Search found 729 matches

by StevieG72
Thu May 17, 2018 2:23 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7548

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Nobody knows nothing, including your friend.

IF stocks show a decline within his timeftame it is simply a coincidence.

Even a blind squirrel gets a nut occasionally....
by StevieG72
Tue May 15, 2018 6:58 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8953

Re: The front page is ugly

Less is more...
by StevieG72
Tue May 15, 2018 6:50 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2549

Re: How did you fall in love with investing?

I fell in love with DIY investing after a financial advisor / insurance salesman tried to sell me a whole life policy with premiums of $800 a month.
by StevieG72
Mon May 14, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 60
Views: 15191

Re: Stopping unwanted "junk" newspaper

I too hated receiving these and always just tossed them in the trash.

They actually stopped some time ago, I can't remember exactly when.

I certainly do not miss them!
by StevieG72
Sun May 13, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: [Pass-Thru Entities Questions Thread]
Replies: 141
Views: 10706

Re: Queston about pass through income in new tax law

cadreamer2015 wrote:
Fri Dec 22, 2017 12:54 pm
Thanks to both previous posters. I did try to read the law and it made my head hurt. I guess I will trust that TurboTax will have figured it out 12 months from now :)
+1

I bailed before I got a full blown migraine. Clear as mud!
by StevieG72
Sat May 12, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 3853

Re: Is Whole Life Insurance Worth It?

Just say no to whole life!
by StevieG72
Thu May 10, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 1825

Re: Reccommended Minivans

My mom was in the exact same boat a few weeks ago. Her vehicle had 180,000 miles on it and was starting to give up the ghost. We found a nice 2016 Toyota Sienna with 25,000 miles on it, still under factory warranty for $22,400. Has all of the latest safety features, dual climate control, backup came...
by StevieG72
Mon May 07, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Credit Card Piggybacking
Replies: 18
Views: 968

Re: Credit Card Piggybacking

Risk / reward ratio is not where I need it to be to pull the trigger on this one. I can imagine an authorized user calling for a replacement card or making purchases online without a physical card etc. If you were to add an authorized user and somehow they actually manage to use the card, what recou...
by StevieG72
Sat May 05, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17658

Re: Ed. Jones rep didn't like our plan, now we're locked out

Such is life, talk about a lack of professionalism! Withdraw everything from EJ and let everyone that will listen know (at EJ) the reason is due to the unprofesional way your parents were treated. This is how 20 yr. customers are treated? No thanks, I will pass. Should be no big deal getting access ...
by StevieG72
Sat May 05, 2018 4:47 am
Forum: Investing - Help with Personal Investments
Topic: Invest lumpsum, "cost averaging" or "wait for the crash"
Replies: 56
Views: 3575

Re: Invest lumpsum, "cost averaging" or "wait for the crash"

Option C is the way to go....

Pull the trigger now and don't look back.
by StevieG72
Sat May 05, 2018 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31206

Re: Those with high savings rate: why?

EGARCH wrote:
Thu Mar 15, 2018 7:25 pm
  • You have no interest in increasing your consumption now, including giving more money to charity
This first and foremost, however I would like to retire sooner vs. later.

I do plan on leaving an inheritance to my kiddo.

A better question would be "Those with a low savings rate: why?"
by StevieG72
Sat May 05, 2018 4:19 am
Forum: Personal Finance (Not Investing)
Topic: Auto accident - Totalled and Insurance questions
Replies: 8
Views: 775

Re: Auto accident - Totalled and Insurance questions

You are not going to see a negative impact for a not at fault accident.

Drop the car from your policy.

Make sure the friends car is insured.
by StevieG72
Sat May 05, 2018 3:45 am
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 4718

Re: Buying a Boat

Boglehead boat owner here. Do it! Great memories with friends and family. My advice is to look for an older boat with a newer motor. The motor is where the money goes, they are expensive. I was able to find a 22’ Center Console with a Suzuki 4 stroke motor. 1997 Boat / 2013 Motor ( motor still under...
by StevieG72
Fri May 04, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2033

Re: Las Vegas shows

Beatles Love cirque is amazing!

