Search found 627 matches

by yatesd
Sat Feb 27, 2021 4:28 pm
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 147
Views: 7291

Re: Car suggestion for 70+ year-old mom

A vote for Toyota RAV4. My wife got one about 18 months ago and loves it. It sits up much higher than a sedan, but a lot lower than a larger SUV. And it’s a Toyota! Excellent reliability. It sounds like the OP's mom is against foreign vehicles so a Toyota is probably not the most relevant suggestio...
by yatesd
Sat Feb 27, 2021 11:19 am
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 147
Views: 7291

Re: Car suggestion for 70+ year-old mom

Based on your scenario, I would put the Ford Escape on your short list. The new Buick Envision looks really nice and Chevy Equinox might fit the bill.

https://www.ford.com/suvs-crossovers/es ... r-suvs-vhp
by yatesd
Wed Feb 24, 2021 5:26 am
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 103
Views: 7524

Re: which snow blower ?

I currently own a Toro single stage snowblower I am happy with for my smaller driveway in MD. The advantage of single stage is they tend to clean the driveway better with their rubber impeller. I also owned a rebranded Ariens (John Deere green to match my tractor). It was the large 28 inch version w...
by yatesd
Sun Feb 21, 2021 7:03 pm
Forum: Personal Investments
Topic: Growth in International Funds?
Replies: 25
Views: 2322

Re: Growth in International Funds?

I’m looking to rebalance my 401k and wanted feedback on allocation. I currently have my 401k invested in 50% SPY and 50% VXF. I used to have 100% VTI but since I have a minimum of 20 years of work left, I wanted to increase my exposure to small-mid caps. I understand from reading a variety of artic...
by yatesd
Sun Feb 21, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: Best Combination of Travel Cards?
Replies: 87
Views: 4811

Re: Best Combination of Travel Cards?

I don’t need to convince anyone the Amex Platinum is worth it for me…it seems like other are trying to convince me otherwise. I won’t bother arguing every point. However, I will provide a few more examples: - All 3 of my family members have benefited from the reimbursed Global Entry fee (1 card) - I...
by yatesd
Sun Feb 21, 2021 8:42 am
Forum: Personal Consumer Issues
Topic: Best Combination of Travel Cards?
Replies: 87
Views: 4811

Re: Best Combination of Travel Cards?

These are the main benefits I receive from the Amex Platinum card for travel. Status (free breakfast, upgrades, etc.) - Marriott - Hilton - National - Hertz - Avis Free Global Entry - $200 airline credit/ more recently travel credit that came off a cruise - Cruise line benefits - $200 Uber/Uber Eats...
by yatesd
Sun Feb 21, 2021 8:28 am
Forum: Personal Consumer Issues
Topic: Best Combination of Travel Cards?
Replies: 87
Views: 4811

Re: Best Combination of Travel Cards?

The problem for Amex, of course, is the fact that a ton of their cardholders travel with their families or other companions, so limiting lounge access to just the cardholder would cause a lot of them to drop the card. Amex doesn't want them to do that, as they see their Platinum card as another way...
by yatesd
Sun Feb 21, 2021 8:23 am
Forum: Personal Consumer Issues
Topic: Best Combination of Travel Cards?
Replies: 87
Views: 4811

Re: Best Combination of Travel Cards?

The problem for Amex, of course, is the fact that a ton of their cardholders travel with their families or other companions, so limiting lounge access to just the cardholder would cause a lot of them to drop the card. Amex doesn't want them to do that, as they see their Platinum card as another way...
by yatesd
Sun Feb 21, 2021 6:57 am
Forum: Personal Consumer Issues
Topic: Best Combination of Travel Cards?
Replies: 87
Views: 4811

Re: Best Combination of Travel Cards?

