Search found 8023 matches

by Jack FFR1846
Mon Dec 10, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 710
Views: 105403

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

I don't know engines in Foresters well, but quick looks on wiki look like it was an EJ25. With that engine, an oil light means "you've trashed your engine.....if it still runs at all, drive to the junkyard".
by Jack FFR1846
Mon Dec 10, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 710
Views: 105403

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

Interesting. If I ever see an oil light, I immediately shut off the car. Then I figure out the best way to continue. Walk to gas station...call AAA, call someone to bring oil. If the oil plug or filter was loose and gushing oil, its not going to last very long. This is any car And ignoring the oil l...
by Jack FFR1846
Mon Dec 10, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 710
Views: 105403

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

I have another person working here with us that is no going through the same thing with a Subaru that lacked oil and caused the engine to lock up. Do you have details? The old EJ engine oil light was useless as it came on too late. I call it “your engine is toast” light. The newer FA and FB uses a ...
by Jack FFR1846
Sun Dec 09, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 79
Views: 4867

Re: are pre-fabricated homes a bad investment?

First, I'll note that I understand what the OP is asking and it has nothing to do with a trailer. I have friends who had a pre-fab home built. It's in a Chalet style and if they had not pointed out some of the things that sort of make such a house even recognizable vs a stick built house, I would no...
by Jack FFR1846
Sat Dec 08, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for 2nd tier EF?
Replies: 6
Views: 489

Re: Which fund for 2nd tier EF?

Why a fund at all? Mine is US Savings bonds
by Jack FFR1846
Sat Dec 08, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Guitar Players -CAGED system
Replies: 12
Views: 1156

Re: Guitar Players -CAGED system

I got back into guitar after being away from 30 years. Although I perused the CAGED system, I used everything since YOUTUBE is THE place to learn. Not books, not even in-person lessons except for pointed questions on theory, in my case. My 3 years in our church band (very rock based, the Edge from U...
by Jack FFR1846
Fri Dec 07, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Helping in-laws with buy vs lease
Replies: 14
Views: 945

Re: Helping in-laws with buy vs lease

If you're going to cosign for a car, don't. Buy a car and let them use it. If you cosign, you won't own the car and if they decide not to pay, you won't know until it kills your credit. If you're going to cosign a lease, don't. If they decide to go back in a year, it's not your car to be driving but...
by Jack FFR1846
Fri Dec 07, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 49
Views: 7876

Re: We Are Teetering on the Edge of A DEATH CROSS

We need to put this into proper context. First, add lots of reverb (big echo chamber). Next, us a low, monotonous voice to say “DEATH CROSS”.
by Jack FFR1846
Thu Dec 06, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 5865

Re: Wanting to buy on the dip today didn't workout

Does Vanguard not have a "sell to buy" choice? It's how I rebalance at Fidelity. Zero time out of market.
by Jack FFR1846
Thu Dec 06, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1847

Re: How to cheaply replace my smartphone?

Can you reset it to factory settings......then start over?
by Jack FFR1846
Thu Dec 06, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: What Now?
Replies: 11
Views: 1163

Re: What Now?

I'm younger (61) and still working and have to say that I'm a little giddy with the market drop coinciding with my planned release of money to buy. Transfer is going on right now and I'll buy tomorrow. However, if your 12% stake causes you this much grief with a couple percent market drop, I'd say t...
by Jack FFR1846
Thu Dec 06, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Management companies for landlords, pricing?
Replies: 3
Views: 360

Re: Management companies for landlords, pricing?

When I rented my house out back in the late 80's, they charged me 5% of rent.
by Jack FFR1846
Thu Dec 06, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Help lowering my expense ratio
Replies: 13
Views: 1054

Re: Help lowering my expense ratio

Jack's rule (me, not Bogle) is that under $100k saved, AA doesn't matter. Use the lowest ER, period. Interesting, is that just because it's small peanuts up till then? Partly. I've noticed that many times, people with low amounts saved have outrageously complicated portfolios and to me, it's for no...
by Jack FFR1846
Wed Dec 05, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6846

Re: Anybody Miss the Crypto Rage on BH Forums

Beanie Babies
Active management
Magic the Gathering cards
Yu-Gi-Oh! cards
Circle of Gold
by Jack FFR1846
Wed Dec 05, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k portfolio
Replies: 12
Views: 688

