Search found 823 matches

by StevieG72
Sun Oct 21, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5256

Re: 8 reasons why pensions are [good]

Post title made me laugh!

Pensions are great, wish I had one in addition to my retirement savings.
by StevieG72
Sat Oct 20, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5622

Re: Pull kids from school for vacations?

I have done this frequently, no issues with the school approving the absence or arranging make up assignments.

Always ask for approval prior to planning the trip.

Bonus is travel can be significantly cheaper during the school year.
by StevieG72
Fri Oct 19, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 2835

Re: Selling to CarMax if maintenance lights on?

My mom sold a 2006 Sienna to CarMax with the trifecta of warning lights lit up. ABS, Check Engine, & Traction control I believe.

Van had 180,000 miles on it and showed its age. CarMax paid $2,000 which was generous in my opinion.
by StevieG72
Thu Oct 18, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: How to take long trips?
Replies: 3
Views: 825

Re: How to take long trips?

Thats a LONG time to be on the same ship.

There are many around the world cruises that are closer to 3 months & approximately $30k.

3 months is no big deal, most of my imortant bills are on autopay. 245 days would take some planning!

I would like to do an around the world trip when I retire.
by StevieG72
Mon Oct 15, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1069447

Re: What Movie Have You Recently Watched?

Watched July 22 ( Based on the terrorist attack in Norway) on Netflix this evening.

Good movie, slow at times but overall a well done glimpse into the events that unfolded that day as well as the trial that followed.
by StevieG72
Sat Oct 13, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3072

Re: Home Purchase - Sellers Request Help with Repairs

I think these requests are common because it doesn’t hurt to ask.

I had a similiar issue when I purchased my home, I declined the request.
by StevieG72
Wed Oct 03, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard as successor trustee - experiences?
Replies: 3
Views: 496

Re: Using Vanguard as successor trustee - experiences?

I need to set up a trust myself. I agree with OP about having a neutral trustee handle things. Read Beyond The Grave which is a great book, interesting anecdotal accounts of the train derailing. I would find it interesting and helpful to know what some of the members of this forum decided to do in r...
by StevieG72
Wed Oct 03, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11861

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

They had a home inspection and there must have been no major issues with the HVAC system.

Two days later it fails and needs replacing?

I would ignore their attempts to squeeze money out of you.
by StevieG72
Sat Sep 29, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Costco vision / first time at Costco
Replies: 21
Views: 1880

Re: Costco vision / first time at Costco

I got an exam at Costco, $50 no membership required. ( This was over a year ago, exam price may vary by location or may have increased.)

Took my prescription home, ordered a pair of glasses from Zenni for another $50.

I am really happy with my glasses!

I do not have vision insurance.
by StevieG72
Thu Sep 27, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3339

Re: Am I using facebook correctly?

I deleted my account years ago, really stopped before ever getting started.

I do have a phony account for screening job applicants.
by StevieG72
Sun Sep 23, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 25
Views: 1771

Re: Best/worst flavors of Gatorade/Powerade

I like the Powerade Zero grape, typically sell for .68 cents each at Walmart.

Great for rehydrating after yard work.
by StevieG72
Tue Sep 18, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5495

Re: State Farm nickel-and-diming me

Its all about perspective.

$135 to repair the rock chips and preexisting damage is cheap!

If you are really bent out of shape, call around to other shops and see if they can complete the repair to your standard for the amount State Farm is paying.
by StevieG72
Sun Sep 16, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12155

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Those are some ridiculous hours! I would be looking for another job. Problem is you have no time to look! With your net worth you can call it quits, retire early, focus on your wife and kids. Spend time with your boys before they launch, you will regret not doing so otherwise. You may find yourself ...
by StevieG72
Sat Sep 15, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6693

Re: Job burnout - Keep grinding or change?

Sometimes when I have a tough shift and dread it I have changed the way I perceive things. Work doesn't cause stress. The way I react and percieve input is what causes the stress. Change that and work isn't that stressful anymore. +1 I have been working on this myself. Now I try to focus on the big...
by StevieG72
Wed Sep 12, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15800

Re: iPhone XS Max

I dont get the newest iphone craze, everyone has to have it. I have been using a 6S for 2 yrs and it works great. My mom has an iphone 8, I can’t tell the difference between my phone and hers. Same size, same operating system, etc. I typically pay $200 for a new phone every couple of years. I bought...
by StevieG72
Tue Sep 11, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7512

Re: Amazon Prime - Value?

I have a delayed package this evening. Expected to see it when I returned home from work, it had not arrived no big deal. Checked status and it was in route to be delivered by 9pm. Checked at 9:30 and it is now promised tomorrow or the following day. A slight annoyance since it is a product I am out...
by StevieG72
Sat Sep 08, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8555

Re: Can Sneakers go with Business Casual?

Not a good look.
by StevieG72
Thu Sep 06, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 131
Views: 7796

Re: Should I keep my financial advisor

No, you can do it yourself. You are not alone, many people think hiring a professional is the wise thing to do. Unfortunately with investing that is the farthest from the truth. The best person to manage your money is you, no conflict of interest. $5,000 in fees for a 200k portfolio is excessive. Bo...
by StevieG72
Wed Sep 05, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: GEICO Windshield Repair and Waive of Deductible
Replies: 27
Views: 11752

Re: GEICO Windshield Repair and Waive of Deductible

It is true, I have used it twice in as many years.
by StevieG72
Wed Sep 05, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2999

Re: New Bike Suggestion

Check out hybrid bikes, may suit your needs. Faster than a mountain bike, but can still be used on trails.
by StevieG72
Tue Sep 04, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9928

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Watch a few episodes of Bad Trips Abroad on Netflix and you will be getting evacuation insurance. A few of the episodes recap folks with injuries in third world countries where the medical standards are frightening. Really depends on where you travel, but I always purchase medical evacuation insuran...
by StevieG72
Mon Sep 03, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4797

Re: How much do you spend on kids extracurriculars?

