Search found 1055 matches

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: 2533

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: 118
Views: 9178

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.
by StevieG72
Fri May 22, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19211

Re: What is your most luxury/expensive hobby.

Vacationing, I have dropped some cash on some amazing vacations.

Boating is easily affordable in comparison.
by StevieG72
Wed May 20, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: Shed Foundation: Flat Concrete Blocks or Deck Piers?
Replies: 18
Views: 1321

Re: Shed Foundation: Flat Concrete Blocks or Deck Piers?

I used flat concrete blocks leveled in gravel with skids. Fairly easy project, great for an area that way not be level.
by StevieG72
Mon May 18, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4031

Re: Vault Safe in the attic; welded, anyone ?

I don’t think any casual burglars will be going in your attic.
The only folks making that trip are people that you told you put a safe in your attic!
by StevieG72
Thu May 14, 2020 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Family member returning borrowed money?
Replies: 27
Views: 3064

Re: Family member returning borrowed money?

It's not a big deal. The money laundering trigger is a CASH deposit over $10,000. A check for that amount or larger will not raise any eyebrows.
by StevieG72
Wed May 13, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: PPP received but not EIDL
Replies: 3
Views: 287

Re: PPP received but not EIDL

The net benefit is pretty much the same if you are just referring to the forgivable portion of the EIDL. The EIDL grant that does not need to be repaid reduces the PPP loan forgiveness amount. For example if you received a $10,000 EIDL and a $50,000 PPP your PPP forgiveness will be reduced to $40,00...
by StevieG72
Sun May 10, 2020 5:37 am
Forum: Personal Consumer Issues
Topic: Where should I go for extended warranty on my Toyota?
Replies: 35
Views: 1842

Re: Where should I go for extended warranty on my Toyota?

You do not need an extended warranty! Better off using the money saved for repairs as needed, you remain in control. But the extended warranty and the repair you need will not be covered by the warranty and you will pay out of pocket anyways. I have seen horror stories of folks with major claims den...
by StevieG72
Sun May 10, 2020 4:42 am
Forum: Personal Investments
Topic: How to add ballast to a taxable account?
Replies: 26
Views: 2548

Re: How to add ballast to a taxable account?

I use VWALX (High yield tax exempt) bond fund).
by StevieG72
Sat May 09, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3144

Re: Is it worth buying an infant car seat for each car.

To install them properly it can be a PAIN. Frequently moving car seat increases the likelihood of it being installed incorrectly.
I would vote for having one in each car.
by StevieG72
Fri May 08, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage vs 30 year payoff in 15
Replies: 41
Views: 3375

Re: 15 year mortgage vs 30 year payoff in 15

Do you live in a HCOL area? That is an expensive house! You may want to scale back on your housing budget especially if your job is not stable.

Add in taxes, maintenance, utilities etc. and you may be house poor.

In your situation I would go with the 30yr for flexibility with monthly cash flow.
by StevieG72
Fri May 08, 2020 7:55 am
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 2654

Re: Thank you, moderators!

+1

I appreciate the civil discourse found here, thank you moderators for keeping the discussions civil!
by StevieG72
Wed May 06, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 158
Views: 12939

Re: Optimizing PPP Forgiveness

So the guidelines for PPP forgiveness are clear as mud, I expect there to be some updates in the future as funding is the primary focus at this time. I was fortunate enough to have both EIDL funded as well as PPP loan. This adds to the confusion for navigating loan forgiveness. ( I know good problem...
by StevieG72
Tue May 05, 2020 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Taking a pay cut to get off work earlier?
Replies: 30
Views: 1644

Re: Taking a pay cut to get off work earlier?

Are you working 3 days a week 12hr shifts?

Its not crazy at all, money is not everything.
by StevieG72
Sun May 03, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4657

Re: Front load washing machine recommendations

I used to envy folks with the fancy front load machines. Then my mom got one and fights with mold issues. Leave the door open all the time?!?!? Depending on where the machine Is located that could be less than convenient. My top load does the job, no fuss. WilL be sticking with what works. ( helps t...
by StevieG72
Thu Apr 30, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 158
Views: 12939

Re: Optimizing PPP Forgiveness

Another thing to keep in mind is that EIDL and PPP proceeds should not be used for the same expenses.

If EIDL proceeds are used for payroll the amount used offsets the PPP loan forgiveness.

I plan on using EIDL for accounts payable. EIDL was funded this week. PPP is still an unknown.
by StevieG72
Wed Apr 29, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Boat club - liability insurance
Replies: 8
Views: 662

Re: Boat club - liability insurance

I would advise against the boat club, they are terribly expensive for what you get. Boat availability seems to be a huge issue with most clubs. Once you sign up you are committed, good luck trying to get out. Have you thoroughly researched the boat club? I researched boat clubs for simplicity, ended...
by StevieG72
Wed Apr 29, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7146

Re: How do you explain no COVID19 Stimulus Payment?

