Search found 785 matches

by StevieG72
Thu Aug 16, 2018 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Hoping to Start on the Right Foot
Replies: 22
Views: 1402

Re: Newly Married and Hoping to Start on the Right Foot

The best advice I have for you is to stay married!

Invest in your wife, do not take her for granted.

Kids are a game changer, I always wondered why so many couples seperated / divorced with kids just a few years old. Then it happened to me and in hindsight I understand! Don’t be that guy!
by StevieG72
Thu Aug 16, 2018 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6186

Re: Paper checks yes or no?

I realize I am an outlier here but while I do have a checking account, I do not have checks, atm card, or debit card with any of my accounts.

Most money coming out leaves via ACH & bill pay.

I rarely use cash for anything.
by StevieG72
Thu Aug 16, 2018 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5597

Re: Terminating an employee with company car

It is in your best interest to secure all company property at the time of termination. Treat the employee respectfully and keep it professional. I would escort employee to the car to clean out personal possessions. I would have another staff member tag along if employee is volatile or the opposite g...
by StevieG72
Sun Aug 12, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4736

Re: How often do you check your brokerage accounts

I glance daily when the market is open.

Have learned to stomach large swings, and need to keep track of my progress towards my goals.
by StevieG72
Sun Aug 12, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 103
Views: 7169

Re: Can I buy a Tesla?

You can afford it!

Just don’t buy everything you can afford and forget to save for retirement!
by StevieG72
Sun Aug 12, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6186

Re: Paper checks yes or no?

No

I have not had paper checks in years.

On the infrequent occasion that I need a check, I stop in my credit union for a no fee cashiers check.
by StevieG72
Sat Aug 04, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Anti-reflective coating on lenses for glasses
Replies: 9
Views: 708

Re: Anti-reflective coating on lenses for glasses

I used to get frequent headaches prior to getting lenses with anti-reflective coating. Most of my working day is spent in front of a computer. Now headaches are infrequent, But I have a bad day if I forget my glasses. My prescription is not strong but it makes a big difference for my distance vision...
by StevieG72
Thu Aug 02, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4665

Re: best place to hide a key

by StevieG72
Thu Aug 02, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 36343

Re: Worth it to get 300 Mbps internet?

I would say no, not worth it.

My service is up to 15 MBPS download, I have no issues streaming with HULU or Amazon Prime.
by StevieG72
Thu Jul 26, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Buying a used car..how many owners is too many owners?
Replies: 14
Views: 1296

Re: Buying a used car..how many owners is too many owners?

Idealy the fewer owners the better. I look for a car with some time and mileage left on the factory warranty. My mom just bought a one owner Sienna, turns out the one owner was a rental company! It has plenty of time left on the factory warranty. All recommended service was performed. Who drives a m...
by StevieG72
Tue Jul 24, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 35
Views: 4201

Re: Cell phone tip: block callers

Update! I had to say biya to Hiya. It was not blocking ANY calls! Even numbers set up in the app to be blocked. Yes, it was set up correctly! Apparently there is an issue with Apple phones and the Hiya app after ios 10. Tried all the troubleshooting steps, no luck. I am now trying True Caller. Will ...
by StevieG72
Tue Jul 24, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2971

Re: Craigslist payment by PayPal - safe or scam?

SCAM!!! Tell the scammer you found your missing cat inside the piano petrified to the strings. You are not sure how to remove it and are very emotional about the situation. Of course the smell is long gone since the cat is rock hard. Ask if they are still interested, you can ship it as is. Ask if t...
by StevieG72
Mon Jul 23, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone sell their car to Carmax or webuyanycar.com?
Replies: 33
Views: 3116

Re: Anyone sell their car to Carmax or webuyanycar.com?

My mom sold a 2006 Sienna with the trifecta of warning lights on for $2,000.

Very fair deal.
by StevieG72
Mon Jul 23, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Coast to Coast 2-3 Week Road Trip
Replies: 16
Views: 1919

Re: Coast to Coast 2-3 Week Road Trip

Grand Canyon if you have not been before.

Las Vegas has lots of fun stuff to do, not just gambling.

Really depends on your interests. You may want to take a more southern route to enjoy some warm dry weather while you can!
by StevieG72
Mon Jul 23, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 7718

Re: Is it possible to change one's career in their 40s?

I dream of changing careers at times.

Reality is I will stay put, buckle down on saving and retire ASAP.
by StevieG72
Mon Jul 23, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9515

Re: Dealing with HOA Notice

You may want to check with your cable / satellite company if the service is still active.

Let them know the install violates the HOA rules and needs to be fixed. This will likely be cheaper or free.

Window AC units can be unsightly, especially if they are sagging, or supported haphazardly.
by StevieG72
Sun Jul 22, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buy house for retired mother?
Replies: 72
Views: 4973

Re: Buy house for retired mother?

My mom lives in a similar community.

Many of the residents get together frequently to play cards, go to movies, play golf etc.

The friendships and support of the community are priceless.
by StevieG72
Sun Jul 22, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3643

Re: Guilt at buying nice things for myself

As long as I am on track to reach my financial goals I don't worry about it.

