace AC/furnace

I would wait until they died to replace. We sold our old house a few years ago with a 50 year old oil furnace and a 19 year old AC and we got the asking price. I remember the last 15 years of them telling me I needed a new furnace ASAP every time I had it cleaned and I just ignored them because the ...
by snodog
Sat Jul 18, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 8010

Re: A lucky man!

Taylor Larimore wrote:Snodog:

While many wives yearn for more jewelry, your wife wants to keep her old Yaris.

You are a lucky man!

Best wishes.
Taylor
Yes indeed!
by snodog
Sat Jul 18, 2015 5:28 am
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 8010

Re: The " Corolla" investment....

Thanks for posting this as it makes me feel better about keeping my wife's 2007 Yaris. It has 160k trouble free miles on it and I asked her a few weeks ago if she wanted to trade it in for a new Corolla but she said she likes the Yaris and wanted to keep it. It is boring to drive but still feels as ...
by snodog
Fri Feb 20, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 53353

Re: What is your favorite consumer product?

Lately it has been my Carrier gas furnace. It was -3 degrees with 30mph winds this morning but it was sunny and 76 inside :)
by snodog
Sat Dec 13, 2014 8:12 am
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 70
Views: 153809

Re: What temperature for house for long winter absence?

Something you may want to keep in mind is that apparently with some newer high efficiency furnaces you may get condensation on your heat exchanger with temperatures set to less than 60F so be sure to check your owners manual. http://hvac-talk.com/vbb/showthread.php?1675591-Setting-thermostat-too-low...
by snodog
Mon Nov 17, 2014 8:30 am
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 7209

Re: Cost to furnish a condo

We furnished our 2 bedroom condo last year for about $5000. We were tired of our 20+ year old furniture and wanted a more modern look. Bought everything online from Amazon and we are very happy and we've gotten many compliments.
by snodog
Wed Nov 05, 2014 11:23 am
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 7232

Re: What do you set your thermostat to (in F)?

74 during the day in the winter and 71 at night. 78 during the day in the summer and 76 at night. We have ceiling fans in the great room and bedroom which helps. Last year as a birthday present for myself in feb I turned the heat up to 77 and sat around in my shorts. We are in Pennsylvania and heati...
by snodog
Wed Jan 01, 2014 3:31 pm
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 12882

Re: What is your winter thermostat setting (while you are up

We keep it at 74 as anything less we are chilly and there is no reason to be cold in my own house. Putting on a sweater never works for me because its my hands that get cold and I'm not going to wear gloves. Besides gas is cheap with our yearly bill being about $300 and setting it back to 66 would o...
by snodog
Sun Sep 29, 2013 11:27 am
Forum: Personal Finance (Not Investing)
Topic: To convert to natural gas heating ..... or not
Replies: 57
Views: 7602

Re: To convert to natural gas heating ..... or not

No way I'd do it. It was a tossup until you said you may move in 5-10 years. If you decide to sell and move you will never get that money back IMO. Most people do not value heating systems like they should. Not everyone is a boglehead.
by snodog
Fri Mar 29, 2013 5:55 pm
Forum: Investing - Theory, News & General
Topic: Bitcoins Purpose in a Portfolio
Replies: 103
Views: 12979

Re: Bitcoins Purpose in a Portfolio

I don't see any intrinsic value in bitcoins. Even gold has a decent long term history of holding value but I can't even pay my taxes in bitcoin. And just because something is rare or hard to acquire doesn't make it valuable. This is even worse than the tulip bulb mania because with that at least you...
by snodog
Wed Mar 13, 2013 11:30 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 93
Views: 11963

Re: Any Minimalists on here?

When I need to microwave something for 20 seconds, I do it for 22 seconds instead - so that I move my finger one less time. Ha ha ha, I thought I was the only one who did this!! I also use a hand towel to dry off after taking a shower because a regular towel is way too much towel. Wife thinks I'm w...
by snodog
Tue Mar 05, 2013 5:53 pm
Forum: Personal Consumer Issues
Topic: Saving money on Smarphones
Replies: 21
Views: 2262

Re: Saving money on Smarphones

A few months ago I bought a new droidx for $120 on ebay and activated it on page plus with the $29.95/month plan and trashed my dumb phone.
by snodog
Fri Feb 01, 2013 9:55 pm
Forum: Personal Consumer Issues
Topic: How much to spend on a new washer & dryer
Replies: 66
Views: 20102

Re: How much to spend on a new washer & dryer

Agree 100% with the last post. I don't care if I loose a little in efficiency if that means I don't have the hassle of replacing every 5 or so years and going to the laundry mat. We save enough by washing everything in cold water. Simple is better, the problem I am having is not being able to find a...
by snodog
Sun Jan 27, 2013 9:14 pm
Forum: Personal Consumer Issues
Topic: Buying new home before selling old one?
Replies: 16
Views: 3317

Re: Buying new home before selling old one?

Thanks to all who have replied especially whomever mentioned the insurance issues as I never would have thought of that and will need to check on. I have a lot to chew on. For the record as of now I'm kinda leaning towards the HELOC. At my local bank looks like the only fees are an appraisal cost wh...
by snodog
Sat Jan 26, 2013 7:00 pm
Forum: Personal Consumer Issues
Topic: Buying new home before selling old one?
Replies: 16
Views: 3317

Buying new home before selling old one?

My wife and I are looking at upgrading to a nicer home and met with a realtor for the first time last night. I was planning on selling the old home first (or at the same time) as buying the new one and then taking some savings I had along with the old house money (old house is payed off and we are d...