Search found 35 matches

by Jon
Thu Aug 29, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2578

Re: Maui Honeymoon Daily Spending Budget

Coming up on my 15th anniversary, I can't say I wish I'd spent less on my honeymoon. In fact, I wish I could have spent more (we were poor).
by Jon
Mon Aug 26, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Desk: Where can I found one like this?
Replies: 16
Views: 1875

Re: Desk: Where can I found one like this?

That’s a “Mission” style desk. Many places sell them. I think I bought one in this style at Target back in the day.
by Jon
Thu Aug 22, 2019 6:20 pm
Forum: Personal Investments
Topic: 1 etf for 4
Replies: 15
Views: 2507

Re: 1 etf for 4

I realize this is an old thread, but since it came up at the top of my search for “fidelity AOA”, I’d like to add that iShares AOA is now commission-free at Fidelity.
by Jon
Mon Aug 19, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Poll: Beater or Luxury car for long daily commute
Replies: 33
Views: 1229

Re: Poll: Beater or Luxury car for long daily commute

For a long commute, safety would be my first consideration, and "beater" IMO implies below-average safety.
by Jon
Thu Aug 15, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4091

Re: Headache buying new minivan

The Odyssey is the better vehicle to drive IMO. But most people don’t buy minivans for the driving dynamics. Contrary to a prior post, 2014 Odysseys aren’t known for transmission problems. It was an older generation that had transmission problems. I owned a 2011 Odyssey for 90,000 flawless miles. On...
by Jon
Wed Aug 14, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Lawn mower
Replies: 25
Views: 2263

Re: Lawn mower

I'll join the "Honda" chorus. Mine is seven summers old now and has been trouble-free, aside from routine maintenance.
by Jon
Wed Aug 14, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Geekbench Scores: Single vs Mult-Core Scores?
Replies: 16
Views: 954

Re: Geekbench Scores: Single vs Mult-Core Scores?

Add me to the group of nerds who thinks that multi-core performance is increasingly important. For a modern operating system running modern software, I no longer recommend less than four cores, even for general-purpose use. That said, all the Mac Minis will probably suit your needs. If you create me...
by Jon
Fri Jun 28, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 3768

Re: Trex decking or alternatives?

NHRATA01 wrote:
Fri Jun 28, 2019 9:20 am
Trex I believe has changed a bit in the past 10 years, my in laws did a deck in '08 and it has not held up well. But I believe that was the bare composite they made back then, and I think have since moved to a capped composite like others.
I believe this is correct.
by Jon
Thu Jun 27, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else unable to afford a home/have six figure income?
Replies: 60
Views: 7387

Re: Anybody else unable to afford a home/have six figure income?

mcraepat9 wrote:
Thu Jun 27, 2019 10:53 am
livesoft wrote:
Wed Jun 26, 2019 3:45 pm
I must admit that I never understood why anybody would be anxious to buy a home, but I'm weird in more ways than that.
I never understood this either.
I look back fondly on my years of being a renter. But my wife wanted to own a home, so we compromised and bought a house. :D
by Jon
Tue Jun 25, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Used Minivan - Recommendations?
Replies: 34
Views: 1579

Re: Used Minivan - Recommendations?

I'm in the same scenario. I really struggle when prices for a used (approx. 2016) Honda Odyssey seems to be more expensive than a new Dodge Grand Caravan. Does anyone have any experience (good or bad) with the Grand Caravan? I'll add that after our 2019 Odyssey was totaled, our interim rental vehic...
by Jon
Tue Jun 25, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Used Minivan - Recommendations?
Replies: 34
Views: 1579

Re: Used Minivan - Recommendations?

I think the Odyssey and Sienna are both great choices. Only downside to the buyer is that they command a premium even when used. I've owned three Odysseys, and I'm rather partial to them. The second one (a 2019) sacrificed itself to save my entire family from serious bodily injury or worse. The cops...
by Jon
Mon Jun 24, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 2051

Re: Chrysler Pacifica - Yes or No

I wanted to pull the trigger on a Pacifica, but couldn't make the leap due to expected reliability and depreciation.
by Jon
Mon Jun 10, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 18302

Re: Are You Dumping Netflix?

