Search found 1103 matches

by StevieG72
Wed Sep 16, 2020 6:36 am
Forum: Personal Investments
Topic: Whether to lapse term life insurance
Replies: 21
Views: 1360

Re: Whether to lapse term life insurance

Wowee wow! I have a $500k term police that costs me $600 a year.

I do not need the policy, but consider it inexpensive. In addition, canceling a policy in the middle of a pandemic does not seem wise!

I would definitely keep a 1.5 million policy for $600 yearly!
by StevieG72
Tue Sep 15, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12665

Re: Is this guy trying to scam me on a car I'm selling?

He is just getting started with you, something will likely come up and he will need to have the car shipped etc. However, even if you meet this guy in person I would do a cash only transaction. It would be too difficult to validate a money order from an out of state bank. My brother in law got scamm...
by StevieG72
Sat Sep 12, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: Used Car issues Ohio
Replies: 37
Views: 1739

Re: Used Car issues Ohio

Yikes!

I am in the market for a car for the kiddo. I am leaning towards low enough miles to have factory powertrain warranty remaining. (< 60,000 miles)
by StevieG72
Sat Sep 12, 2020 1:13 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3422

Re: Asset Allocation-What have you learned about yourself?

I have learned that I am a strange bird!

Account value drops by thousands in a given day, meh.

A $50 late payment fee, my feathers are ruffled for days!
by StevieG72
Fri Sep 11, 2020 6:14 am
Forum: Personal Consumer Issues
Topic: Gift Stock For Little Nephew?
Replies: 4
Views: 440

Re: Gift Stock For Little Nephew?

A few books on investing may be a nice addition to the stock purchase. A boring index fund would be ideal, but a hot stock would be more exciting!
by StevieG72
Thu Sep 10, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 899
Views: 53676

Re: What are you listening to now

Greta Van Fleet, young band with an unmistakably old sound.
by StevieG72
Mon Sep 07, 2020 8:56 pm
Forum: Personal Investments
Topic: whole life insurance with cash value
Replies: 50
Views: 2806

Re: whole life insurance with cash value

I had a FA (insurance salesman) try to sell me a $500,000 Whole Life policy which would have cost $800.00 per month. I purchased a term policy and learned how to invest on my own. I am really glad I dodged that bullet!
by StevieG72
Mon Sep 07, 2020 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel Husband's Term Insurance?
Replies: 41
Views: 3252

Re: Should I Cancel Husband's Term Insurance?

I would recommend reducing coverage. I have a $500,000 policy that is only $600 per year. I keep it because it is cheap, really don’t need the coverage anymore. I am certainly not going to cancel it in the middle of a pandemic!
by StevieG72
Sun Sep 06, 2020 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Rice & Beans [limiting food expenses]
Replies: 96
Views: 13894

Re: Rice & Beans [limiting food expenses]

Wow, I thought you were literally eating rice & beans while paying 10K for a wedding! If you are cooking at home already I do not see a need to dial back food expenses. I cook at home 99.999% of the time since the pandemic started. I use HelloFresh too, which adds variety and teaches me new tricks i...
by StevieG72
Sun Sep 06, 2020 5:58 am
Forum: Non-US Investing
Topic: How will you describe your investing journey so far?
Replies: 51
Views: 3484

Re: How will you describe your investing journey so far?

I opened a Vangaurd account in 2012. What I have learned.... Less is more! I started off with a tilt towards small cap & REITs. I have since dumped the REIT and would also sell the small caps if they were not in a taxable account. At one point I tax loss harvested my international fund and bought ea...
by StevieG72
Wed Sep 02, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do family loan?
Replies: 38
Views: 2846

Re: Should I do family loan?

If I were to do either it would be to gift a down payment.

In my opinion financing the loan is getting WAY to involved in their finances.

Let them try adulting all by themselves.
by StevieG72
Tue Sep 01, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Should I freeze my credit in lieu of another credit monitoring service?
Replies: 16
Views: 936

Re: Should I freeze my credit in lieu of another credit monitoring service?