Re: Help with Schwab 401k portfolio

My own opinion.....until you have $100k invested, just get US Equity. Don't consider bonds or anything else. So my ultra simple portfolio recommendation is this:

100%: SWPPX - Schwab S&P 500 Index (E/R = 0.03%)
by Jack FFR1846
Wed Dec 05, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off debt or maxing Roth IRA as a resident
Replies: 14
Views: 976

Re: Paying off debt or maxing Roth IRA as a resident

I would normally say that for a "normal person", that paying debt first should be a non-negotiable act. But doctors are not normal people. You doctors....once out in the wild have more money than you can imagine and not enough places to put it. So my own advice would be to max out Roth, 403b and wha...
by Jack FFR1846
Wed Dec 05, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: The best way to invest is through benign neglect
Replies: 16
Views: 2052

Re: The best way to invest is through benign neglect

Benign neglect you say? Fidelity found this to be pretty much in line with people who received the most return from their 401k account. Although it's sort of difficult for one to not neglect your account when you're dead.

Go to the 30:00 point

https://www.youtube.com/watch?v=T71ibcZAX3I
by Jack FFR1846
Wed Dec 05, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about downsizing car
Replies: 27
Views: 1829

Re: Thinking about downsizing car

Us enthusiasts have figured out that it's an Audi. That was easy. I'm at a loss for "sports car" and $48k new. I'd only consider an R8 to be an Audi sports car (I've owned an S4 and it's not even close to being a sports car). In any case, trading from an Audi to a Miata will cost you less going forw...
by Jack FFR1846
Wed Dec 05, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Why buying homes with mortgages is good but buying stocks on margin is bad
Replies: 36
Views: 2883

Re: Why buying homes with mortgages is good but buying stocks on margin is bad

If your house value drops below your mortgage number, you don't get a call or someone coming and selling your house to settle your account.
by Jack FFR1846
Wed Dec 05, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Help lowering my expense ratio
Replies: 13
Views: 1054

Re: Help lowering my expense ratio

100% to 500 Index Fund (JFIVX) (0.63%)

Fill out whatever you need in your AA in other accounts (tIRA, Roth, etc)

Jack's rule (me, not Bogle) is that under $100k saved, AA doesn't matter. Use the lowest ER, period.
by Jack FFR1846
Wed Dec 05, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Home Question, What Would You Do?
Replies: 21
Views: 2043

Re: Home Question, What Would You Do?

With your income and savings, move to a nicer neighborhood, nicer house over this coming weekend. No question whatsoever.
by Jack FFR1846
Wed Dec 05, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Financially Able to Retire?
Replies: 21
Views: 3220

Re: Financially Able to Retire?

Having a pension is a huge plus. But I get a little scared about a few things and personally would take care of them or take them into consideration before retiring. Social Security: Have you factored in the expected drop in payments of 25% around 2035 that's pretty well cemented in? Health insuranc...
by Jack FFR1846
Wed Dec 05, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Odd question re: whole life insurance
Replies: 7
Views: 629

Re: Odd question re: whole life insurance

I am familiar with one of the characteristics of this scenario because my wife and father in law are involved with something similar. My father in law and late mother in law bought some kind of whole life/annuity/who knows policy for my wife when she was a child. They paid who knows what for who kno...
by Jack FFR1846
Wed Dec 05, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3219

Re: Renting out 1st first home; how to get mortgage for second?

What does your mortgage note say about turning the house into a rental? When I rented my house while going away for grad school, mine said that I must immediately notify the lender. At that point, the lender had the options to leave the loan as is, call the note or require a new rental property mort...
by Jack FFR1846
Wed Dec 05, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 87
Views: 7453

Re: Is this normal for an HOA?

What a bunch of sissy complainers. Have “the stones” to ‘spend the time’ and actually get involved with the HOA. The board are neighbors not bureaucrats. Have the stones to step up, man. Everyone has a choice. You can live in a commune and let the almighty HOA make decisions for you and the rest of...
by Jack FFR1846
Tue Dec 04, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Which REIT for Portfolio, should I even get one?
Replies: 25
Views: 1938

Re: Which REIT for Portfolio, should I even get one?

leo28 wrote:
Tue Dec 04, 2018 3:19 pm

Im not exactly sure what part of VTSAX they really make up and if its enough to be diversified in them.
Here's how I look at it. Think of a company who doesn't own ANY real estate, and is part of VTSAX.

