Search found 938 matches

by StevieG72
Mon Aug 19, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: RV purchase ?
Replies: 25
Views: 1353

Re: RV purchase ?

Are you experienced pulling trailers?

I am not and would not care to do so too often.

The pulling part is not too bad, its the pushing ( backing ) that gets tricky!
by StevieG72
Sun Aug 18, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Front load washer mold
Replies: 15
Views: 1243

Re: Front load washer mold

Considering the additional cost as well as the issues with the gasket mold on the front load machines, I will stick with my top load washer. Keep it simple!
by StevieG72
Sun Aug 18, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: What do you think about this Prosper loan to pay off car home Reno etc
Replies: 30
Views: 1419

Re: What do you think about this Prosper loan to pay off car home Reno etc

Do not take the Prosper loan for car, for home renovations, or the business idea. Heloc would be better for home renovations, but it is NEVER a good idea to use your home as an ATM. It really is better to save for all of the expenditures you mentioned. Make sure you do your due diligence on the busi...
by StevieG72
Sat Aug 17, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 96
Views: 8245

Re: Personal Flagship Representaive Going Away

Meh...

I don’t need a personal representative. On the rare occasion that I call things get taken care of just fine.
by StevieG72
Sat Aug 17, 2019 5:39 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 60
Views: 6674

Re: Don’t put new money in market right now??

The late John Bogle received the advice early in his investment career that “Nobody Knows Nothing”.

I have seen this play out as a true statement numerous times.

Invest early, invest often, keep it simple, & ignore the noise. It really is that easy!
by StevieG72
Sat Aug 17, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 125
Views: 8187

Re: Aliens have captured my husband

If your family can afford it, support the indulgence. It is a good looking FAST car, what’s not to love? The price, I know... Sounds like your family has been very frugal in regards to cars. A Miata at <27k is not really splurging, I agree that they are too small. I had a friend who bought a Pontiac...
by StevieG72
Mon Aug 12, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance Caveats?
Replies: 19
Views: 959

Re: Travel Insurance Caveats?

The devil is in the details! You have to compare policies so that you get the best coverage for your money. Purchasing within a short time frame of booking trip will waive preexisting conditions for many policies. ( normally 21 days max) I always purchase travel insurance, this year I had to cancel ...
by StevieG72
Sun Aug 11, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 316
Views: 23667

Re: Social Security -- Take it at 62, 67 or 70

SS is projected to "run out of money" by 2034 and reduce payments by 21%. I will be turning 62 in 2034, of course the future may bring changes. Being self employed I contribute as little as possible ( S-Corp is taxed, draw is not) and invest weekly as funds are earned. I am not counting on SS for my...
by StevieG72
Sun Aug 11, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 1951

Re: Shed foundation

You are on the right track! A few more things to consider... Type of material for base. Obviously pressure treated wood, use a quality sub floor material. (some folks even paint or seal decking area) Galvanized screws for construction, and if you don't have one already invest in a good cordless dril...
by StevieG72
Sun Aug 11, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 1951

Re: Shed foundation

I am not incredibly handy either, however I did build one of these sheds. As a previous poster mentioned the instructions spell out the foundation requirements. You will have to purchase some lumber and create a wooden platform / skid foundation. The shed is bolted to the platform foundation. It is...
by StevieG72
Tue Aug 06, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 1951

Re: Shed foundation

I am not incredibly handy either, however I did build one of these sheds. As a previous poster mentioned the instructions spell out the foundation requirements. You will have to purchase some lumber and create a wooden platform / skid foundation. The shed is bolted to the platform foundation. It is ...
by StevieG72
Tue Aug 06, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Oh geeze. How should I pay for this? Walk me off the ledge
Replies: 52
Views: 6299

Re: Oh geeze. How should I pay for this? Walk me off the ledge

I had a surprise medical bill of around $2500, due to an ER visit and ever changing health plans. I simply called and asked to be put on a payment plan. Paid approximately $200 a month until paid off, interest free! Now I have heard that they offer a discount if paid in full immediately. I was not a...
by StevieG72
Fri Jul 26, 2019 10:25 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 78
Views: 11703

Re: pros and cons of target date funds?