Vegas has many great shows, kinda depends on your interests.

The worst show in town was my marriage 15 yrs ago...
by StevieG72
Mon Apr 30, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8599

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Yikes! Sounds scary for the parents. Safe car with contingency plan for flats etc. Emergency supplies in vehicle, water and nonperishable food. Satellite phone! Cell service can be nonexistent in some areas out west. True story.... a girl got lost on a solo trip near the grandcanyon, took a wrong tu...
by StevieG72
Mon Apr 30, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3387

Re: Asked to be Executor - What questions to ask

Do you plan on doing this work for free or charge a fee to the estate? Either is acceptable, if you plan on charging a fee this should be clearly communicated in the will. Otherwise the children may balk especially if they are not familiar with the process. It is a lot of work, in my opinion it is r...
by StevieG72
Sat Apr 28, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3361

Re: Auto loan or dip into emergency fund?

Sounds like they are playing games with you. You can only get this rate if you buy this extended warranty? ( don’t buy the warranty ) They make money off of the warranty & the financing. If they want to put the screws to you, turn the table. Get a loan from somewhere else, you do not have to finance...
by StevieG72
Wed Apr 25, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 5947

Re: Who benefits from "best and final offer" on condo?

The seller asked for a 'best and final offer' or a BAFO. You submitted yours and asked for a side deal. If the seller had used the other buyer's BAFO and negotiated a higher price with you, that wouldn't have been fair to the other buyer. It's called bid shopping and not an ethical thing for the se...
by StevieG72
Wed Apr 25, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 12373

Re: A Rant about Ticker Speak

My 2 cents....

For common symbols such as VTI, no big deal.

If I see a long post with a bunch of ticker symbols that I do not recognize, I just move on.
by StevieG72
Tue Apr 24, 2018 5:38 am
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 4144

Re: In-laws financial advisor rip off

The best way to avoid any additional drama is TO NOT GET INVOLVED. Even if your wife asks, you can politely reply "your parents need to ask for help or start reading Bogleheads.org, we don't need the extra drama/pressure that come's from trying to change their ways". It's hard to do but you will sl...
by StevieG72
Mon Apr 23, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Job Interview - Send follow up email?
Replies: 16
Views: 1680

Re: Job Interview - Send follow up email?

In my opinion it can’t hurt to check back in with a follow up email. It lets them know you are really interested in the job. If they are considering you as a candidate the follow up email will be beneficial. If you have been ruled out it may be mildly annoying, however no loss for you simce you have...
by StevieG72
Sat Apr 21, 2018 4:45 am
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2617

Re: How long have you been employed?

33 years, including the paperboy gig....

Hoping to retire in roughly 9 yrs at 55.
by StevieG72
Thu Apr 19, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4468

Re: Are you keeping more in cash?

Sounds reasonable.

It was smart to move to bonds when Money Market was next to nothing.

If the rates are rising to a level where you feel more comfortable keeping your cash reserves go for it!
by StevieG72
Wed Apr 18, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house... does this make sense?
Replies: 24
Views: 2422

Re: Expensive house... does this make sense?

Ummm no, you can’t afford it. It is great to own a home, however they come with plenty of problems. Have you budgeted for home repairs? How does the math look when the HVAC system needs a major repair or needs to be replaced? If you decide to buy a house, purchase one you can easily afford on your i...
by StevieG72
Wed Apr 18, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8464

Re: Should we save for our son's college?