You have to find a balance between saving and spending.

I have found out that "stuff" does not make me happy. I prefer to spend on travel which is heavily subsidized by credit card points.
by StevieG72
Sun Jul 22, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1682

Re: Any Boglehead plumbers? Need help.

I thought these kinda things just happened to me...
by StevieG72
Sun Jul 22, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 35
Views: 4201

Re: Cell phone tip: block callers

I recently installed the Hiya app based on recommendations from this forum. It seems to recognize spam / robo numbers and will block them. I have had the same message left by many different numbers about some health insurance nonsense. Hoping Hiya will put an end to this annoyance. I use my cell pho...
by StevieG72
Sun Jul 22, 2018 8:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35313

Re: Roll Call for the Retirement Class of 2018!

I wish!

My target is 2027.

Congrats to everyone who has made it to retirement.
by StevieG72
Sat Jul 21, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: engine check light on Toyota Sienna
Replies: 8
Views: 739

Re: engine check light on Toyota Sienna

Like others have mentioned go to auto parts store, they will check the code for free. Siennachat is a good forum that has a wealth of information. My moms van had this issue, we tried a few things but never got it figured out. The van had 180,000 miles on it so she let it go, sold it to CarMax for $...
by StevieG72
Wed Jul 18, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1611

Re: sams club - new member

You will be hard pressed to find a better deal on tires.

I have done price comparison and Sam’s always comes out on top.

Also free flat repair even if you didn’t buy tires from Sam’s. Just used this service a few weeks ago.
by StevieG72
Sun Jul 08, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3397

Re: Trying to hit grand slam with small % portfolio?

averagedude wrote:
Sat Jul 07, 2018 10:00 am
I don't swing for the fences trying to hit grand slams. I believe i can win the game by hitting singles.😁
+1
by StevieG72
Sun Jul 08, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9402

Re: What time do you get up in the morning?

Freefun wrote:
Fri Jul 06, 2018 5:11 am
2am to hit the gym. On vacation i take it easy, like today when I’m up at 3:30 to hit the hiking trails.
What time do you go to bed?

Alarm is normally set for 7:15 am for me. I sleep in a little later on weekends.
by StevieG72
Fri Jul 06, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Carpenter Bees- HELP!
Replies: 17
Views: 2112

Re: Carpenter Bees- HELP!

After spraying and filling all the holes, hanging a few carpenter bee traps on sunny eave corners helps a lot. There are a number of them available, but the best ones have the clear jar/bottle trap on the bottom. They are easy to make if you have some spare wood, a saw and drill. +1 I have 4 homema...
by StevieG72
Thu Jul 05, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Boat Towing
Replies: 14
Views: 1273

Re: Boat Towing

Boat towing coverage is worth the money.

A ten mile tow could easily become a 30 mile tow since you pay for where the tow boat is coming from not just the distance your boat is towed.
by StevieG72
Thu Jun 28, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3997

Re: Best way to clean eyeglasses?

Ideally a microfiber cloth.
Normally my undershirt when I am at work.
by StevieG72
Wed Jun 27, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best portable air conditioner
Replies: 8
Views: 758

Re: Best portable air conditioner

A friend used a unit similiar to this for an upstairs bedroom that did not cool well. https://www.hsn.com/products/delonghi-pinguino-3-in-1-700-sq-ft-portable-ac-with-50-/8576047?sz=6704&sf=HO0516&ac=&utm_source=google&utm_medium=shopping%20engine&utm_term=&utm_campaign=GShopping%7CL%7CBrandProduct%...
by StevieG72
Tue Jun 26, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10603

Re: Lost out on promotion

I am betting the day will come to pass that you see this as a blessing.
The same thing happened to me three times within a 5 year period.
It was not that I was not qualified or capable, just other folks were chosen some more qualified, others less.
by StevieG72
Tue Jun 26, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5317

Re: car for long-distance driving

I would be recommend a sedan for long trips. SUVs and crossovers will likely not be as smooth or comfortable. I rented a Ford Fusion in Vegas and put over 1,000 miles in 1 week. Heated leather seats, cruise control and satellite radio were the best features. Currently I drive a 4-Runner SUV, it dri...
by StevieG72
Mon Jun 25, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5317

Re: car for long-distance driving

I would be recommend a sedan for long trips. SUVs and crossovers will likely not be as smooth or comfortable. I rented a Ford Fusion in Vegas and put over 1,000 miles in 1 week. Heated leather seats, cruise control and satellite radio were the best features. Currently I drive a 4-Runner SUV, it driv...
by StevieG72
Sun Jun 24, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Corolla
Replies: 39
Views: 2376

Re: 2007 Toyota Corolla

Soup Nazi wrote:
Sun Jun 24, 2018 2:19 pm
My 2004 Toyota Highlander currently has 305K miles on it.
Mind sharing what, if any major maintenance items other than tires, brakes,& batteries that you had to deal with?

Did you perform all of the factory recommended maintenance items?

My goal is 300,000 for my 2016 4-Runner.
by StevieG72
Sun Jun 24, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6135

Re: So much angst

Your plan makes sense.

