Search found 855 matches

by StevieG72
Wed Jan 16, 2019 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 189
Views: 11422

Re: Why are you NOT buying rental properties?

Sandtrap?

We may have to do a wellness check on Sandtrap, this is his expertise but no reply.
by StevieG72
Sat Jan 12, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 55
Views: 4463

Re: Should I get umbrella liability insurance?

I just pulled the trigger on an umbrella policy. Should have done this earlier but better late than never!

For my situation 1 driver household a 1 mill policy is $153 per year with Geico.
by StevieG72
Sun Dec 30, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Life Insurance (65 Life)
Replies: 61
Views: 3472

Re: Northwestern Mutual Whole Life Insurance (65 Life)

If 401k and Roth have been filled, open a taxable brokerage account.

Unfortunately you will not recover much in regards to the premium paid if you cancel, which is the right thing to do.
by StevieG72
Sun Dec 30, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2505

Re: Furniture - Ethan Allen Sofa

What price did they come up with?

I found a couch I liked at Haynes, ordered it online from https://www.sofasandsectionals.com and saved a few hundred easily. Same brand Catnapper that was at Haynes.
by StevieG72
Sat Dec 22, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13128

Re: Is anyone's portfolio not tanking???

Taylor's maybe? Age in bonds.... :D I am not half as sharp as him at half his age. Just because someones portfolio is not tanking does not make it better or worse. It may be right for some people to have low equities, others to have high stock allocations. Its all relative. For whats its worth mine ...
by StevieG72
Sat Dec 22, 2018 12:39 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 240
Views: 20250

Re: Whose buying today? where's all the "dry powder" folks at? :)

I bought VTSAX today.

Looks like I am going to have to shovel some $$ in to make my investing goal for the year.

Can we take a poll and call it ANYTHING but "dry powder"? :D
by StevieG72
Sun Dec 16, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bottom fishing
Replies: 28
Views: 3215

Re: Bottom fishing

I pulled the trigger on a healthy amount of VTSAX 3 times in the last couple of months.

$66.00 is my anchor, if it falls below and I can scrape up some cash, then I pull the trigger.
by StevieG72
Sun Dec 16, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 580
Views: 59722

Re: What frugal thing did you do today?

Switched out a defective electrical outlet myself at my business vs. calling maintenance.

$15 and a few minutes, easy fix.
by StevieG72
Sat Dec 15, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Strange [job] interview- what do you think?
Replies: 35
Views: 3616

Re: Strange [job] interview- what do you think?

I think you may have a good chance of landing the position.
Update us on the outcome, I will buy you a virtual beer if you get the job! :sharebeer
by StevieG72
Sat Dec 15, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2611

Re: Potential New Home - Planes and Trains Noise

I grew up VERY close to an Air Force base and still live within a few miles, oddly enough the planes don't bother me. Also live a few miles from the train tracks and that noise is oddly comforting / familiar. Make no mistake if I was so close to the train tracks that my house shook, that would be a ...
by StevieG72
Sat Dec 15, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5259

Re: Forgoing health insurance

I can see why you would want to, but it is REALLY a bad idea! Non-negotiated rates will eat your net worth up quickly! For example some simple lab work had a non -negotiated rate of over $700, negotiated rate $20. I have a friend whose family decided to skip home insurance, house burned down and the...
by StevieG72
Fri Dec 14, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 5403

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

I think their explanation is deceiving. No matter what, we use POM at Sam's. While it definitely is closer to sandpaper than some other brands, it seems to be the most economical and I prefer thinner since the kids stick gobs and gobs down the toilet anyway....it is easier to unclog. I use POM for ...
by StevieG72
Tue Dec 11, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22075

Re: What percentage of your net worth is your home equity?

14% as of end of November.

Prob will increase as my networth decreases in Dec.
by StevieG72
Mon Dec 03, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 580
Views: 59722

Re: What frugal thing did you do today?

Repaired some outdoor xmas decorations vs. replacing.
by StevieG72
Sun Dec 02, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Should I move to a more conservative AA? 80/20 to 60/40?
Replies: 67
Views: 4603

Re: Should I move to a more conservative AA? 80/20 to 60/40?

It took me awhile to settle in to my desired AA. I started at 60/40 at the beginning of my investing journey, decided that was too conservative and changed to 80/20. Finally, decided I was being too greedy taking on more risk than necessary and have settled in at 70/30. Basically split the differenc...
by StevieG72
Sun Dec 02, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3490

Re: My kid's retirement

Sounds sketchy. The source of income may raise a red flag with the IRS, income will be over $500 so they may be looking for a 1099-Misc. Fund a 529 and jump start the IRA when your child starts earning income. This article covers the basics..... https://money.usnews.com/investing/investing-101/artic...
by StevieG72
Sun Dec 02, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5258

Re: My mutual funds are declining, please help!

nix4me wrote:
Wed Nov 28, 2018 12:18 pm
Don’t sell!! In fact, buy more shares!!
This! It is a buying opportunity. DO NOT SELL! The fund will recover and reach new highs.