We will drop Netflix when Disney's new streaming service goes live. Maybe sooner. It's obvious that Netflix is spending a fortune on new content, but not obvious that any of that new content is actually any good. I've been pretty disappointed by the last few "original" shows I've watched on Netflix,...
by Jon
Mon Jun 10, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3277

Re: Costco Visa credit limit

Strange.

I have both these cards. Combined credit limit is $25.5K, and neither card has a credit limit below $10K.

I've never asked for a limit increase. Credit score is around 830.
by Jon
Mon Jun 10, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7450

Re: Do you drive old cars for long distance travels?

If I had the choice, I would not. For the past 15 years or so I have had a choice, and therefore I haven't driven old cars over long distances. However, mechanical reliability is no longer my primary consideration when evaluating transportation. Very recently, myself, my wife, and our four young chi...
by Jon
Fri Apr 19, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 32896

Re: [2018 tax return - How does it compare to previous years?]

I earned more in 2018 than any prior year (low six figures), but had the lowest effective income tax rate I’ve ever had (-1.5%, and yes, that’s *negative*). Still paid about $15K in self-employment taxes, but I don’t think that’s particularly relevant to what’s being asked here. The child tax credit...
by Jon
Wed Feb 06, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes and avoiding ACA cliff
Replies: 10
Views: 924

Re: Doing taxes and avoiding ACA cliff

Silk McCue wrote:
Wed Feb 06, 2019 9:15 pm

No idea what PTC is.

Cheers
Presumably “premium tax credit.”
by Jon
Thu Feb 12, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 1111073

Re: Costco/AmEx relationship ending. New Costco MasterCard?

I was about to take advantage of the Fidelity Amex offer I just received in the mail. Now, I think I'll just stick with the Citi Double Cash MasterCard.
by Jon
Sat Jul 26, 2014 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 6390

Re: Treasury Direct--just blowing off steam

I'm a web developer and I use similar techniques when coding web forms. Trust me when I say spam is an ongoing battle on popular web forms. I'm a developer, too, and in this case I don't think it's spam or SQL injection they're trying to protect against, but rather cross-site scripting (XSS) attack...
by Jon
Fri Jun 20, 2014 8:40 am
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 16732

Re: Cost of car compared to Gross Income

How much was your last car compared to your gross income?
About 43% on a new Honda. In hindsight that was way too much. I'm paying it off in a couple of weeks. I don't plan to take out another car loan ever again. I blame Bogleheads. :D
by Jon
Thu Jun 19, 2014 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 94
Views: 15845

Re: Late starters: what age did you start investing?

I began investing at age 31. Like some others here, starting earlier wasn't really possible due to life circumstances.
by Jon
Tue Jun 17, 2014 5:00 pm
Forum: Personal Investments
Topic: My Roth is also my emergency fund. How to invest it?
Replies: 17
Views: 1705

My Roth is also my emergency fund. How to invest it?

It takes a lot of scrimping and saving to make the maximum annual contribution to Roth IRAs for my wife and myself. Given the choice between contributing to a traditional savings account and our Roth IRAs, we've chosen the latter. However, since the Roths also need to serve as our emergency fund, I'...
by Jon
Tue Jun 17, 2014 10:31 am
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 15693

Re: No bonds at all.

The reason I asked the question, what do people do if started late in investing like mid 30/s. What do people who are looking at retirement do? Was thinking about annuilites for a sure thing for people looking at retirement, and still investing the rest for future plans, kids, whatnot. I fall in th...
by Jon
Mon Jun 16, 2014 9:17 am
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 10782

Re: What octane gas do you use to fill your car?

My car runs fine on regular, though Honda has acknowledged that their V6 will produce a bit more horsepower using premium. I personally run 93 octane because at the nearby fuel station, it is ethanol-free, while the 87 and 89 octanes are not.
by Jon
Fri Jun 06, 2014 2:12 pm
Forum: Personal Investments
Topic: 401K employer match. Do you have that?
Replies: 42
Views: 3856

Re: 401K employer match. Do you have that?

