Search found 648 matches

by arsenalfan
Sun Oct 21, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2713

Re: Why Purchase an Automobile using Premium Gasoline?

Not I.
Bought 3 cars that "required" 93 octane+ for best performance.
Have used regular unleaded, just fine, x 10-13 years.
Shhh...don't tell anyone.
by arsenalfan
Sun Oct 21, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: What ETF to keep in a Merrill Edge account for Platinum Honors
Replies: 10
Views: 827

Re: What ETF to keep in a Merrill Edge account for Platinum Honors

Sounds good to me.
BoA is my primary checking. I keep my "emergency fund" in my state muni bond fund, as well as a state muni bond ladder.
Takes about 2 business days to sell bond fund and put into BoA checking.
by arsenalfan
Sun Oct 21, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: USAA homeowner's insurance question
Replies: 10
Views: 454

Re: USAA homeowner's insurance question

Super helpful DIFAR31.
I never thought to add the other, non-USAA partners, to the Umbrella.
Can you let me know if it costs more to add your other partners? Thanks!
by arsenalfan
Sun Oct 21, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: USAA homeowner's insurance question
Replies: 10
Views: 454

Re: USAA homeowner's insurance question

Please ask the USAA Rep and let us know what s/he says.
Also, more info: residential/commercial rental, operating as LLC?
My understanding is that LLC insurance, then umbrella for you, covers it. And all partners should list on their umbrella policies.

PS We all are non-military.
by arsenalfan
Sun Oct 21, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: USAA homeowner's insurance question
Replies: 10
Views: 454

Re: USAA homeowner's insurance question

I have USAA umbrella & "walls-in" H-06 policy that includes my 24 rental condos, all via LLC and mulitple different partners.
The LLC is named as am I on the exact address; they never asked for partners' info.
by arsenalfan
Sun Oct 21, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5502

Re: Pull kids from school for vacations?

I can assure all that neither my son nor I will regret the time we spent traveling together. Life is short and so is childhood. They leave home so fast. And trust me, plenty of time is wasted in school — it’s not wall-to-wall learning. He spent two hours planning a class pickle festival the other d...
by arsenalfan
Sat Oct 20, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10302

Re: Should we move to San Diego from east coast?

Yes.
You can watch the Red Sox win the World Series, and go to bed at 9pm.
by arsenalfan
Sat Oct 20, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5502

Re: Pull kids from school for vacations?

Not directed any any particular poster, but why are so many people mentioning their kids' grades? Does the answer to the OP depend upon the kids' IQs, grades, popularity, something else? Or does the answer to the OP cause the good grades? I think it's to clarify that they aren't sacrificing academi...
by arsenalfan
Sat Oct 20, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5502

Re: Pull kids from school for vacations?

OP I would meet with teacher and/or principle and try to get the blessing for such a trip.
And if it's a hard no, then find out the consequences.
Be curious to hear the answers to those questions, and also their rationale.
by arsenalfan
Sat Oct 20, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5502

Re: Pull kids from school for vacations?

We have pulled our elementary kids for about 9 extra days per school year. 3-4 are extra days from a holiday weekend, making it a 4 day weekend. The others are on the front end of holidays (XMas, Spring Break, etc) - in our system, nothing is learned the last 2 days prior to vacations. Both kids got...
by arsenalfan
Wed Oct 17, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6318

Re: Did you retire because you hit your number?

No.
I enjoy my work and scaled back the parts I did not like.
"If it's not fun, why do it?" has become my mantra at work.
It is more of a hobby now, stimulating but with hours that are conducive to my lifestyle.
Once the kids leave the nest in a decade, I will reevaluate.
by arsenalfan
Fri Oct 12, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3139

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

I would tune up the Volvo, if you are planning on keeping it another 5 years.

3 years ago we had the same situation but with a 2005 minivan & 120k miles.
We spent $2k on it (tires, fluids, AC, bushings, timing belt, misc stuff). 3 long road trips later, it is at 160k and doing great.
by arsenalfan
Sat Oct 06, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: pre med then med school factors
Replies: 18
Views: 827

Re: pre med then med school factors

How people feel about their careers is hugely anecdotal. I know professionals, in and outside of medicine, who say they couldn't have done anything else. Conversely, I know professionals who say they wish they'd done anything else. If it is OP's perspective going in as a college kid, then do somethi...
by arsenalfan
Sat Oct 06, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: pre med then med school factors
Replies: 18
Views: 827

Re: pre med then med school factors

I empathize. Endocrinology can suck. Presented as a bunch of tightly regulated feedback loops...then the real world of non compliant diabetics/vasculopaths enters, complete with all the individual, social, and economic failures contributing to the problem. But it sounds like her system is suboptimal...
by arsenalfan
Sat Oct 06, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: pre med then med school factors
Replies: 18
Views: 827

Re: pre med then med school factors

Which one is worse, having realistic expectations upfront, or starting down the MD path purely out of passion and then burning out from the issues mentioned by the OP? Both are no-win. If those are the OP's expectations, would you want that person being you eventual doctor? Med student/intern/resid...
by arsenalfan
Sat Oct 06, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: pre med then med school factors
Replies: 18
Views: 827

Re: pre med then med school factors

If that's the young person's perspective going in, then no. That's pretty cynical and jaded thinking already, and they won't enjoy "giving up their 20s" for medicine, and probably be a lousy doctor if they're already thinking this way already. The best physician colleagues I have enjoy going to work...
by arsenalfan
Wed Oct 03, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11758

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

caveat emptor.
Have your realtor tell their realtor no.
by arsenalfan
Mon Oct 01, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9184

Re: Suze Orman - "I hate the FIRE movement."