Nothing is wrong with Target Date Funds. Set it and forget it! I started out with target date funds, moved to separate funds with a small cap and REIT tilt as well as 3 separate funds for international. Have since dropped the REIT and 3 separate funds for international. If it were not for the slight...
by StevieG72
Sun Jul 21, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 8870

Re: C8 Corvette - who is buying?

Meh, never been a big fan
by StevieG72
Sun Jul 21, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3019

Re: Cruise advice?

Parking at Baltimore is fine, secure lot within walking distance to the ship. I always pack a refillable water bottle to bring tea or lemonade back to my cabin and for shore excursions. One thing I always forget is an air freshener for the cabin restroom. You can bring two 750ml bottles of wine per ...
by StevieG72
Wed Jul 17, 2019 4:17 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 64
Views: 5436

Re: Ferri? Or Vanguard PAS?

Where did this Rick Ferri guy come from? I have been on the site for around two years and never seen any advisors plugged. but over the last two or three days I've seen this guy's name thrown around a dozen times. Perhaps it's the cynic in me but I wonder why. Rick is a solid citizen, one of his bo...
by StevieG72
Wed Jul 17, 2019 4:11 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 64
Views: 5436

Re: Ferri? Or Vanguard PAS?

Ok, so I misread the title. I thought you were asking either Ferrari or Vangaurd, I had to read!
by StevieG72
Sun Jul 14, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 16
Views: 1879

Geico subrogation claim

So thought some folks may find my experience helpful... I was involved in a not at fault accident in June, rear end collision. Fairly minor accident, just a tore up bumper on my SUV other car is likely totaled with extensive front end damage. No injuries. The at fault party has insurance with Direct...
by StevieG72
Sat Jul 13, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is any type of marriage counseling partially covered by Health insurance?
Replies: 21
Views: 1765

Re: Is any type of marriage counseling partially covered by Health insurance?

EAP is the first thing you should check as others have mentioned. If you are a member of a local church they may have resources. My ex and I attended a few sessions provided by EAP, the provider did not seem to be helpful. If you want so save your marriage trying to find a quality therapist vs. focu...
by StevieG72
Fri Jul 05, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: drugstore prices
Replies: 20
Views: 1258

Re: drugstore prices

You could try https://www.goodrx.com The prices can very widely from one place to the next. Costco isn't always cheapest. +1 I found Kroger to be the best place for my medications by using GoodRx. I joined their prescription savings club and can get 3 months scripts for next to nothing. It is cheap...
by StevieG72
Tue Jul 02, 2019 6:37 pm
Forum: Personal Investments
Topic: Bond Allocation Doesn’t Fit In Tax-Deferred Accounts
Replies: 16
Views: 1275

Re: Bond Allocation Doesn’t Fit In Tax-Deferred Accounts

I have the same issue, use Vangaurd High Yield Tax Exempt bonds in my taxable account.
by StevieG72
Mon Jul 01, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 20976

Re: Do you share your net worth with family members?

NO!

I share my net worth with one close friend who has more $$ than me.
by StevieG72
Sun Jun 30, 2019 9:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2412
Views: 434626

Re: What are you up YTD? [Year To Date]

I dunno...

I do not habitually check balances anymore, only have a general idea of the market direction.
by StevieG72
Mon Jun 17, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Termites or Ants in Garden?
Replies: 17
Views: 1293

Re: Termites or Ants in Garden?

Yes those are termites.

No need to panic, clean up any decaying moist wood around the yard.

If your house is on a foundation look for mud tunnels underneath your house on the cinderblocks. This would indicate activity that you should be concerned about.
by StevieG72
Sun Jun 16, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having heat pump checked every year?
Replies: 7
Views: 1132

Re: Is it a waste of money having heat pump checked every year?