There ya go.
by Jack FFR1846
Tue Dec 04, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Stocks to Pay Off Mortgage
Replies: 73
Views: 4962

Re: Out of Stocks to Pay Off Mortgage

I paid my mortgage off long before I ever invested in my first taxable account (around 2002 mortgage payoff vs about 2016 first taxable). But I was always very debt averse and even market averse. Heck, it's why I still have over $350k in savings bonds after selling off $100k over recent years. I do ...
by Jack FFR1846
Tue Dec 04, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1916

Re: Megacorp vs Small Company

Good outcome. It is not possible to make generalizations about "megacorp" vs "private" companies. You really have to take each separately. I've worked for good and bad of both. One of the worst of megacorps paid the most but also has a worldwide double secret program to push people over 55 out the d...
by Jack FFR1846
Tue Dec 04, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 35
Views: 3458

Re: Best online banking accounts?

I use a Redneck Megamoney account (found them through another Boglehead post). They pay 2.25% up to $50k. They have a checking account that pays 2.75% but requires things like direct deposit, use of a debit card and other hoops I'm not willing to do. They tend to be a month or 2 behind whoever is th...
by Jack FFR1846
Mon Dec 03, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Older Dads - how do you plan for your own retirement while still raising kids?
Replies: 38
Views: 5041

Re: Older Dads - how do you plan for your own retirement while still raising kids?

61 with a 22 year old in college (private), starting grad school (public) next year and 18 year old in a special needs high school with plans to start community college next year, then perhaps transfer into state college. Unfortunately, the way to properly plan is to avalanche your debts from the da...
by Jack FFR1846
Mon Dec 03, 2018 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Trying not to use the term timing, but...
Replies: 23
Views: 1843

Re: Trying not to use the term timing, but...

Spaceghost, Please take a look at this JL Collins video. Move it right to the 30:00 point. The study he speaks about applies directly to you. He predicts how your strategy will work. https://www.youtube.com/watch?v=T71ibcZAX3I My advice for you is to put everything into a target date fund, write dow...
by Jack FFR1846
Sun Dec 02, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: What is the lowest 'safe' emergency fund we should have?
Replies: 40
Views: 3837

Re: What is the lowest 'safe' emergency fund we should have?

We are both retired now, but during our working years I always though of our EF as being "tiered". Tier 1 was cash in the bank. Easy and painless to access. Tier 2 was the taxable i-Bonds we held. Very little penalty and pain associated with cashing them in. Tier 3 was equities in taxable accounts....
by Jack FFR1846
Sun Dec 02, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5137

Re: Do you get a year end bonus?

My current company pays bonuses on a quarterly basis. Nothing at the end of the year beyond the normal bonus based on the quarter. One of the bigger tech bonuses I've been aware of was at Linear Technology. There was one year where the bonus paid at the end of a really good year was 125% of total co...
by Jack FFR1846
Sun Dec 02, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3932

Re: Please Recommend a New Car for Me

Golf Sportwagen manual AWD. You might need to wait for one to come in, have it located or order it, but it checks all the boxes you've put there. A Crosstrek would seemingly fit your needs but the difference in solidity between a VW and a Subaru are night and day. Where VW's strength (and BMW and Au...
by Jack FFR1846
Fri Nov 30, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3310

Re: What would you do with $6,000 in gold and silver?

WhiteMaxima wrote:
Fri Nov 30, 2018 7:26 pm
make gold chain and silverware. Gold is the pretty. Silver is good for to make utensil.
Just an FYI: we have a bunch of silverware (silver plate). I brought it to the place where I sell my silver coins now. They pay whatever the base metal is worth......so close to nothing.
by Jack FFR1846
Fri Nov 30, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4036

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

With an option of junking it, let me recommend kludges..... The first question is why doesn't it start. I mean....if the cats are completely blocked, cut them off and replace them with pipes. It'll cost all of $20 diy or a local garage might do it if you tell them you're going to junk it in 6 months...
by Jack FFR1846
Fri Nov 30, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Significant Change in Salary - What to Change
Replies: 21
Views: 2499

Re: Significant Change in Salary - What to Change

From first hand experience, there were 2 things that "conventional thinking" seems to be backwards on. Her mileage went UP 40%, not down. The kids were eventually put into part time day care to give her a break. So the savings there was less than expected. Look at insurance costs, depending on how y...
by Jack FFR1846
Fri Nov 30, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 1619