The problem for Amex, of course, is the fact that a ton of their cardholders travel with their families or other companions, so limiting lounge access to just the cardholder would cause a lot of them to drop the card. Amex doesn't want them to do that, as they see their Platinum card as another way...
by yatesd
Sun Feb 21, 2021 6:40 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 178
Views: 11630

Re: Changes to LastPass free

I’m in the same boat. I actually prefer to pay for apps (at a discount, and preferably one time fee) so I have an service level agreement. I originally paid $12 a year until they doubled their price and the free version was enhanced to include everything I needed. I’ve researched a few options and d...
by yatesd
Sat Feb 20, 2021 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: New teen driver.
Replies: 20
Views: 1376

Re: New teen driver.

My insurance doubled when my daughter got added last year. I suspected it would. I'm suspecting it to go even higher now. In the last few months she's had the following incidents: (a) When swerving to miss a deer made contact with a brick encased mailbox causing about $8k of damage to the car (b) R...
by yatesd
Sun Feb 07, 2021 5:57 am
Forum: Personal Finance (Not Investing)
Topic: How do you protect your paid off house?
Replies: 41
Views: 4144

Re: How do you protect your paid off house?

Most people use insurance, including umbrella insurance of an appropriate amount. How do you know that most people use umbrella insurance? Have you done a survey? I believe you are reading this quote inaccurately. This answer is based on the original question. Most people concerned about liability ...
by yatesd
Fri Jan 22, 2021 9:39 pm
Forum: Personal Consumer Issues
Topic: Buying a new car - what should I physically inspect on the car?
Replies: 15
Views: 1494

Re: Buying a new car - what should I physically inspect on the car?

I will also say, Relax. if you find something wrong later, the dealer will fix it. I agree, the benefit of buying a new car is that it comes with a factory warranty. Even a 1,000 miles is not much in the scheme of things. I would just make sure there are no dents and make sure the deal is done as a...
by yatesd
Wed Nov 25, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Car will fit in garage with one inch to spare - thoughts?
Replies: 111
Views: 9119

Re: Car will fit in garage with one inch to spare - thoughts?

Transit Connect passenger van? Minivans are awesome and those that suggest it isn't needed have never experienced the practicality and all around goodness. That being said, I also thought this might be a decent alternative. Essentially a "city van". https://www.ford.com/trucks/transit-con...
by yatesd
Sun Nov 22, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 145
Views: 6233

Re: What charity are you donating to this Christmas season?

We give throughout the year to our church, Salvation Army, Samaritan's Purse, and our volunteer fire department.
by yatesd
Sat Nov 14, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: Microsoft urges users to stop using phone-based multi-factor authentication
Replies: 83
Views: 9139

Re: Microsoft urges users to stop using phone-based multi-factor authentication

Microsoft is addressing the wrong crowd. I do not decide what type of 2FA I use. That is setup by the bank or financial institution. I have to follow the authentication method they provide. This is not a user based decision. I will ignore the MS concerns. Not entirely true. I have utilized Google, ...
by yatesd
Sun Nov 01, 2020 7:44 pm
Forum: Personal Investments
Topic: twitter 20% drop
Replies: 55
Views: 6150

Re: twitter 20% drop

I may be wrong, but it seems to me that the future belongs to technologies and COVID-19 most likely has accelerated the process. Good companies do not automatically make good stocks. The problem is not that technology is the future. The problem is that people overbid for those assets today. This le...
by yatesd
Sun Nov 01, 2020 7:22 pm
Forum: Personal Investments
Topic: twitter 20% drop
Replies: 55
Views: 6150

Re: twitter 20% drop

I may be wrong, but it seems to me that the future belongs to technologies and COVID-19 most likely has accelerated the process. Good companies do not automatically make good stocks. The problem is not that technology is the future. The problem is that people overbid for those assets today. This le...
by yatesd
Sat Oct 31, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Account Misinformation Correction Thread
Replies: 60
Views: 4621

Re: Vanguard Brokerage Account Misinformation Correction Thread

That seems right. I don't like dividends being thrown into a money market account rather than being reinvested. I switched to ETF's begrudgingly, because Vanguard starting offering lower fees on the ETF equivalent. The change also messed up my single pane of glass view for my wife and I. First it w...
by yatesd
Sat Oct 31, 2020 9:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Account Misinformation Correction Thread
Replies: 60
Views: 4621

Re: Vanguard Brokerage Account Misinformation Correction Thread

That seems right. I don't like dividends being thrown into a money market account rather than being reinvested. I switched to ETF's begrudgingly, because Vanguard starting offering lower fees on the ETF equivalent. The change also messed up my single pane of glass view for my wife and I. First it w...
by yatesd
Sat Oct 31, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Are cheap all-in-one printers fine?
Replies: 28
Views: 2110

Re: Are cheap all-in-one printers fine?