She's a firebrand spitfire and a bit "sensational" - easy to see why she was such a magnetic personality and prolific hit. A bit too ranting for my style, but I digress... I listened to her on Stacking Benjamins last week, and she basically profiles her rapid ascent to multimedia financial guru. The...
by arsenalfan
Thu Sep 27, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: solar panels with payback of 8-10 years?
Replies: 24
Views: 2264

Re: solar panels with payback of 8-10 years?

I'd place SREC value at $0 in your ROI equation. Sure NJ is $200, but look at MD - it once was in the $100 range, now it is $5. We did it. 12kw system, total cost after rebate/tax break was $20k, ROI is 11 years. As we plan on being in home 20 years, pretty straightforward. Year 3 currently. Fun to ...
by arsenalfan
Mon Sep 24, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8693

Re: Minimalist Lifestyle

How do we avoid hoarding: 1. Wait 72 hours before buying something you don't NEED. 2. After 72 hours, discuss with partner any extraneous purchase you're still wondering about/anything >$XXX. 3. Greendrop/Amvets donations: they come to your house. Family has younger kids. If worth your time, ebay or...
by arsenalfan
Thu Sep 20, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9359

Re: Are We Headed For A Passive Index Meltdown?

Author is CEO of Mutual Fund Company with ER in 1-3% range.
USGDX their US Government Ultra Short Term Bond Fund has ER 1.03%
Vanguard VUBFX Ultra Short Term Bond Fund ER is 0.2% (and 0.1% Admiral).
by arsenalfan
Wed Sep 19, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25241

Re: What is your single most expensive mistake?

LIke Scooby Doo, it's those meddling kids.

"Financial Independence. I would've gotten away with it...if it wasn't for those pesky kids!"
by arsenalfan
Thu Sep 13, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3686

Re: Should I get a new iPhone?

Camera gets me every time. My mobile has become my primary camera for obvious reasons. Phones have destroyed the portable camera market...for good reason. I would not hesitate in your shoes given the difference in camera speed/image quality coming from a 6+. You will find the dual camera to be fanta...
by arsenalfan
Thu Sep 13, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3063

Re: How to determine quality of a finished new construction home

Track record of builder, and willingness to stand by it are what really matter. To find out after product is built: Ask buyers of prior homes. Ideally from homes built 1, 5, 10 years ago to see how they've held up/responsive to afterpurchase repair requests. If development, ask neighbors in this dev...
by arsenalfan
Thu Sep 13, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 192
Views: 35255

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

The psychological value of a paid-off mortgage differs for everyone, negative (regret) to positive. I believe this is why there are so many "should I pay off my mortgage or invest" threads. I believe that I've only heard one person ever express sincere regret over paying off their mortgage. But thi...
by arsenalfan
Thu Sep 13, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 2457

Re: Free credit freezes and un-freezes after Sep 21, 2018

I froze my and my partners' credit at Innovis, Transunion, Experian & Equifax. Recently I needed to unfreeze for a credit card. Called Transunion, entered SSN and PIN# and specified # of days I wanted the thaw. All automated. Went fine, took 2 minutes (one to find the paper I made with all the pin#s...
by arsenalfan
Wed Sep 05, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 192
Views: 35255

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

The psychological value of a paid-off mortgage differs for everyone, negative (regret) to positive. I believe this is why there are so many "should I pay off my mortgage or invest" threads. It's like those old Visa ads: Feeling of a paid-off mortgage: Priceless. I owe $800k on $1.8 MM mortgage @ 3.3...
by arsenalfan
Mon Sep 03, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3198

Re: How often do you change your HVAC filters?

15x30x1 2 systems
Was told to buy cheapest and replace monthly
by arsenalfan
Mon Sep 03, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3297

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

They are both high fliers, that is for sure.

Lots of pro/con, more con since BH is an index forum.

Amazon $2012
Alphabet $1231

Let us know how much you put in and the stock price, and let's see what happens! We can all learn from each other.
by arsenalfan
Mon Sep 03, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3658

Re: If the market is so hard to beat, why did a rapper beat it by 40%?