Not only does my employer not match, they don't offer a tax-advantaged retirement account at all. I've been thinking about asking fellow Bogleheads if I should be looking for an employer with better benefits, since I'm not sure what the norm is for 401K matching and I got a late start on investing.
by Jon
Wed May 28, 2014 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6914

Re: Letter from CC company (Discover) re: current income

American Express has asked me to update my income information a couple of times, so Discover doing the same doesn't sound unusual.
by Jon
Fri May 23, 2014 12:27 pm
Forum: Personal Consumer Issues
Topic: [Visiting] Destin, FL
Replies: 21
Views: 2648

Re: [Visiting] Destin, FL

When are you going? Destin can indeed be crowded, which is why my family likes to go in the off-season (typically September). It's still very warm, there aren't any crowds, and rates are quite a bit lower. I agree with other posters that the main attraction in Destin is the beaches (and maybe golf)....
by Jon
Wed Mar 26, 2014 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: young sports stars.. or programmers
Replies: 26
Views: 3471

Re: young sports stars.. or programmers

These salaries you mention just aren't the norm outside of silicon valley. I live in the southeast and you have to be a senior programmer/engineer to even sniff 100k. And even the Silicon Valley salaries don't necessarily make you rich, if you have to pay Silicon Valley cost of living. A senior eng...
by Jon
Sun Mar 23, 2014 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 99780

Re: Convince me to get a credit card

The risks associated with credit cards tend to be behavioral ones, while the biggest risk with debit cards tends to be fraud. So, ask yourself which type of risk is a bigger liability for you and go from there.

Personally, I don't use debit cards unless there is no alternative.
by Jon
Mon Mar 10, 2014 8:10 pm
Forum: Personal Consumer Issues
Topic: Budget app for young adult
Replies: 5
Views: 795

Re: Budget app for young adult

I really like YNAB. If you your son doesn't want to enter purchases, it might not be for him, but in my experience, entering purchases into YNAB on my smartphone at the time of purchase is No Big Deal. And using Dropbox, it syncs to my desktop computer (and my wife's phone) automatically.
by Jon
Fri Mar 07, 2014 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Joint or Separate Accounts? - Married Couples
Replies: 82
Views: 7119

Re: Joint or Separate Accounts? - Married Couples

We've had joint accounts for ten years. It works for us. We do each get a modest and equal amount of no-strings-attached spending money each month. I think joint accounts along with individual spending allocations are the best of both worlds, since we have a shared financial responsibility to each o...
by Jon
Mon Feb 24, 2014 6:46 am
Forum: Personal Investments
Topic: Fidelity Spartan international funds
Replies: 3
Views: 990

Re: Fidelity Spartan international funds

Thanks for the response. I just did the comparison with Vanguard as you suggested, and you're right, one sees exactly the same thing. With FSGUX having such a short history, it wasn't possible to see those periods where emerging markets outperformed, but it's obvious on the Vanguard comparison. Than...
by Jon
Mon Feb 24, 2014 6:31 am
Forum: Personal Investments
Topic: Fidelity Spartan international funds
Replies: 3
Views: 990

Fidelity Spartan international funds

I'm a new investor putting together a Bogleheadish portfolio. Based on prior threads, it appears that the consensus on this forum is that when it comes to Fidelity Spartan international funds, the "Global ex U.S. Index Fund" (FSGUX) is preferred over the "International Index Fund" (FSIIX) due to the...
by Jon
Tue Feb 18, 2014 5:28 pm
Forum: Personal Investments
Topic: Roth IRA withdrawal and replacement
Replies: 5
Views: 794

Re: Roth IRA withdrawal and replacement

Alan: Thank you very much for taking the time to explain in detail how withdrawal and replacement of contributions works. Now I understand why my IRA account gives me the option to withdraw "excess contributions" up to the amount I've contributed for 2013 (as opposed to an "early distribution"). Ini...
by Jon
Tue Feb 18, 2014 9:27 am
Forum: Personal Investments
Topic: Roth IRA withdrawal and replacement
Replies: 5
Views: 794

Roth IRA withdrawal and replacement

I want to max out my Roth IRA for 2013 before April 15th of this year, but in order to do so, I will have to divert some money from cash savings. In the unfortunate event that I would need to withdraw contributions from my Roth IRA, my understanding is that this is tax- and penalty-free. What isn't ...