Re: When to cash in EE Savings Bonds

If you cash them in at a bank or credit union, they will send you a 1099. I've done this many, many times. Lately, I've matched them up with college tuition payments to cancel out the taxes.
by Jack FFR1846
Fri Nov 30, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Tesla Federal tax credit
Replies: 1
Views: 241

Re: Tesla Federal tax credit

......and you need to order by today.

https://tesla-referral.appspot.com/federal-credit

You have to have $7500 in tax liability. If you, for example only have $1000 in tax liability, you'll only get a $1000 tax credit.
by Jack FFR1846
Thu Nov 29, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Debt to Income Issues due to Car Loan
Replies: 20
Views: 1092

Re: Mortgage/Debt to Income Issues due to Car Loan

Moving deck chairs around won't get you the house you're looking for. You're going to have to wait and save more money. I'd suggest looking at the J.L. Collins youtube video from his interview at Google this year. He makes a ton of sense. He also favors renting, even if you can afford a house and ev...
by Jack FFR1846
Thu Nov 29, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: How Do You Evaluate A New Potential Portfolio Addition?
Replies: 14
Views: 820

Re: How Do You Evaluate A New Potential Portfolio Addition?

ER and ease of getting the new investment drive any changes I make. About 5 years ago, I moved my Developed International from Fidelity to Vanguard because Vanguard beat Fidelity on ER. I haven't moved it back because.....I guess I don't know. Even though the new Zero funds include international. I ...
by Jack FFR1846
Thu Nov 29, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: First year with financial planner managing IRA did worse than index fund, should I pull out?
Replies: 24
Views: 2068

Re: First year with financial planner managing IRA did worse than index fund, should I pull out?

To give you an idea just how much your fees are killing you, I extrapolated my fees to your amount invested. In my portfolio, my cost for $237k invested would be $60.67.
by Jack FFR1846
Thu Nov 29, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3310

Re: What would you do with $6,000 in gold and silver?

I bought about $2k worth around 2013. I've sold off a bunch back to the bullion dealer some in 2 sales to the same craigslist guy and some to my electronic scrap dealer, whose price to buy was much higher than the bullion dealer and since I was in there with $100 of ewaste to unload, it was easy to ...
by Jack FFR1846
Thu Nov 29, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: The "lure" of working from home vs getting a better job
Replies: 20
Views: 2086

Re: The "lure" of working from home vs getting a better job

Part of this depends on whether you like to work from home and if you mind commuting. I think a lot of people assume that everyone would like to work from home. I worked from home for 2 years and absolutely hated it. I did everything I could to find a job I could go to. I'm lucky that I found one wh...
by Jack FFR1846
Thu Nov 29, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4198

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

So it's been mentioned a few times along with other information, but to separate things out: Turbos aren't the problem. Certainly not alone. Oil vapors from the crank case causes the problem. The intake valves in engines with port or throttle body injection send fuel into the intake which clean the ...
by Jack FFR1846
Wed Nov 28, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4198

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

runner3081 wrote:
Wed Nov 28, 2018 9:19 pm
Search 2007-2010 BMW 335i and Walnut Blasting. I had one. What a mess. With that said, it won't change my buying habits.
2015 Subaru WRX with 14k miles: intake valves.

Image
by Jack FFR1846
Wed Nov 28, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Pay extra into mortgage or invest, considering Trump's tax plan ?
Replies: 29
Views: 2222

Re: Pay extra into mortgage or invest, considering Trump's tax plan ?

Thanks for your thoughts. Beneath my questions, there's an underlying concern about longer term market returns being less than 5% (after-tax). That being said, our investment time horizon is over 10 years. I can appreciate that opinions or thoughts will vary depending on one's age/stage and how clo...
by Jack FFR1846
Wed Nov 28, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 44
Views: 2726

Re: Do Fidelity Offices/Advisors Add Value?

I like that a brick and mortar office has a "random dude" who is at the desk when I walk in. I can hand him a confusing form from a "from" company when rolling into Fidelity. He'll go through and fill it out, notarize it and give me the proper addresses. All this while my assigned advisor is in an o...
by Jack FFR1846
Wed Nov 28, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Pay extra into mortgage or invest, considering Trump's tax plan ?
Replies: 29
Views: 2222

Re: Pay extra into mortgage or invest, considering Trump's tax plan ?

Either is a good move and neither is a slam dunk way to go. Is paying off the mortgage really important to you? When you close your eyes and think about the day when the first of the month rolls around and you could write out a check for the same amount to lease a Lamborghini instead of paying for t...