High risk, high reward.
Mr West was $53MM in debt 2 years ago.
by arsenalfan
Fri Aug 31, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Investing in taxable vs mortgage
Replies: 17
Views: 1978

Re: Investing in taxable vs mortgage

Whoop right. Edited my post.
by arsenalfan
Fri Aug 31, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Investing in taxable vs mortgage
Replies: 17
Views: 1978

Re: Investing in taxable vs mortgage

Assuming you have an adequate emergency fund, I would

(Backdoor Roths deleted - PFInterest points out OP has tIRA/SEPIRAs making backdoor ineligible).
2. $6900 HSA investment if available
3. Pay down mortgage to $1 MM then let it ride.
by arsenalfan
Tue Aug 28, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2647

Re: Cars... just another tool unless your a tool.

I agree. Safety, reliability, comfort and transportation storage of people/animals/things...beyond that you're paying for a (life)style idea. Granted safety can mean torque and acceleration performance, if you're on a crazy highway or have a short on-ramp, etc. Filling out a net worth statement rece...
by arsenalfan
Thu Aug 23, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3060

Re: Healthcare Careers

Midlevel Provider is my recommendation. A pretty sweet spot - still with the flex hours & direct patient care, but better pay. NP, Surgical PA, CRNA. For RNs: All the great RNs I know get promoted up a ladder to Charge RN, then kind of hit a ceiling in terms of salary. If they want furthe r career/m...
by arsenalfan
Wed Aug 15, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 24
Views: 2356

Re: Chevy Volt for Commute

Look at Bolt also. Plug in every 4-5 days vs every night with the volt.

As you prob already know the max GM fed credit likely phases out in next 2 quarters as they’re close to the 200k electric car limit.
by arsenalfan
Fri Aug 10, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 1127

Re: Rental Property as an Investment?

Call selling realtor
Find out why deals fell through and inspections.
Price of a phone call
by arsenalfan
Fri Aug 10, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 1127

Re: Rental Property as an Investment?

Best guess: Looks like someone's rehab ran into structural issues.
I'd definitely pay $2-3k for a strucutral engineer and general contractor to examine the entire place, before investing.
Great location in North Adams next to Mass MoCA and maybe MCLA, but property has a steep grade.
by arsenalfan
Tue Aug 07, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Whole house generator
Replies: 31
Views: 1853

Re: Whole house generator

Your price seems fair; my HCOL east coast 20kw Kohler install with transfer switch = $9275 in 2012. We have a subpanel, basically what we want on if the power's out for 3-7 days in winter or summer: heat/hotwater/entire kitchen (including all refrig/freeezer), first & second floor. We did without th...
by arsenalfan
Sun Aug 05, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9710

Re: Do We need health insurance??

Yes. Pennywise and pound foolish. I have taken care of 1. 50-something healthy man turning tan = new onset metastatic pancreatic cancer, who has no health insurance. 60+ day inpatient stay, 32+ days ICU intubated, 8 surgeries, going to rehab facility. Who knows how long they will be there/what that ...
by arsenalfan
Sat Aug 04, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Additional income strategies
Replies: 9
Views: 1164

Re: Additional income strategies

If you meet accredited investor criteria and wish to forgo direct RE ownership, consider syndicated RE investment. Caveat emptor it's a new space, but the investment amounts aren't as large.

https://www.whitecoatinvestor.com/real-estate-update/
by arsenalfan
Sat Aug 04, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 5159

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

Gill, if it's a legitimate 501c3, how is the DAF donating to it not legitimate?

Agree it seems fishy though.
by arsenalfan
Sat Aug 04, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 5159

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I don't see a problem if it's a 501c3.
Be sure the 501c3 lets you designate funds specifically towards your kids team.
by arsenalfan
Sat Aug 04, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4150

Re: Suggest an electric car: Volt? Alternative?

Bolt was what I'd buy now if I hadn't repaired GTI. I'd have to plug in Bolt every weekend. Volt I'd have to do every night. I hate refueling the GTI every other week - and I'd also hate having to plug in the volt every night (I'm OCD that I'd prob do it rather than risk run out of battery). So the ...
by arsenalfan
Fri Aug 03, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4150

Re: Suggest an electric car: Volt? Alternative?

Repaired the GTI for $1700. $950 in labor probably need a cheaper mechanic.
Fingers crossed it lasts another 5-7 years. Has 60k miles now.
Fun to think what the electrics will look like in 2023
by arsenalfan
Fri Aug 03, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a brokerage account for minors
Replies: 5
Views: 482

Re: Opening a brokerage account for minors

Fidelity Roth IRA for Minors
has to be their earned income
by arsenalfan
Fri Aug 03, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with an Au Pair?
Replies: 8
Views: 1463

Re: Anyone have experience with an Au Pair?

HCOL area. When kids young we used one nanny who had flexible hours (could come at 6am if we were called into work etc). This was good when the kids were younger, and couldn't report reliably any weird stuff. $40k for 45 hours per week. This was a very reliable 50yo woman with grown college age kids...
by arsenalfan
Fri Aug 03, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 35
Views: 3323

Re: Used Chevy Volt - Which year should I look at?

Thanks for the update, especially pricing details.