I froze mine, I too was worried about applying for credit in the future.

Just keep a file with the information to unlock or thaw you credit readily available. It is easy enough to unfreeze when needed. Peace of mind is worth it for me to jump through a few hoops.
by StevieG72
Tue Sep 01, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Computer Restriction
Replies: 8
Views: 1109

Re: Vanguard Computer Restriction

I have the same restriction set.

Typically only takes a few minutes to call in and get access restored. I have locked myself out two or three times over the last few years.
by StevieG72
Sun Aug 30, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Yellowjackets
Replies: 11
Views: 1296

Re: Yellowjackets

Only good news is they don’t return to the same nest after dying off in the winter.
I had a nest on the side of my house that I never found. They tore me up every time I cut the grass.
by StevieG72
Sat Aug 29, 2020 10:14 pm
Forum: US Chapters
Topic: Hampton Roads Chapter
Replies: 2
Views: 257

Re: Hampton Roads Chapter

viewtopic.php?f=9&t=262919&hilit=Chapte ... 0#p4808600

Never gained traction, now with Covid I would anticipate similar results. Maybe a Zoom meeting would work.
by StevieG72
Sat Aug 15, 2020 9:07 pm
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9165

Re: Terrible experience with Ally bank- buyer beware

Wow! That is terrible service! I gave up on high yield savings many years ago. I prefer Vanguard's Prime Money Market Fund (VMMXX) return beats Ally and one less account to manage. Prime is 0.06%. How does that beat Ally? It does not. 0.06% < 0.80% It does not! I stand corrected. Past performance i...
by StevieG72
Sat Aug 15, 2020 9:11 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9165

Re: Terrible experience with Ally bank- buyer beware

Wow! That is terrible service! I gave up on high yield savings many years ago. I prefer Vanguard's Prime Money Market Fund (VMMXX) return beats Ally and one less account to manage. I don't see how you can possibly say that Prime's return comes anywhere close to an Ally savings account. I am open to...
by StevieG72
Sat Aug 15, 2020 8:51 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9165

Re: Terrible experience with Ally bank- buyer beware

Wow! That is terrible service! I gave up on high yield savings many years ago.

I prefer Vanguard's Prime Money Market Fund (VMMXX) return beats Ally and one less account to manage.
by StevieG72
Sat Aug 15, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Nest Rush Hour Rewards
Replies: 13
Views: 1507

Re: Nest Rush Hour Rewards

My home had one installed by the previous owner. I did not qualify as a subsequent owner for any savings and to my knowledge it was no longer functional. I removed the unit myself when getting home resided, box was rather unsightly. Tossed that as well as an old landline box attached to the exterior...
by StevieG72
Tue Aug 11, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Anyone using meal delivery services?
Replies: 52
Views: 2872

Re: Anyone using meal delivery services?

I like Hello Fresh however, they have a added an additional charge per meal for certain dishes. At times there is no clear reason. For example, a dish with scallops understandably has an additional charge per meal. A dish with chicken breasts should not have a charge, but sometimes it does. A simple...
by StevieG72
Wed Aug 05, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15720

Re: Should I purchase a whole house generator?

I personally think the expense outweighs the benefit. In addition to the initial install, plan on spending money for regular maintenance. If you do not stay on top of testing the unit and maintenance, it will fail you.
by StevieG72
Sun Aug 02, 2020 7:28 am
Forum: Personal Investments
Topic: Is it possible to disable online access to Vanguard?
Replies: 53
Views: 3525

Re: Is it possible to disable online access to Vanguard?

This can be easily done.

Set up security to allow access from recognized devices only. Sign out of Vangaurd site, clear cookies from your PC.

If you need to access your account you would have to call in a verify your identity.
by StevieG72
Fri Jul 31, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: First time getting bifocals - online or retail?
Replies: 24
Views: 1248

Re: First time getting bifocals - online or retail?

