Search found 747 matches

by StevieG72
Tue Jun 19, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9340

Re: Messy Divorce -- Forensic Accounting Help....

Sorry to hear about your situation. I have been through it myself, I know how it feels. Time is the only thing that will heal the wound. You mentioned her spending money on kids. If these are your children, are they still living at home? If so I would focus on an amicable divorce to look out for the...
by StevieG72
Sun Jun 17, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 35
Views: 2381

Re: How to calculate "fun money" per year?

10k sounds a bit high, however it depends on how many trips you want to take and where you want to go. I took an amazing Alaska cruise, traveling from Virginia to Vancouver along with some expensive excursions for three people. That trip only ran about $7,000. I use credit card rewards & bonus offer...
by StevieG72
Sun Jun 17, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3434

Re: Standard buyer's remorse or poorly timed enlightenment?

1 Stop -- do not sell your home. (standard buyers remorse common with every new situation, car buying, marriage, etc) 2 Breath 3 Commit to not worrying about it and decide to reevaluate your situation in 6 months. 4 Continue as usual 5 After 6 months, reevaluate your situation and decide to reevalu...
by StevieG72
Mon Jun 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4288

Re: Water heater installation situation

Code calls for the ignition source to be at least 18" off of the floor if gas water heater is in the garage or a room accessed by the garage. This is to prevent the pilot light from igniting fumes from combustibles stored in the garage. Platform does not have to be 18", the pilot light needs to be 1...
by StevieG72
Mon Jun 11, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4288

Re: Water heater installation situation

A tank-less water heater may be a good option.

It could even be cost efficient since you would avoid re configuring the current set up.
by StevieG72
Mon Jun 11, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 2794

Re: Would you choose text or email for two-factor authentication?

I wish Vangaurd would allow key based 2FA to be selected as the only option for log in. Key based log in is basically useless with Vangaurd since you can still log in without the key! I like the security setting to allow log in only from recognized devices. I have managed to lock myself out twice by...
by StevieG72
Tue Jun 05, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: 14yo very very new to investing.
Replies: 24
Views: 1764

Re: 14yo very very new to investing.

Welcome to the forum. It is impressive that you are interested in investing at your age, it will pay off. Not only that, you found the absolute best free resource available to investors which is this website. Fixed interest is a fixed rate for the term of the product, it does not fluctuate. Check ou...
by StevieG72
Mon Jun 04, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Trade in advice [Car]
Replies: 23
Views: 1687

Re: Trade in advice [Car]

Carmax is easy and you can unload the car quickly.

Get a quote and ask the dealer to match it.

My mom sold a van with $189,000 miles and a trifecta of warning lights lit up on the dash for $2,000. I was really surprised and think that was a generous offer.
by StevieG72
Fri Jun 01, 2018 2:47 am
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 5578

Re: Investment money is "Fungible"

A fungicide may be the best solution.
by StevieG72
Fri Jun 01, 2018 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 2928

Re: Roommate in a house?

...We're very transparent with our finances already and she earns about $40k more than I do. With the larger income, she has more student debt. Seeing this is a long commitment - I think the 50 / 50 split will help us bring her debt down to zero and we'd revisit the conversation to see if we want t...
by StevieG72
Thu May 31, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13892

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I have a 15yr at 3.25 and pay an extra $150 a month vs. paying off.

Best of both worlds in my mind anyways...
by StevieG72
Thu May 31, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2304

Re: Vehicle Advice for new Boglehead (4Runner)

I love 4Runners, bought a new 2016 SR5 last year.

TRD pro is likely overkill! Do you plan on doing some SERIOUS offroading? I get it, they look cool!

That is a bit much to spend considering your income.

Taxes & insurance will be high as well.
by StevieG72
Thu May 31, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5224

Re: Advice for assisting 18 year old son after high school

Is this uncle going to be harder or easier on the kid than you?

Do you anticipate your son following the expectations set for this arraignment?

Be careful to not make things so easy that you create a failure to launch situation.

Good luck! I hope it works out better than you anticipate.
by StevieG72
Tue May 29, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Please help. Private school contract woes.
Replies: 21
Views: 3280

Re: Please help. Private school contract woes.

Tough call, you could pay the $5,000 and be done with it.

If you decide to fight, you could be on the hook for the entire amount.

Good luck with whatever you decide, I hope it works out in your favor.
by StevieG72
Tue May 29, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8748

Router hack, have you acted?

I am sure most have heard about the recent router hack. Have you done anything? I did a factory reset on my router, updated the firmware, changed passwords, and tweeked security settings. The list of likely impacted models is likely incomplete. My manufacturer was listed, but not the specific model ...
by StevieG72
Mon May 28, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3171

Re: Cruise ships for multi-generational family

I much prefer cruises where you do not stop at a lot of ports - just be at sea for 2-3 days - at port 1-2 - and back 2-3. We went to Bermuda twice - great! There are (I think) five day cruises to Bermuda and back from Baltimore. Steer clear of this port for cruises with Royal Caribbean. They have t...
by StevieG72
Mon May 28, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3171

Re: Cruise ships for multi-generational family

I just returned from a 9 day cruise out of Cape Liberty N.J. and it was awesome. It was a 7 hour drive to the port, drove in the evening prior. Tons of stuff to do on the ship (Royal Caribbean Anthem of the Seas) Stopped in Bermuda, St. Maarten, San Juan, & Labidee Haiti. Barely had enough time to d...
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: 8142

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: 140
Views: 11569

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: 2924

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: 15658

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: 11060

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: 4141

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: 1921

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: 1012

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: 18174

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: 3783

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: 31814

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: 815

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: 4881

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: 2124

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: 8943

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: 3505

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: 3473

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: 6185

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: 12699

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: 4241

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: 1734

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: 2736

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: 4631

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: 2543

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: 8615

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: 321
Views: 34302

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: 321
Views: 34302

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: 2513

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: 39
Views: 3679

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: 5875

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: 5465

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: 3266

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.