I was asked by my ex-wife, my answer was nope have not received one.
by StevieG72
Wed Apr 29, 2020 6:54 am
Forum: Personal Consumer Issues
Topic: Should I accept a "free" vehicle from family member?
Replies: 22
Views: 2408

Re: Should I accept a "free" vehicle from family member?

It is great to have a beater truck for picking up mulch, moving things etc.
by StevieG72
Wed Apr 29, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Mortgage company for Daughter
Replies: 12
Views: 966

Re: Recommendations for Mortgage company for Daughter

Shop for the best rate, as others mentioned. The loan may be sold anyways so she may have a different lender in the end anyways.
by StevieG72
Wed Apr 29, 2020 6:48 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3246

Re: Highlander or RAV4

Rav4 is too small IMO, safety should be a consideration as well. The Highlander would fair better in an accident.

Gas is cheap right now, of course that will likely change at some point.
by StevieG72
Wed Apr 29, 2020 6:11 am
Forum: Personal Investments
Topic: Why shouldn’t I do this?
Replies: 43
Views: 2352

Re: Why shouldn’t I do this?

Bad idea.

“Bulls make money, bears make money, pigs get slaughtered.”
by StevieG72
Wed Apr 29, 2020 6:08 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 3689

Re: PPP Loan ethics

Meh... the amount you applied for is minimal.

The economic uncertainty clause has been updated with additional guidelines with the second round of funding. The update is in response to big businesses (with more resources) obtaining funding while many small business owners did not get funded.
by StevieG72
Sat Apr 25, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6971

Re: Go or no go on Carnival cruise

I would cancel. We are not out of the woods yet, too many unknowns.

I love cruises, and hope the industry recovers and it is safe to cruise again soon.
by StevieG72
Thu Apr 23, 2020 8:41 pm
Forum: Investing - Theory, News & General
Topic: Optimal timing of automatic investments
Replies: 6
Views: 434

Re: Optimal timing of automatic investments

Brianmcg321 wrote:
Thu Apr 23, 2020 7:50 pm
The best time to invest is when you have the money.
This, I invest weekly as money is earned.
by StevieG72
Tue Apr 21, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Type of Lawyer needed or advice
Replies: 29
Views: 2413

Re: Type of Lawyer needed or advice

Five acres sounds like a good distance between neighbors.
by StevieG72
Mon Apr 20, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 2936

Re: BMW X5 - advice on purchase

Don’t buy one.

Maintenance on these vehicles is EXPENSIVE! My friend is a service writer for BMW, he would not own one outside of working for the dealership.
by StevieG72
Mon Apr 20, 2020 7:54 am
Forum: Investing - Theory, News & General
Topic: Deflation is everywhere. Get used to it.
Replies: 151
Views: 14878

Re: Deflation is everywhere. Get used to it.

Three more words...

Stay the course!
by StevieG72
Mon Apr 20, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31073

Re: Car Dealers not really wanting to make a deal

I am in the market for my kiddo's first car. Luckily I have a Julyish time frame. So far I have not seen any AMAZING deals that make me want to jump. Toyota Corolla is my choice for her, the airbag recall is an issue though. I contacted one dealer and asked if they had already or would complete the ...
by StevieG72
Sun Apr 19, 2020 5:38 am
Forum: Personal Consumer Issues
Topic: Florida HOA complaining of Weeds in Lawn
Replies: 101
Views: 8738

Re: Florida HOA complaining of Weeds in Lawn

My yard has more weeds than grass. It is all green though, I mow it and get on with my life. Not a big fan of using a lot of chemicals on the lawn.

Imagine if dandelions were rare, they may even be coveted.
by StevieG72
Sat Apr 18, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why not buy mobile homes instead of overpriced traditional homes?
Replies: 78
Views: 7659

Re: Why not buy mobile homes instead of overpriced traditional homes?

County assessor assesses my land value at over $1 million in SoCal. Whether you choose to build a nice house or park a trailer is up to you. This.... you can but a mobile home for less money, but you have to have somewhere to put it. Buying land will be expensive. Living in a mobile home park, the ...
by StevieG72
Fri Apr 17, 2020 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31073

Re: Car Dealers not really wanting to make a deal

heard an ad on the radio this morning from a large local dealer offering a new program "fully online" purchase. "no need to step foot on the dealer lot" I can't imagine dropping $30k on a vehicle without at least test-driving it...but maybe some people will? I did it 3 years ago. Drove the car off ...
by StevieG72
Fri Apr 17, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7482

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Application accepted and loan number generated by Chase on 4/8. Radio silence Today 4.17 reply came that SBA has run out of money. We have already reached out to people who got the loans. We understand that you are frustrated Yada Yada Ouch! I finished my application on 4/14 only to find out yester...
by StevieG72
Fri Apr 17, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7504

Re: Which iPhone would you buy today?