That would be excessive for me, but it may be reasonable for you. If your income / net worth supports these activities without derailing your retirement, then why not? My annual spend for my daughter is less than your monthly for 1 kid! She does volleyball and cheer currently, has also done dance an...
by StevieG72
Sun Sep 02, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: (FREE!) Art Collecting Event... what's the catch?
Replies: 11
Views: 1333

Re: (FREE!) Art Collecting Event... what's the catch?

There was an American Greed episode about fraudulent prints sold to cruise lines. I am sure this is not the case for the artwork your mom bought, it just brings me to question the vetting process. I avoid the art auction while on a cruise, do not think it is a good place to make an art purchase. She...
by StevieG72
Sun Sep 02, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18535

Re: How to Retire in Your 30's with $1 Million in the Bank

I agree with Bogleheads not falling in to this category. Personally I would feel like I would be taking opportunity away from my child if I chose to retire in my 40's. Of course some will argue that I am taking quality time away by working. The latter being true because the stresses of work overflow...
by StevieG72
Sun Sep 02, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3326

Re: 1st time dad, OK to use willmaker software?

J295 wrote:
Thu Aug 30, 2018 9:05 pm
OP
What about life insurance insuring you and spouse?
+1 This is more important than a Will based on the numbers presented.

I am divorced and still carry a term policy payable to my ex-wife so that my child will be cared for and maintain the same quality of life if I pass before she launches.
by StevieG72
Sun Sep 02, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: So who's rebalancing stocks to bonds right now?
Replies: 38
Views: 4654

Re: So who's rebalancing stocks to bonds right now?

My rebalancing band is 5% deviation from target.

Monthly contributions have been going to bonds vs. stocks this year.

Currently stocks are only overweighted by .3% so this has worked out well so far.
by StevieG72
Sun Sep 02, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Term life insurance: now or workout first
Replies: 23
Views: 2380

Re: Term life insurance: now or workout first

I thought of doing this myself. Went ahead and got the policy without trying to improve underwriting numbers.

One of the questions used for underwriting is if you have had a significant change in weight in the last year.

Age is a factor too, not that 1yr would be significant.
by StevieG72
Sat Sep 01, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medical liability claim settlement. What is fair?
Replies: 40
Views: 2665

Re: Medical liability claim settlement. What is fair?

I would give the $24k to the kiddo.

Now if your retirement is delayed due to funding the childrens education that is a different issue.

They can borrow for education, you cannot borrow for retirement.
by StevieG72
Fri Aug 31, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Any advice if I should buy this Used Minivan?
Replies: 21
Views: 1493

Re: Any advice if I should buy this Used Minivan?

That is not a great price, I would pass.
by StevieG72
Wed Aug 29, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9963

Re: How do you save money on groceries?

Shop at the neighborhood Walmart. ( the smaller format store with primarly groceries)
by StevieG72
Wed Aug 29, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4254

Re: Bone in my food

My brother ordered a burrito from Taco Bell drive thru.

He found pennies in his burrito! Not sure how that happened. He didn’t bother to call the Taco Bell.
by StevieG72
Tue Aug 28, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Yeesh. Car damage right before lease end
Replies: 13
Views: 1857

Re: Yeesh. Car damage right before lease end

dm200 wrote:
Mon Aug 27, 2018 4:32 pm
Might (not sure) Uninsured Motorist cover this? [Hit ans run]
With Geico a "hit and run" is covered under Uninsured Motorist coverage which will likely have a lower deductible. Should be similar with other ins. companies.
by StevieG72
Tue Aug 28, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2240

Re: Summer Day A/C Issues

If you have no gas and everything is electric you have a heat pump. This makes no difference in the summer, but in the winter if you play with the temp settings too much you will run stage 2 electric heat and your utility bill will be high. Read up on this prior to switching to heat in the fall / wi...
by StevieG72
Tue Aug 28, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Is it worth chasing down this $10 fee?
Replies: 38
Views: 3130

Re: Is it worth chasing down this $10 fee?

Let us know if you find resolution. Sounds like you may be stuck with this one. Payment processing company does not accept credit, you payed with a CC and got hit with the fee. Non - standard card number must have prevented them from identifying card as credit and declining the transaction. Credit c...
by StevieG72
Mon Aug 27, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3202

Re: How often do you change your HVAC filters?

I buy the 3 month filters and change them every 3 months. Use a sharpie to note the install date.

Unfortunately in my area we go from one extreme to the other in regards to the weather. At most we may have one week that HVAC is not needed.
by StevieG72
Wed Aug 22, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 1821

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

I would pass on the sunroof.

Probably will not get used much.

Expensive to fix if it breaks.
by StevieG72
Mon Aug 20, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: starting an email group
Replies: 9
Views: 636

Re: starting an email group

WhatsApp is a great communication tool for small and even large groups. I am on a business group with 213 participants. We can post pictures and files. It works really well for our group. ( With a large group you have to turn notifications off or you will go crazy!) No issues with reading files or a...
by StevieG72
Mon Aug 20, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 12038

Re: Is a million really the benchmark for retirement

Unfortunately a million is not what it used to be, I am looking at around 2.5 as my goal for retirement. (Divorced with one child) Do not be discouraged! Just keep at it and it will come around. You will likely have salary increases, & you will have some double digit growth in equities. (may have do...
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: 1569

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: 6814

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: 6191

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: 5229

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: 121
Views: 9678

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: 6814

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: 758

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: 5002

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: 41329

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: 1442

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: 50
Views: 6894

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: 3426

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...