I've never been disappointed with the HP Pro printers you can get at Sam's club or Costco for around $200. Advantages: - low cost of operation (compared to cheaper versions) - duplex - Nice duplex capable scanners - Decent paper capacity - Faster I also buy the XL (large capacity cartridge) value pa...
by yatesd
Sat Oct 31, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Account Misinformation Correction Thread
Replies: 60
Views: 4621

Re: Vanguard Brokerage Account Misinformation Correction Thread

That seems right. I don't like dividends being thrown into a money market account rather than being reinvested. I switched to ETF's begrudgingly, because Vanguard starting offering lower fees on the ETF equivalent. The change also messed up my single pane of glass view for my wife and I. First it wa...
by yatesd
Sat Oct 24, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 59
Views: 3842

Re: Trail sneakers

I also need wide toe box. So far, Ecco has worked well for me. Any other brands I should look at? I've tried a few brands including Merrill and New Balance, but my new favorite are these Salomon's. They specifically tout a wide toe box to help as your toes swell on longer hikes. I wasn't sure if I ...
by yatesd
Fri Oct 23, 2020 6:09 am
Forum: Personal Investments
Topic: Going “all in” on paying mortgage
Replies: 178
Views: 14691

Re: Going “all in” on paying mortgage

In 2004 we put 50% down. Paid off the mortgage within 12 months by eschewing all other investing/saving and making the mortgage payoff the sole priority. The only regret is that if we knew the housing market would collapse a few years later we would have put down the least possible and defaulted on...
by yatesd
Wed Oct 21, 2020 7:58 pm
Forum: Personal Investments
Topic: Going “all in” on paying mortgage
Replies: 178
Views: 14691

Re: Going “all in” on paying mortgage

In 2004 we put 50% down. Paid off the mortgage within 12 months by eschewing all other investing/saving and making the mortgage payoff the sole priority. The only regret is that if we knew the housing market would collapse a few years later we would have put down the least possible and defaulted on...
by yatesd
Sun Oct 18, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: Shouldn’t have canceled YouTube premium
Replies: 37
Views: 5107

Re: Shouldn’t have canceled YouTube premium

That sounds like illegal activity like stealing? Do moderators approve of this activity? (Very yappy YouTube Premium customer on the family plan 14.99/month) IMHO what is ethical is giving special pricing or offers for only certain people. Students are generally kids of wealthy parents. These tech ...
by yatesd
Sun Oct 18, 2020 8:19 pm
Forum: Personal Investments
Topic: At what age did you start moving into bonds?
Replies: 79
Views: 4617

Re: At what age did you start moving into bonds?

I've always had some bonds. I tried following the advice age in bonds but always tilted more aggressive. I just turned 50 and have about 20% in bonds. For the last 10 years or so...I do my best to mimic Vanguard's glide path for target funds. For me, it helps "keep me on track" and I readj...
by yatesd
Sun Oct 11, 2020 4:25 am
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 10974

Re: "Nice" furniture recommendations

I've been relatively pleased with our furniture from Ethan Allen & Lazy Boy, we also bought a Stressless loveseat. Some of our other furniture makers have since went out of business. My suggestion is to not necessarily skip Lazy Boy. An American owned company that leans more towards the "va...
by yatesd
Mon Sep 28, 2020 4:29 am
Forum: Personal Consumer Issues
Topic: Does anyone recommend this $350 laptop?
Replies: 51
Views: 3930

Re: Does anyone recommend this $350 laptop?