Yearly maintenance should include cleaning the coils outside where the compressor is located and also the evaporator coils in the air handler. It is an easy DIY job, if you are paying for annual maintenance and this is not performed drop the service.
by StevieG72
Thu Jun 13, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 40
Views: 3371

Re: Cartier bracelet

They have some interesting styles...

https://www.cartier.com/en-us/collectio ... celet.html
by StevieG72
Sun Jun 09, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3298

Re: Refrigerator Advice

I like the new technology.

My fridge locks me out if it suspects I am overeating.
by StevieG72
Sun Jun 09, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 19936

Re: Paying for rent is throwing away money...myth?

This is one of those topics that tends to go nowhere.

It really comes down to personal preference.
by StevieG72
Fri Jun 07, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8942

Re: Costco or Sam's Club?

Costco, Sam's if you own a small business.( C-Store or restaurant)
by StevieG72
Fri Jun 07, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5139

Re: Gillette Fusion razors

I shave my head regularly, so I have been through some razors. Tried the Head Blade, was not impressed. It is too small also cut my head a few times with this device. Have settled in to the Gillette Fusion razors, bought a refill pack from Sam's that was expensive but should last awhile. The Fusion ...
by StevieG72
Sun May 26, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: AC maintenance
Replies: 8
Views: 916

Re: AC maintenance

Simple maintenance is to clean the outside coils, fairly easy process if not too dirty you can simply rinse with a garden hose. A little bit more complex but still pretty basic is to clean the evaporator coils in the air handler. This basically involves removing a panel for access and spraying with ...
by StevieG72
Tue May 14, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 2660

Re: Chrome or Brushed Nickel

Either is fine, I personally like the brushed nickel better, however chose chrome for a recent remodel because I couldn’t match the light fixture.

Just don’t get gold, that is dated!
by StevieG72
Sat May 11, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: 256 Gbytes for IPhone! How much further?
Replies: 29
Views: 2163

Re: 256 Gbytes for IPhone! How much further?

Electronics are the exception to the norm, you get more technology for less money with time. I have reached enough with 32g on an Iphone 6s. My goal is to get as much mileage out of a phone that is paid for vs. trying to get the latest and greatest technology each year. I took Apple up on the free b...
by StevieG72
Sat May 11, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Tired of a reel mower
Replies: 42
Views: 3936

Re: Tired of a reel mower

To chime in on the gas powered comments, I have a B&S mower that keeps on chugging along regardless of the abuse it takes. I may have changed the oil once in the past 10 years. The motor is barely attached to the deck due to rust. I just use it now to mow areas too treacherous for my newer mower.
by StevieG72
Sun Apr 28, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 188
Views: 20176

Re: Man’s life savings stolen from hijacked cellphone number

I am getting a yubikey for my Vanguard account. I never use a cell phone for logging on to financial accounts and typically use only 2 computers one at home and one at work. Which Yubikey is recommended. Is this one ok. https://www.amazon.com/Yubico-Security-Key-USB-Authentication/dp/B07BYSB7FK/ref...
by StevieG72
Sat Apr 20, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing heat pump & duct work
Replies: 7
Views: 708

Re: Replacing heat pump & duct work

So I got my first quote, it was a budget buster for sure! Selected a company that has been in business for many years, had lots of positive reviews from different sites, and was rated one of the top 3 HVAC companies in my area. Quote came it over $8400, my budget for getting this work done is around...
by StevieG72
Wed Apr 17, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Rheem Central Air with leaking coil?
Replies: 9
Views: 654

Re: Rheem Central Air with leaking coil?

+1 on trying the easy seal product.
by StevieG72
Sun Apr 14, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Anyone have a child model?
Replies: 42
Views: 4673

Re: Anyone have a child model?

Meh, not worth following up on.

It is easy to exploit parents, tell them their kid is the most photogenic child they have ever worked with, the parent will do whatever is asked.
by StevieG72
Sun Apr 14, 2019 6:00 am
Forum: Personal Investments
Topic: Living Trust, how did you structure distributions.
Replies: 15
Views: 1340

Living Trust, how did you structure distributions.

