Search found 553 matches

by StevieG72
Mon Oct 16, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 3441

Re: Joined the 1 comma club today!!!

Congrats on reaching your goal!
by StevieG72
Sun Oct 15, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1861

Re: contributing to friend's non-profit?

I would skip the fundraising event. If this person is a friend worth keeping, declining to contribute to this venture will have no impact. Often times giving once to any particular charity gets you on the list to be contacted for future donations. I have experienced the same thing, and feel the same...
by StevieG72
Sun Oct 15, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1744

Re: Storing Lawn Tractor over the Winter

-Fuel stabilizer is the easiest option. I would recommend running it a bit after adding the stabilizer so that the carburetor has stabilized fuel in it. If the tractor has a fuel valve, you can turn it off, stabilize the fuel in the tank, and run the fuel out of the carburetor. It will be good to go...
by StevieG72
Sun Oct 15, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 3738

Re: HSA’s: What level of risk do you prefer?

I look at all of my investments as a whole.

Bonds are in my HSA for tax efficiency.
by StevieG72
Sat Oct 14, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1263

Re: Happy Consumer Story (Backpacking Tent)

Bennett trim tabs on my boat, I bought the boat used and had no clue when they were installed.

I had a problem with the control module and they sent me a new one.

They have a solid reputation for taking care of their customers.
by StevieG72
Sat Oct 14, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3222

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

S&P 600

Hindsight is 20/20, chasing performance is a good way to lose money.
by StevieG72
Sat Oct 14, 2017 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1873

Re: Selling Tradelines

Sounds very sketchy. Since you are adding them as an authorized user, what prevents them from charging on the card? They never receive a card. My concern would be a call to the card issuer from the authorized user to request card number or a physical card. I am assuming the card issuer will only do...
by StevieG72
Sat Oct 14, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 11
Views: 922

Re: Auto Transport From Florida to Oklahoma.

My condolences for your loss. If you don't have any emotional/ sentimental attachment to this vehicle it may be best to donate it and take the tax deduction. If you really want it just do your due diligence on the brokers. A friend of mine purchased a sports car on Ebay sight unseen and had it trans...
by StevieG72
Fri Oct 13, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6361

Re: How many miles/years do you keep your car?

:sharebeer Just thinking about how much one can save from buying used car vs. new. I guess new car smell, instant gratification (new tech), luxurious feeling might be enough for some people to pay extra. I bought my first new vehicle this year. I had limited time since my previous car was totaled. ...
by StevieG72
Fri Oct 13, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Part time Job
Replies: 5
Views: 624

Re: Part time Job

Sounds like you are stretching yourself thin.

School, FT job, PT job, & 2 young kids, makes me tired just thinking about it!

I would give up the PT job and spend more time with the kids, they grow up fast!
by StevieG72
Fri Oct 13, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to diversify investments
Replies: 9
Views: 858

Re: Looking to diversify investments

Welcome to the forum! Sounds like a good target percentage for international. Vangaurd recommends 30-50% international. 40% may be the sweet spot. VGTSX is a good option. Some folks like to break international in to 3 sectors - Europe, Pacific, & Emerging Markets. I have done this previously but hav...
by StevieG72
Fri Oct 13, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1873

Re: Selling Tradelines

Sounds very sketchy.

Since you are adding them as an authorized user, what prevents them from charging on the card?
by StevieG72
Fri Oct 13, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6361

Re: How many miles/years do you keep your car?

I am shooting for 300,000 miles on my 2016 Toyota 4Runner! I will report back im a few years....

Was aiming for 200,000 on my last vehicle. Was totaled at 145,000 miles.
by StevieG72
Wed Oct 11, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2576

Re: Social Security Card - Should I get a Replacement

I too have been missing mine for decades.

No plans to replace it.
by StevieG72
Sun Oct 08, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 1968

Re: Most expensive gel car battery or cheapest? How often?

I think the Optima batteries are worth the extra money. Purchased an Optima Red for my SUV, it was a great battery and lasted many years. You can find coupons / discounts from Advance Auto. Order online for best pricIng. I typically wait until the battery dies before replacing, but was a little more...
by StevieG72
Sun Oct 08, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Selling gold jewelry
Replies: 17
Views: 1512

Re: Selling gold jewelry

Any recommendations on where to sell a gold ring with diamonds?
by StevieG72
Sun Oct 08, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1499

Re: What do you do with your empty inkjet cartridges?

I take mine to the kiddos school.

They have a box to collect them. Never asked about the specifics as to what they do with them.

It is better than dropping in the trash, and benefits the school somehow.
by StevieG72
Sun Oct 08, 2017 7:32 am
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 17
Views: 1825

Re: individual stock taxable account emotions

What percentage of your portfolio Is invested in these stocks?

#4 sounds like a good idea. How much money would you still have invested if you did this?
by StevieG72
Thu Oct 05, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4142

Re: How much worth house should one buy?

I bought a house I could easily afford on one income 17 years ago.

Still live in the same house even though my income is 5X what it was 17 years ago.