I did something similar, so maybe it is confirmation bias.

At 46 I have a 70/30 portfolio, target is to retire near 55.

60/40 is the sweet spot along the efficient frontier, it will serve you just fine.
by StevieG72
Sat Jun 23, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: South Florida for 2 days - Agenda?
Replies: 13
Views: 868

Re: South Florida for 2 days - Agenda?

You may want to research the toll situation. I had a rental from Hertz, the arrangement they have is that you pay a $20 fee plus tolls. The fee was more than the tolls, also had toll charges coming in months after my trip. They appear to apply to the timeframe that I was in florida, I don’t dispute ...
by StevieG72
Sat Jun 23, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Find a new job or not (golden handcuffs, etc etc)
Replies: 11
Views: 1836

Re: Find a new job or not (golden handcuffs, etc etc)

200k + at 30 yrs old! Wowee wow! And not in a HCOL area?!?!

I would buckledown and save, save, save!

You have set yourself up for success, at your age / income the magic of compounding will gain some serious traction.

Good luck with whatever you decide.
by StevieG72
Thu Jun 21, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 3021

Re: Buy new truck before retiring?

augryphon wrote:
Thu Jun 21, 2018 7:30 am
Park the Chevys side by side and set them on fire. Then go buy a Ford truck.
Lol, gotta love brand loyalty!
by StevieG72
Thu Jun 21, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2412

Re: 1st Car Mechanic service experience

I can do it myself, but leave the simple stuff to the dealer. That is not a bad price if synthetic oil, or even semi-synthetic oil was used. I recently took about 15 large containers of used oil to the auto parts store, not a pleasant task. Of course this oil had accumulated for over many years. Cur...
by StevieG72
Thu Jun 21, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Heat strips in heat pump miswired and on all the time - how much extra electricity cost?
Replies: 14
Views: 1144

Re: Heat strips in heat pump miswired and on all the time - how much extra electricity cost?

If the heat strips are running at ALL times even in the summer with the AC running, yes electric bill will go sky high as they are working against each other. If the heat strips are just on all the time when unit calls for heat, then no it would not cause an increase in summer months. This would of ...
by StevieG72
Sun Jun 17, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3551

Re: How to calculate "fun money" per year?

10k sounds a bit high, however it depends on how many trips you want to take and where you want to go. I took an amazing Alaska cruise, traveling from Virginia to Vancouver along with some expensive excursions for three people. That trip only ran about $7,000. I use credit card rewards & bonus offer...
by StevieG72
Sun Jun 17, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3742

Re: Standard buyer's remorse or poorly timed enlightenment?

1 Stop -- do not sell your home. (standard buyers remorse common with every new situation, car buying, marriage, etc) 2 Breath 3 Commit to not worrying about it and decide to reevaluate your situation in 6 months. 4 Continue as usual 5 After 6 months, reevaluate your situation and decide to reevalu...
by StevieG72
Mon Jun 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4795

Re: Water heater installation situation

Code calls for the ignition source to be at least 18" off of the floor if gas water heater is in the garage or a room accessed by the garage. This is to prevent the pilot light from igniting fumes from combustibles stored in the garage. Platform does not have to be 18", the pilot light needs to be 1...
by StevieG72
Mon Jun 11, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4795

Re: Water heater installation situation

A tank-less water heater may be a good option.

It could even be cost efficient since you would avoid re configuring the current set up.
by StevieG72
Mon Jun 11, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 3143

Re: Would you choose text or email for two-factor authentication?

I wish Vangaurd would allow key based 2FA to be selected as the only option for log in. Key based log in is basically useless with Vangaurd since you can still log in without the key! I like the security setting to allow log in only from recognized devices. I have managed to lock myself out twice by...
by StevieG72
Tue Jun 05, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: 14yo very very new to investing.
Replies: 24
Views: 1925

Re: 14yo very very new to investing.

Welcome to the forum. It is impressive that you are interested in investing at your age, it will pay off. Not only that, you found the absolute best free resource available to investors which is this website. Fixed interest is a fixed rate for the term of the product, it does not fluctuate. Check ou...
by StevieG72
Mon Jun 04, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Trade in advice [Car]
Replies: 23
Views: 1912

Re: Trade in advice [Car]

Carmax is easy and you can unload the car quickly.

Get a quote and ask the dealer to match it.

My mom sold a van with $189,000 miles and a trifecta of warning lights lit up on the dash for $2,000. I was really surprised and think that was a generous offer.
by StevieG72
Fri Jun 01, 2018 2:47 am
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 5963

Re: Investment money is "Fungible"

A fungicide may be the best solution.
by StevieG72
Fri Jun 01, 2018 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 3078

Re: Roommate in a house?

...We're very transparent with our finances already and she earns about $40k more than I do. With the larger income, she has more student debt. Seeing this is a long commitment - I think the 50 / 50 split will help us bring her debt down to zero and we'd revisit the conversation to see if we want t...
by StevieG72
Thu May 31, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17380

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I have a 15yr at 3.25 and pay an extra $150 a month vs. paying off.

Best of both worlds in my mind anyways...