So, I probably should have a living trust set up already. The what and why I understand, the how is what has me perplexed. ( I understand hire a lawyer, transfer assets etc. it is the distribution part that has me stumped) For those that have set up trusts or are familiar with them, how have you dec...
by StevieG72
Sun Apr 14, 2019 5:13 am
Forum: Investing - Theory, News & General
Topic: ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")
Replies: 59
Views: 8704

ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")

The best reason to buy the Vanguard ETF rather than the mutual fund is if you were just starting out, and didn't have $3,000 to afford the minimum investment. +1 I started investing with ETF's because I had limited funds to start with, no frequent trading. (of course this was back when fees were hi...
by StevieG72
Tue Apr 09, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 5532

Re: $20k day care...how is it taxed?

Wowee wow! That price makes me feel better about spending 7k for private school tuition.

We paid about $6500 for day care. Had a career mom that watched kids, she didn’t care to be 1099’d. We knew this going in and our kid was in a safe nurturing environment so no regrets.

Kids are expensive...
by StevieG72
Mon Apr 08, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing heat pump & duct work
Replies: 7
Views: 708

Replacing heat pump & duct work

So I think it is time to pull the trigger on a complete replacement of my heat pump system. Current system is well past its useful life. ( Air handler is 33 years old, condenser unit is 18yrs old) I have been putting this job off for awhile and have been limping by with adding freon once or twice a ...
by StevieG72
Sat Apr 06, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 3219

Re: Eye glasses - cheaper alternates

Another vote for Zenni. I bought my first pair ever from Zenni, used the virtual try on tool. Very happy with product and service. You can return for any reason within the first 30 days. I had a small problem and they took care of it without too much hassle. Roughly $50 for metal frame, progressive ...
by StevieG72
Thu Apr 04, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 28
Views: 2572

Re: cost analysis on buying vs. renting skis?

Rent, it is not too expensive. On my last trip I rented from a ski shop vs. the ski resort and the price was about 50% less, better service too.
by StevieG72
Wed Apr 03, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Do any of you have a fear of changing jobs?
Replies: 73
Views: 4788

Re: Do any of you have a fear of changing jobs?

I do, been in the same industry for 27 years! Going to ride it out until retirement.
by StevieG72
Sun Mar 31, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Max % of gross pay on a car?
Replies: 22
Views: 1625

Re: Max % of gross pay on a car?

Buy the Tiguan more room for the kiddos.

Not a excessive expenditure by any stretch.
by StevieG72
Sun Mar 31, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 33501

Re: "The best and worst U.S. states for retirement"

Taylor, confirmation bias? Just kidding....I live in Va currently which is apparently mediocre. ( personal property tax in Va. is burdensome) For those that moved to Florida for retirement did you find the transition difficult? My observations....I have a few close friends and my entire family lives...
by StevieG72
Sun Mar 31, 2019 5:55 am
Forum: Personal Investments
Topic: Making the plunge into 529s
Replies: 26
Views: 2764

Re: Making the plunge into 529s

I set up a 529 for my kiddo recently, I believe the rules changed so that it can be used for primary school. While she does attend private school this money is earmarked for secondary school. Check your state guidlines for tax deductions. I live in Va. and am allowed $4,000 deduction per account. I ...
by StevieG72
Sat Mar 30, 2019 9:50 am
Forum: Personal Investments
Topic: Nouveau Riche Issue!
Replies: 17
Views: 4372

Re: Nouveau Riche Issue!

I have strayed away from the back door Roth for numerous reasons. The primary reason is a sizeable taxable event from an existing 401k that was converted to an IRA when I became self employed. The second reason is mentioned by a previous poster is the complexity / margin for error. Just search for p...
by StevieG72
Fri Mar 22, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 23
Views: 4760

Re: weighted blankets

I thought I would like one as I like additional blankets at the foot of my bed which add weight. I was given one as a gift for xmas and really tried to like it as it was an expensive gift. Unfortunataly it just adds too much weight, I went by the guidline of 10% of body weight for the blanket. I fel...