I got my first pair from Zenni. Went to Costco for eye exam, ordered a pair of progressive lens from Zenni. Worked out fine for me, total cost for exam and glasses was around $100.00. Keep in mind transition lenses do not work well in cars since the windshield blocks UV rays. I have a pair of sungla...
by StevieG72
Mon Jul 27, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to buy this piece of property?
Replies: 19
Views: 1742

Re: Can I afford to buy this piece of property?

My opinion is no, you can't afford this property.

I would not dream that big with those assets.
by StevieG72
Mon Jul 27, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: How to sell a used car with engine problems?
Replies: 30
Views: 2408

Re: How to sell a used car with engine problems?

Another vote for Carmax.

My mom had a beater van with every light lit up on the dash & 160,000 miles. They gave her $1200 for it which was a blessing.
by StevieG72
Sun Jul 26, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Coins
Replies: 28
Views: 2641

Re: Coins

Silver prices are up lately. Have been selling my remaining rolls of silver coins in the last month - a relative had hoarded many rolls of the coins 50 years ago. Investing turn the cash into a 2050 target date retirement fund for the kids. I didn’t realize prices had recovered on silver. How did y...
by StevieG72
Tue Jul 21, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9207

Re: Best watch for $5,000+

Apple watch on sale for $149 is the most I have, and likely ever will spend on a watch.

Stealth wealth is how I roll.
by StevieG72
Tue Jul 21, 2020 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9196

Re: Deciding whether to retire - it's difficult!

Financially you should have retired yesterday! Planning out what retirement will look like for you is something that may need some attention. Selling your residence and establishing two separate homes in different areas could easily take up a few years of your time and keep you busy. My target is 2....
by StevieG72
Tue Jul 14, 2020 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of paying off mortgage
Replies: 146
Views: 8943

Re: Talk me out of paying off mortgage

Have your cake and eat it too!

Pay extra on you mortgage and invest as well.
by StevieG72
Tue Jul 07, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Deck on setback- violation?
Replies: 27
Views: 1584

Re: Deck on setback- violation?

I would pass on the deal, why deal with the headache?
by StevieG72
Mon Jul 06, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: How are business owners dealing with coin shortages?
Replies: 14
Views: 1594

Re: How are business owners dealing with coin shortages?

Promoting cashless may sound ideal, however the fees associated with processing credit & debit transactions are significant.
by StevieG72
Mon Jul 06, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: How are business owners dealing with coin shortages?
Replies: 14
Views: 1594

How are business owners dealing with coin shortages?

Any outside of the box ideas for dealing with coin shortages? One idea presented to me was to ask banks for 1/2 dollar coins. The demand is much lower for these and they can be used to help make change in the event quarters are not available. I was able to pick up $200 of 1/2 dollar coins from my ba...
by StevieG72
Sun Jul 05, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 188
Views: 12773

Re: Neighborhood Noise

I can feel your pain! I have experienced some really extreme neighborhood noise. 1st neighbor had a son the would do laps in 4-wheeler around his house at 9pm at night. ( Normal spacing between homes, maybe 20ft) This neighbor loses home to foreclosure, house is bought as a rental. Young couple rent...
by StevieG72
Sat Jul 04, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: Excess Flow Valve
Replies: 8
Views: 883

Re: Excess Flow Valve

I get mail marketing insurance for gas lines that are not covered by the gas company. Thing is I have zero natural gas running to my home.
by StevieG72
Sat Jul 04, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 352
Views: 25308

Re: Optimizing PPP Forgiveness

The 24 week timeframe will certainly make things easier for me since 100% will be used for payroll. If the 24 week period is selected, employee count / retention numbers will be used to calculate forgiveness for the same period. You will not be able to apply for forgiveness if funds are exhausted ea...
by StevieG72
Sat Jul 04, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Lawn Mole problems
Replies: 39
Views: 5340

Re: Lawn Mole problems

They are too cute for me to kill. I dug one up and relocated it, he may have returned as it was not too far away. No matter, I am not in a neighborhood of immaculate lawns, it is green and I mow it and leave the moles to themselves.
by StevieG72
Sat Jul 04, 2020 8:50 am
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2833

Re: COVID 19 changing the public vs. private school value equation?