On track for FI sooner vs. later...
by StevieG72
Tue Oct 03, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Similar to: Can I Afford it?
Replies: 8
Views: 1275

Re: Similar to: Can I Afford it?

I like the can I afford it segments too.

Some of the posts on Bogleheads could be simplified to "Can I afford it".

And of course, if you have to ask, the answer is probably no!
by StevieG72
Sun Oct 01, 2017 5:32 am
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 5423

Re: How long did it take for Equifax to email you a security sign up?

I never got an email with final details concerning signing up for their credit monitoring service. Keep in mind that if you do sign up for this service that you are waiving your right to participate in any lawsuit against Equifax, unless you notify them in writing within 30 days that you do not wish...
by StevieG72
Sat Sep 30, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEAD CONTEST -- Third Quarter Leaders
Replies: 13
Views: 1885

Re: 2017 BOGLEHEAD CONTEST -- Third Quarter Leaders

I made the top 20, barely....

I am ok with losing and the Market continuing to rise.......

I am currently rebalancing so stocks going on sale is not attractive to me...
by StevieG72
Sun Sep 24, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Home security advice
Replies: 15
Views: 1636

Re: Home security advice

I really like the doorbell camera idea. A thief will typically knock on the door or ring the doorbell prior to entering. ( they basically want to check if anyone is home )
by StevieG72
Sun Sep 24, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 36
Views: 2395

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

Terrible idea.

A friend's parents allowed their policy to lapse.

House burned to the ground a few weeks before xmas.

It is not a gamble worth taking, insurance is relatively cheap.
by StevieG72
Sun Sep 24, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5113

Re: Toilet Woes

Sounds like you have multiple issues. The newer water saving toilets work amazingly well! I would replace the toilet. It is an easy DIY project. I had chronic issues with a toilet, finally replaced it and wish I had done so sooner. The chair height toilets are great, sometimes its the little things....
by StevieG72
Fri Sep 22, 2017 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Needing a little guidance!
Replies: 16
Views: 1435

Re: Needing a little guidance!

Welcome to the forum! While investing on your own may be intimidating, you will be better aligned to achieve your goals if you manage your own investments. Unfortunately if you seek help from paid professionals you will be exposed, and possibly sold whole life, annuities, & products with high fees. ...
by StevieG72
Mon Sep 18, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2365

Re: Any Ford Escape drivers in Boglehead-land?

Having owned one, I would recommend looking at other options. My major heartburn with my Escape was the transmission failure. Ford had some chronic transmission issues with a few models, my Escape happened to have one of their problematic transmissions. Looks like the MSRP starts at just below $25,...
by StevieG72
Mon Sep 18, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 16677

Re: Who has needed to use their umbrella insurance?

Interesting recap of some actual claims.... http://www.galleninsurance.com/wp-content/uploads/2011/08/10-Actual-Claims-On-a-Personal-Umbrella-Policy.pdf I am in the process of getting an umbrella policy. Geico insures my auto & boat so I will likely get my umbrella policy with them. Spoke with an ag...
by StevieG72
Sun Sep 17, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 16677

Re: Who has needed to use their umbrella insurance?

I am still trying to figure out why people are insuring their umbrellas.
by StevieG72
Sun Sep 17, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: To Refinance or not to Refinance
Replies: 17
Views: 1418

Re: To Refinance or not to Refinance

Watty wrote:
Fri Sep 15, 2017 4:09 pm
Payoffhouse wrote:
Fri Sep 15, 2017 3:56 pm
What would you do if you were in my shoes?
Contact different lenders until you find one that that will refinance the whole balance. Your current lender has a lot of incentive for you to keep paying the high interest rate.
+1
by StevieG72
Sun Sep 17, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Question about Carfax report/used car
Replies: 6
Views: 526

Re: Question about Carfax report/used car

I think it just means that particular dealer took possession / ownership of the vehicle. I guess the dealer could have put the miles you are questioning on the car if it has been in their possession for the 3 months of "inactivity" you mentioned. I doubt they put 3,000 miles on it in 2 weeks but I a...
by StevieG72
Sun Sep 17, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2673

Re: Vanguard customer service/technology = "Bad returns in Bad times"

sharukh wrote:
Fri Sep 15, 2017 3:09 pm
in total i spent 35+ hours on phone..
Wow, that is ridiculous!
by StevieG72
Sun Sep 17, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20191

Re: Iphone X is $1000

BW1985 wrote:
Tue Sep 12, 2017 3:06 pm
Will the prices of the 6 and 7 models drop now that the 8 and X are out?

Yes, they have in the past.

6s Dropped by $100 last year when the iphone 7 launched.
by StevieG72
Sat Sep 16, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Help selling scion xa
Replies: 44
Views: 3025

Re: Help selling scion xa

You can sell it yourself quickly and easily using Craigslist. Price the car competitively, include any known imperfections in the listing. Ask for cash from the buyer, be cautious with any other forms of payment. Be able to detect a counterfeit bill as well. If you try to squeeze every cent out of t...
by StevieG72
Sat Sep 16, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2365

Re: Any Ford Escape drivers in Boglehead-land?