Save for the kids education, just let them know that there is no free lunch. I told my daughter that I will help her with college expenses IF she gets good grades. Otherwise she is going to have to figure it out on her own. My income is much less than yours and I set aside money for the kiddos colle...
by StevieG72
Tue Apr 17, 2018 9:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 304
Views: 29794

Re: Post your Financial Milestone Announcements Here

StevieG72 wrote:
Tue Apr 17, 2018 9:42 pm
cfs wrote:
Tue Apr 17, 2018 9:11 pm
Inactivity here. Anyone hitting two comma level, anyone paying off the mortgage, anyone, anyone . . . Gracias por leer / cfs
Mehh, it’s crunchtime for procrastinators, tax deadline is looming.
by StevieG72
Tue Apr 17, 2018 9:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 304
Views: 29794

Re: Post your Financial Milestone Announcements Here

Only multiple commas I have are in sentences...
by StevieG72
Tue Apr 17, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Child in college w/$500 income on W-2 - File taxes?
Replies: 27
Views: 2435

Re: Child in college w/$500 income on W-2 - File taxes?

Looking at this link it appears she does not need to file a return..... https://www.irs.gov/publications/p929 While others say great learning experience which is true, it is crunch time and I would not bother. In addition you may have to use a separate software to file federal and state for free. Mo...
by StevieG72
Sun Apr 08, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 38
Views: 3219

Re: Toyota 4 Runner

I own a 2017 4Runner SR5. I have wanted one for over 10 yrs. my previous vehicle was totaled so I pulled the trigger on the 4Runner, didn't even test drive it! 1st impressions were that it drove like a truck and the handling felt loose, however once I got accustomed to the handling it no longer feel...
by StevieG72
Wed Apr 04, 2018 5:09 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5697

Re: 2018 Camry. What's wrong with me?

Do not be alarmed, the BMW set you up for failure. This can be overcome! Drive around a beater for 6 months. No AC, aftermarket radio from 1990, squeeling belts when you start it, car diesals for a solid minute after turning it off, seats feel like bleachers, manual everything etc. Then go drive the...
by StevieG72
Sat Mar 31, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5431

Re: New car on lot for 102 days. Concerns?

I purchased a vehicle at the end of the model year.

Only issue was some vibration in the steering wheel that was probably incorrectly attributed to flat spots in tires from the vehicle sitting for so long.

At any rate the problem worked itself out before first service at 5,000 miles.
by StevieG72
Sat Mar 31, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3212

Re: Online meals, anyone do these?

I use Hello Fresh and really enjoy the variety and simplicity.

I may order once or twice a month. Pay about $60 for 3 meals 2 servings each.

The food is fresh, portions are adequate, and I am eating slightly healthier.
by StevieG72
Sat Mar 31, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3369

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

Let Geico handle it...

They will also,recover your deductible as part of the claim, they conveniently leave that part out...
by StevieG72
Thu Mar 29, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9287

Re: Not going to be buying chicken for a while...

I had some chicken this evening.

Nothing abnormal about the bird.

I have not experienced this phenomenon.
by StevieG72
Thu Mar 29, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 2908

Re: How many are using Automatic contributions?

Weekly to taxable, set it and forget it....
by StevieG72
Thu Mar 29, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9576

Re: How Do You Value Your Home for Net Worth Purposes?

Zestimate from Zillow.

I do not subtract out mortgage initially, since that is listed as a liability.

I keep a balance sheet that is updated monthly.

Net worth is slightly north of nothing....
by StevieG72
Sat Mar 24, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 2686

Re: What car should I get

Buy the Camry, great car will last many years.
by StevieG72
Sat Mar 24, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22641

Re: Anyone Deleting Facebook?

I have a fake account that I use to screen job applicants. Good tool, I have passed on many applicants based on information from FB. Side note, if we are going to classify Bogleheads as social media I want everyone to know that I had Lucky Charms with vanilla icecream for dinner last night. Sorry, f...
by StevieG72
Sun Mar 18, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 4466

Re: Vanguard Personal Advisory Services Fees

I believe VPAS overcharges for what they offer. Basically a LS Fund broken into smaller parts for 30 basis points. That being said, My wife knows to call VPAS immediately upon my death and sign up. The alternatives to VPAS are much worse. Regards, John This is the simplest solution. Have a brief co...
by StevieG72
Sun Mar 18, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Purchasing 1st Car under 3K
Replies: 33
Views: 2306

Re: Advice on Purchasing 1st Car under 3K

Good luck....