BTW - most private schools around here have application deadlines that have already passed, with standardized tests, etc. You may not actually have an option at this point. In my area, the deadline is soft. Kids come at different times, even midyear. My experience has been that the schools need the...
by StevieG72
Sat Jul 04, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2833

Re: COVID 19 changing the public vs. private school value equation?

My kiddo attends private school. I was impressed by the efforts they made to embrace virtual learning for the remainder of this past school year. The school literally did not miss a beat, the transition was quick, my kiddo had to work to maintain her GPA as she should. They have even added summer wo...
by StevieG72
Sat Jul 04, 2020 7:16 am
Forum: Personal Finance (Not Investing)
Topic: "Lost" Estimated Tax Payment
Replies: 15
Views: 1466

Re: "Lost" Estimated Tax Payment

Finally. The IRS cashed my check today - after twelve weeks. I won't make that mistake again. Look into EFTPS. You can schedule payments. I have all my payments all scheduled for 2019 (return) and 2020 ES. Among other things, if I croak suddenly, my spouse doesn't have to worry about anything until...
by StevieG72
Thu Jul 02, 2020 5:26 am
Forum: Personal Investments
Topic: Is wealthfront Stock Level investing under appreciated by Boglehead community?
Replies: 47
Views: 2930

Re: Is wealthfront Stock Level investing under appreciated by Boglehead community?

Once you have a 1 million dollar portfolio you will be paying $2500 to potentially TLH $3,000 for the year.
by StevieG72
Sun Jun 28, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 101
Views: 6454

Re: I'm Buying a Boat...

Pay cash, enjoy the boat. Do you already have a tow vehicle?
by StevieG72
Wed Jun 10, 2020 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Relative giving money to start medical practice
Replies: 12
Views: 1672

Re: Relative giving money to start medical practice

I think taking the a commercial loan is your best bet.

There is much more to life than money, don't risk the relationship.
by StevieG72
Wed Jun 10, 2020 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Can I give a loan to my buddy to buy a boat?
Replies: 81
Views: 4831

Re: Can I give a loan to my buddy to buy a boat?

NO! You can NOT give a loan to your buddy to by a boat! Bogleheads have spoken, you have been warned! While you may have warm and fuzzy feelings about boating with your buddy and earning 10% interest, the sinking feeling of making a big mistake will linger much longer once the deal goes south, and i...
by StevieG72
Mon Jun 08, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: How to weight risk-benefit for returning back to work for a pregnant wife during COVID-19?
Replies: 12
Views: 778

Re: How to weight risk-benefit for returning back to work for a pregnant wife during COVID-19?

Sorry that you have to deal with this additional challenge during the pregnancy.
Hope you find peace of mind with your decision and have a healthy happy baby!
by StevieG72
Sun May 31, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 36
Views: 2380

Re: Suggestions for a comfortable desk chair on a budget

I picked up a Markus chair from Ikea which is a leap above my normal budget for a chair. ( approx $199 )
Great comfortable chair! Worth the money spent.
by StevieG72
Wed May 27, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18473

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

Wowee wow, that is expensive. My kiddo has always gone to private school. Price slowly crept up from around $3,000 for preschool / $5,000 for elementary, and $7800 for High School. We live on the east coast, most schools are comparable and do a great job with the kids. Keep in mind the increase of t...
by StevieG72
Mon May 25, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2763

Re: Anyone buy a car from a rental car company???

I bought one from Hertz. Good deal, they have a rent to buy program which is cheaper than the cars already pulled from the rental program and prepared for sale.
The process had a few hiccups, but overall got a great deal. Car was still under factory warranty.
by StevieG72
Sat May 23, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10920

Re: Personal spending out of control after Covid-19

I am actually spending less. Not eating out, not shopping much at all, home improvement stores are crazy busy so I stay away.