My understanding Acer now owns the Gateway brand and is marketing it exclusively through Walmart. Although I personally, would lean towards 8GB RAM and 256GB HD, for the average casual user, this should work fine for web browsing. Here is a place to give you alternative ideas: https://slickdeals.net...
by yatesd
Sun Sep 27, 2020 5:57 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 127
Views: 14014

Re: Oil change disaster

Ironically, this happened to me earlier this year. I thought it would be nice to teach my 15 year old daughter how to check the oil, and had her add about 1/3 of a quart. A day later I saw smoke, oil leaking, and oil splattered all over the engine. She put the cap back on, but didn't screw it tight....
by yatesd
Sun Sep 06, 2020 8:29 am
Forum: Investing - Theory, News & General
Topic: Is it really passive index if S&P actively excludes Tesla?
Replies: 160
Views: 12246

Re: Is it really passive index if S&P actively excludes Tesla?

OK, I'll throw in a few comments: - S&P 500 not 100% passive...interesting, I am not seeing the intentional exclusion of particular companies. I would be more concerned if they decided to exclude certain companies for political correctness, or some non-financial criteria. Seems like Tesla may be...
by yatesd
Sun Sep 06, 2020 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3076

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

I am not totally against insurance, but am against paying too much. What are you insuring against? - 20 year max IMHO, I chose 15 year when my daughter was born under the assumption my 401K would be larger by then (I was right). I was the only breadwinner. - Seems like an awful lot to insure for tha...
by yatesd
Thu Aug 20, 2020 6:01 am
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4831

Re: Approach to "News" Consumption

I'll just add that once you accept the fact that all news is entertainment...a business that gets paid through viewership and ads, you at least understand why it is so polarizing. Not sure how to fix it...my wish list: - News would be independent of ad revenue - Increased pushback from misleading ar...
by yatesd
Wed Aug 19, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: Anyone noticed La-Z-Boy quality has declined?
Replies: 31
Views: 4137

Re: Anyone noticed La-Z-Boy quality has declined?

It seems like some people are chiming in who have no understanding about La-Z-Boy offerings. I own 3 recliners (2 La-Z-Boy & Ethan Allen) and from my perspective the quality is similar and neither look like traditional recliners. I like that La-Z-Boy is an American owned furniture company with d...
by yatesd
Wed Aug 19, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4831

Re: Approach to "News" Consumption

I primarily use: - Wall Street Journal - Fox News - Rush Limbaugh - NPR Most news sources have declined and are aggregated from AP and Reuters with the increasing goal of using headlines for "click bait" to improve ad revenue. A year ago, I would have bragged about WSJ. Today, it seems the...
by yatesd
Tue Aug 18, 2020 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10050
Views: 710179

Re: Refinance Mega Thread

Hello everyone. First post from a long time novice lurking and sucking up all the wisdom from everyone(thank you). I couldn’t help but finally create an account because I’m just failing at making progress on this one. I’m surprised at how everyone is able to get such low interest rates. I’m not abl...
by yatesd
Sun Aug 16, 2020 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Employee Over Paid by Six Digits
Replies: 36
Views: 4160

Re: Employee Over Paid by Six Digits

As a business owner I’m on board with advice from Stinky’s post. Assuming you are correct in your assessment of your partner and it was a mistake, absolutely don’t go back for reparation. The 2 of you need to focus on running and continuously improving the business. Spending time assessing value of...
by yatesd
Sun Aug 16, 2020 5:52 am
Forum: Forum Issues and Administration
Topic: new controversial issue
Replies: 16
Views: 2232

Re: new controversial issue

I believe the safest, and most prudent action would require not changing anything in regards to moderation of the forum.
by yatesd
Fri Aug 14, 2020 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Real estate agent - breach of fiduciary duty
Replies: 27
Views: 3184

Re: Real estate agent - breach of fiduciary duty

Not 100% sure, but my initial thoughts:

- Ask agent's broker to reassign someone else
- Send formal complaint to broker (if not successful, part of larger agency?, escalate)
- If necessary, send formal complaint to any relevant government oversight
by yatesd
Sat Aug 08, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself in a jam at credit card
Replies: 18
Views: 2076

Re: Got myself in a jam at credit card

Could you give us some additional background? Is this a legitimate vendor, third party vendor, US based, etc. Very hard to follow.