My last search for a car in the $5,000 range was fruitless.

Ended up purchasing a car from Hertz still under warranty for about $11,000.

Everything in the $5,000 range was beat to death with a gazillion miles on it.
by StevieG72
Sun Mar 18, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 8399

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

Pass on the opportunity to over complicate things. 16 is not better than 6, less is more. He could likely have you invested in illiquid assets such as thinly traded REITs etc. .25% is just his fee, you will pay fund expenses on top of that. Also he can be compensated via the funds he chooses to inve...
by StevieG72
Sun Mar 11, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4600

Re: Men's Cologne

bloom2708 wrote:
Sat Mar 10, 2018 10:47 am
Drakkar Noir. Timeless. 1987 wants back in. :wink:

I prefer good clean soap smell.

No cologne at work.
😂

What is truly timeless is Old Spice original scent. Your application for SS will be expedited if you wear this!
by StevieG72
Wed Mar 07, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo as security device
Replies: 11
Views: 1429

Re: Amazon Echo as security device

Reminds me of a habit I had of leaving a radio playing while away. I was gone for a weekend. Radio was on loud enough to hear from outside of the front door, but not crazy loud. I returned home and my neighbor informed me of the police visiting my house at 2am over a noise complaint. I was not home ...
by StevieG72
Wed Mar 07, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: What's that smell?
Replies: 41
Views: 6164

Re: What's that smell?

We can be a nervous bunch on this forum.

Stocks are doing well, the bottom must be getting ready to fall out.

Stocks are tanking, the world is coming to an end as we know it.

We are the Goldilocks of investors! Market is up? Too hot!
Market is down? Too cold!

Stay the course? Just right!
by StevieG72
Tue Mar 06, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 13407

Re: What big item (>20k) are you saving up for?

bargainhuntingking wrote:
Tue Feb 13, 2018 12:38 pm
Early retirement
+1
by StevieG72
Tue Mar 06, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: In-law advice?
Replies: 24
Views: 2570

Re: In-law advice?

Sounds like you have a good plan.

Good idea to not recommend any specifics.

I had a friend that had his brother in law invest $10,000 just prior to 2008. Stocks tanked, he sold at the bottom and told the whole family about his loss blaming it on the brother in law.
by StevieG72
Tue Feb 27, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 2690

Re: Mobile Deposit Bank Fraud

Sounds like the bank should take care of this type of fraud unless too much time has passed. I do not have paper checks associated with my checking account, haven’t for many years. Also do not have a debit or ATM card either. When I occasionally need a check for a purchase I stop by the bank and get...
by StevieG72
Tue Feb 27, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Personal rules for buying in a down market?
Replies: 55
Views: 4069

Re: Personal rules for buying in a down market?

I scraped 10k together and pulled the trigger Feb 8th.

Its ok to buy when stocks decline, just don’t sell!

Be greedy when others are fearful!
by StevieG72
Tue Feb 27, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8076

Re: Physical cash

As little as possible < $100.

Cash can be lost or stolen.

A few thousand in a safe deposit box seems counterintuitive since safety deposit boxes are in the bank.
by StevieG72
Tue Feb 27, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Interesting article about VIX and other alternative investments
Replies: 1
Views: 273

Interesting article about VIX and other alternative investments

Intersting article.... https://www.msn.com/en-us/money/markets/the-next-big-bad-bet-might-be-lurking-on-wall-street-—-and-we-just-got-a-glimpse-of-it/ar-BBJEKli?li=BBnbfcN Found this amusing... “When I bought XIV at $95 today, I received a warning from my broker along the lines of, ‘Either you are r...