Having owned one, I would recommend looking at other options. My major heartburn with my Escape was the transmission failure. Ford had some chronic transmission issues with a few models, my Escape happened to have one of their problematic transmissions. Looks like the MSRP starts at just below $25,0...
by StevieG72
Sat Sep 16, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24217

Re: Name something you had to have and now you regret purchasing it?

Teague wrote:
Sat Sep 09, 2017 11:33 pm
A Groupon deal for a discount colonoscopy.
:shock:
by StevieG72
Sat Sep 16, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20191

Re: Iphone X is $1000

These prices are ridiculous. I love the Iphone but don't need the latest model as soon as it comes out.
I am currently using a 6s.
by StevieG72
Sat Sep 16, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Whole Life Insurance Agent Will Not Cash Out My plans
Replies: 14
Views: 2130

Re: Whole Life Insurance Agent Will Not Cash Out My plans

It is probably time to raise the noise level. Contact the company directly that the policies are written with, maybe they can expedite the payout and prevent you from having to pay another premium payment. I feel for you, early in my career a "Financial Advisor" tried to sell me a $500,000 Whole Lif...
by StevieG72
Sat Sep 16, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 5146

Re: Mother-In-Law dying, Wife wants to buy a Porsche

Sounds like a sticky situation. She wants a Porsche, you already bought one for yourself. What's good for the goose is good for the gander. My suggestion would be to wait until the dust settles and then take a look at the family finances together. If after a review she still wants the Porsche, you m...
by StevieG72
Thu Sep 14, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10687

Re: The 10 year car ownership "rule"

I prefer cents per mile vs. 10yr rule.

If I spend $20,000 on a car, my goal is 200,000 miles.

My current vehicle was over $30,000 so my goal is 300,000 miles. Its a Toyota so I have no doubt that it can turn 300,000.
by StevieG72
Tue Sep 12, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 88
Views: 20152

Re: Vanguard's new security key option

So I checked with Vangaurd and they informed me that to use a security key Vanguard must recognize the computer. If you have your account set to allow log on from recognized computers only, the security key will not allow you to log in to a computer that has not already been identified. I would pref...
by StevieG72
Sun Sep 10, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Rental Car Scam--Insurance claim or credit card chargeback?
Replies: 9
Views: 1556

Re: Rental Car Scam--Insurance claim or credit card chargeback?

Sounds like one of the many horror stories about renting a car in another country. A CC chargeback will not likely be fruitful. The rental car company claims you damaged the rental, you claim you did not. Fraud on the rental companies part will be hard if not impossible to prove. I would attempt rec...
by StevieG72
Sun Sep 10, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 88
Views: 20152

Re: Vanguard's new security key option

I am intrigued by the security key option, but dissapointed that SMS may not be disabled at this time. Apparently SMS is reserved for not having the security key OR logging in from a mobile device. So you would not have to call to request the SMS I am assuming. Folks that already have security keys ...
by StevieG72
Sat Sep 09, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32448

Re: Can't freeze credit at Experian?

Same thing happened to me.

I immediately tried again and got the same error message, no verification questions.

Tried one last time, maybe 30 min had passed since 1st attempt, and it gave me a new set of verification questions and finally processed the request to freeze.
by StevieG72
Sat Sep 09, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47181

Re: Equifax customer information leak

So I have thought about freezing my credit before but did not want to spend $30 ( $10 for each of the 3 major players, fees vary by state) The Equifax breech pushed me over the fence. I pulled my credit report to look for anything that should not be there and then proceeded to freeze my credit with ...
by StevieG72
Fri Sep 08, 2017 3:31 am
Forum: Investing - Help with Personal Investments
Topic: [Just setup Vanguard account, looking for good strategy]
Replies: 8
Views: 817

Re: [Just setup Vanguard account, looking for good strategy]

If you want to do basically the right thing and don't have a better idea, Vanguard's Target Date funds will pretty much get you there. The "age in bonds" is slightly different than how the Target Date fund works - it plans more of a "sideways S", staying at 90/10 until 25 years to retirement and th...
by StevieG72
Thu Sep 07, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 39552

Re: Flaunt Your High-Mileage Car

My high mileage car was totaled last year. :(

Had a Ford Escape with 145,000 miles, was shooting for 200,000

Now own a 2016 Toyota 4Runner, getting ready to role 10,000 miles. Goal for this one is 300,000 miles!
by StevieG72
Wed Sep 06, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4907

Re: Do I need an Amazon Echo??.....

Ehh....

Novelty will likely wear off in short time.

Side note, I have issues with voice recognition with both my vehicle & Siri. Me and Siri broke up it was so bad. A friend setup an Echo and experienced some voice recognition issues.
by StevieG72
Wed Sep 06, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 78
Views: 7233

Re: To take or not to take delivery of Tesla 3

Not including the non-dorky wheel option would be a deal breaker for me. Increasing my budget to 60k would not be a good option for me either. Sounds like there is demand for the vehicle, how quickly do they depreciate? You could possibly purchase and resell if it is not 60k awesome to you. How much...