Not sure there is anything wrong with sharing the vendor or platform name...
by yatesd
Tue Aug 04, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1751
Views: 162802

Re: My LenderFi refinance is going well

For those refinancing with Lendersfi. Which company is the loan transferred to? I see that it shows on my docs that Lendersfi will transfer the loan. Is it one of the big banks, like Chase, Bank of America, Wells Fargo, etc? BSI Financial Services does the loan servicing. Is this the same company.....
by yatesd
Wed Jul 29, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10050
Views: 710179

Re: Refinance Mega Thread

I've been lurking on the thread but didn't contribute. I'm refinancing approximately $500K for a 20 year fixed. Originally went with Better.com on a 2.875 rate but had trouble getting hold of a real person during the refi and the rates had also fallen. I thought I would cross check Lender Fi and was...
by yatesd
Sun Jul 26, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing Debate - 15yr (pay mortgage quicker) or 30yr (increase cashflow)
Replies: 32
Views: 1997

Re: Refinancing Debate - 15yr (pay mortgage quicker) or 30yr (increase cashflow)

I'd find a 20 year mortgage, and split the difference: less interest paid, shorten the term, AND increase cash flow. This is what I did. In an ideal situation, I would go with the 15. But at 50 years old, being mortgage free before retirement is also important. I live in a HCOL area. 20 year split ...
by yatesd
Tue Jun 30, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: SUV, 2 row, 40k USD
Replies: 41
Views: 3146

Re: SUV, 2 row, 40k USD

A Lincoln might also work. The last few years they seem to have stepped up their game. Lincoln Corsair https://www.lincoln.com/luxury-crossovers/corsair/ BMW X3 https://www.bmwusa.com/vehicles/x-models/x3/sports-activity-vehicle/overview.html Infiniti QX50 https://www.infinitiusa.com/vehicles/crosso...
by yatesd
Tue Jun 30, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: SUV, 2 row, 40k USD
Replies: 41
Views: 3146

Re: SUV, 2 row, 40k USD

I would at least look at a new or certified used Audi Q5. Drove one when these first came out and was very impressed.

https://www.audiusa.com/models/audi-q5
by yatesd
Sun Jun 07, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 499
Views: 31925

Re: What fun car should I get in the $150k - $200k range?

Depends on what you really want...I would be tempted by the new Corvette, 911, Ferrari, and the Audi. That said, I'll throw you a curve ball...I could also see myself enjoying a Bentley Continental. I would certainly enjoy it for picking up bagels! https://www.caranddriver.com/reviews/a28186665/2020...
by yatesd
Sun May 03, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2586

Re: Aeropress coffee machine stuck in shipping

I am a big fan of buying whole bean, fresh grind, and using a french press. Very easy, and the cheapest way to get great quality. $100 for decent grinder, and $20 for French Press. Most of the time, I use my $4k setup with an espresso machine and commercial grinder, but it is overkill for most peopl...
by yatesd
Thu Apr 30, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Safe Driving App
Replies: 45
Views: 3485

Re: State Farm Safe Driving App

I hate the concept. A ridiculous invasion of privacy, supposed benefits that will eventually cost shift to people concerned about privacy. Here is the thing...accelerating fast, braking fast, and speeding don't cost the insurance company any money. Driving like an idiot, not using turn signals, and ...
by yatesd
Fri Apr 10, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Laptop buying advice
Replies: 41
Views: 3252

Re: Laptop buying advice

I think a few things to consider: - Choose high quality brand (Mac, Microsoft, Dell, Lenovo, HP, etc.) - Choose higher quality line within brand (ex: XPS or commercial for Dell) - I consider myself a power user but don't really run VM's. For me 8gb RAM and 256gb HD is sufficient - Compare apples to ...