I purchased approx 300 shares of VTSAX after a rather significant decline in my portfolio value.
by StevieG72
Sat Dec 01, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Family loan
Replies: 19
Views: 1322

Re: Family loan

I disagree with funding a failing business. Running a business is hard and stressful. Dealing with a failing business increases stress and difficulty exponentially. I would not loan my parents money to support a failing business. Not to say I wouldn’t help. You are college educated, dig in to the nu...
by StevieG72
Sun Nov 25, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 17
Views: 2268

Re: Vanguard now supports Yubikey 5 and 5C

One thing you can do is allow log in ONLY from recognized devices. I use this feature, and yes I have locked myself out more than once. If you clear cookies on your browser or phone it will no longer recognize that device. When this happens I call customer service, they verify my identity and change...
by StevieG72
Sun Nov 25, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 17
Views: 2268

Re: Vanguard now supports Yubikey 5 and 5C

The security key option is pointless since you can not select this as the only log in option.
by StevieG72
Wed Nov 21, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 50
Views: 4274

Re: What financial advice have you been most grateful for?

To avoid Whole Life Insurance like the plague.
by StevieG72
Tue Nov 20, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15215

Re: Black Friday 2018

150 shares of VTSAX ( Vangaurd Total Stock Market Admiral Shares)

The price was right so I bought tonight!
by StevieG72
Mon Nov 19, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Electric wrench / screwdriver for the home auto mechanic
Replies: 27
Views: 1548

Re: Electric wrench / screwdriver for the home auto mechanic

Good to know, thank you! Is it practical to use a regular (non-powered) wrench to break a nut loose (first 5% of the thread), and use a drill for the laborious part of the remaining 95% where not much torque is required? And inverse when tightening? Or will this not work or be unsafe for any reason...
by StevieG72
Sat Nov 17, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: parents buying home for sibling
Replies: 44
Views: 5755

Re: parents buying home for sibling

You likely will just have to let the chips fall where they may. Is your sibling living with your parents to provide independent liviing assistance? Any inquirys from you will likely be recieved as you having an agenda yourself. I too would be concerned if any of my siblings made this type of arrange...
by StevieG72
Sat Nov 17, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1299

Re: How to pick a wifi router to replace one we rent from Cox?

https://www.amazon.com/gp/product/B01MS ... UTF8&psc=1

I purchased this one for my mom to ditch the rental modem / router, it has worked well and was easy to setup.

You will have to call Cox for them to recognize / activate the modem.
by StevieG72
Thu Nov 15, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3105

My experience with iPhone6s battery replacement

For those of you that have the iPhone 6 that qualifies for the $29.00 battery replacement, the following is my experience. This offer ends December 31st. the price will then go up to $49, not $79 according to the employees at the Apple Store. Work was done at the Apple Store in a local mall. I went ...
by StevieG72
Fri Nov 09, 2018 4:32 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 46088

Re: Whats your number to walk away?

I am guestimating 2.5m.

Not a member of the love my job club, daydream frequently of FIREing.
by StevieG72
Wed Nov 07, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 54
Views: 5476

Re: How much money did you receive from family? (Gifts/inheritance)

Zero, and have no plans of recieving anything significant which is ok.

I encourage my mom to spend and not worry about leaving an inheritance.
by StevieG72
Fri Nov 02, 2018 3:38 am
Forum: Personal Finance (Not Investing)
Topic: final January estimated quarterly tax payment- can it be paid in April with return?
Replies: 7
Views: 746

Re: final January estimated quarterly tax payment- can it be paid in April with return?

It can, keyword is estimated tax payments. If you have already paid the majority, or all of your tax liability in previous payments there is no reason to make the January payment. Of course if you do make it any refund can be applied to your 2019 tax liabilty. First estimated tax payment for next ye...
by StevieG72
Sun Oct 28, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8563

Re: What did you buy today

152 ish shares of VTSAX
by StevieG72
Sun Oct 28, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3945

Re: When to get a new toilet?

It is time, replace it!

Newer toilet will perform better, and use less water. Less likely to clog / overflow as well.

Fewer headaches for you and the tenants.

I put off replacing mine for a long time, finally replaced two and wish I would of done so years ago.
by StevieG72
Sun Oct 21, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5715

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: 6140

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: 3073

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: 884

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: 4043
Views: 1101277

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: 3268

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: 514

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: 12152

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: 1941

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: 3450

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: 1833

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: 5600

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: 157
Views: 13513

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: 6827

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: 16353

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: 7710

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: 8918

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: 8099

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...