There is a small inexpensive connector that you can buy that will let you use regular headphones. It plugs in to charging port I believe.
by StevieG72
Fri Apr 17, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7504

Re: Which iPhone would you buy today?

Pulled the trigger on the new SE 2020 this morning (pre-order). I am upgrading from a 6S that has tragic battery issues ( even after battery replacement). $399 is a great price, my other option was a iphone X pre-owned for $299.00. Considering battery issues are my reason for upgrading, new vs. used...
by StevieG72
Fri Apr 17, 2020 7:25 am
Forum: Personal Investments
Topic: Vangaurd / missed Admiral upgrade
Replies: 0
Views: 326

Vangaurd / missed Admiral upgrade

So learn from my mistake, I was reviewing my account with Vangaurd this week and stumbled on a missed opportunity. Vangaurd had an explanation point icon near one of my funds. (it is very small, same font color, very unassuming) Anyways I remember seeing this icon before. I finally clicked on it and...
by StevieG72
Wed Apr 15, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13464

Re: How many paid for kids' college?

I plan on paying for at least 4 years of in state tuition. I was late to the game starting a 529, depending on the returns I may or may not use these funds for her education. If not used for her they will be available for grandchildren.( assuming I may have them) She understands that there is no fre...
by StevieG72
Thu Apr 09, 2020 9:23 pm
Forum: Investing - Theory, News & General
Topic: Cares Act Payroll Protection Program
Replies: 154
Views: 9492

Re: Cares Act Payroll Protection Program

If you have a relationship with a small local bank, that is the way to go.

I have had little response from Truist (BB&T / Suntrust)

Applied with my local credit union and got a quick response, hopefully the CU can make it happen.
by StevieG72
Thu Apr 09, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17132

Re: What will you do first, once COVID pandemic is over?

I am an introvert, so social distancing is what I do anyways! Unfortunately I operate an essential business, so I am working 6 days a week at my store. I would like to plan an amazing vacation once it is safe to do so. Last year was a rough year for my kiddo, diagnosed with Chron’s ( had to cancel a...
by StevieG72
Wed Apr 08, 2020 9:49 am
Forum: Personal Investments
Topic: How often do you add money to stock market?
Replies: 48
Views: 3352

Re: How often do you add money to stock market?

Weekly as it comes in / earnings.
by StevieG72
Fri Apr 03, 2020 9:35 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50461

Re: How Is Your Job Being Impacted By The Current Crisis?

I work in retail considered essential. Business is changing and we are adapting.

We have a stay at home order in my state, I can assure you, people are not staying at home.
by StevieG72
Thu Apr 02, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: Cares Act Payroll Protection Program
Replies: 154
Views: 9492

Re: Cares Act Payroll Protection Program

Anyone able to find the 128pg document from Dept of Labor that outlines specific regulations for Covid-19 paid leave? I had a conference call that references it, but can’t seem to find the document.

As it stands I have 1 employee out for reason #4.
by StevieG72
Thu Apr 02, 2020 5:45 am
Forum: Investing - Theory, News & General
Topic: Investing in stocks in the current market conditions: how and when would you do it?
Replies: 83
Views: 5801

Re: how many Bogleheads cheating..

Nope, peeked at Delta since Warren Buffett bought a boatload. I will not buy, my simple portfolio has served me well.
by StevieG72
Tue Mar 31, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4256

Re: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?

Meh....

I absolutely love movies / shows based on true stories as they call them, however I watched episode 1 and don’t see what the fuss is about.

Did not find the story that outrageous as some have commented. Peeked at episode 3, skipped 2 and threw in the towel after about 5 min.
by StevieG72
Sun Mar 29, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: The end of cruise ships [cruise line stock prices]
Replies: 246
Views: 26081

Re: The end of cruise ships

Cruises have always seemed gross to me. Almost as gross as planes. But to each his own. A floating Port-O-John comes to mind. A floating all you can eat buffett, inside a port-o-john, with extremely limited phone/internet connectivity. Not every experience is like that. We had a total of 3000sqft o...
by StevieG72
Sun Mar 22, 2020 8:59 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190769

Re: eerily quiet in the hood

It could stand to be a lot more quite in my area.

For numerous reasons people just can't seem to stay put.
by StevieG72
Fri Mar 20, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 99
Views: 9378

Re: Thinking I should go car shopping amidst the panic

I am in the market for a car for the kiddo. So far have not seen any variance in pricing. I do believe it is coming soon.
On the other side of the coin my finances have been impacted as a small business owner so I will have to see how the next month or two plays out.
by StevieG72
Fri Mar 20, 2020 4:10 am
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 66
Views: 5105

Re: Pay cleaning lady during coronavirus pause?

My cleaning lady left me for another man 12 yrs ago, have not replaced her yet. No rush.