Search found 430 matches

by cusetownusa
Tue May 26, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 108
Views: 7384

Re: If Jeep has such poor reliability, how come they are everywhere?

This is maybe the perfect way to state the Jeep phenomenon. I've never gotten it (and I'm a guy who has a truck and could probably get away without having one). For the life of me I will never understand how someone can look at a Jeep Grand and a 4Runner for the same price and go with a Jeep I agre...
by cusetownusa
Thu May 21, 2020 7:54 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15418

Re: Ben Felix - How to Retire Early (The 4% Rule)

Yes, workers must be willing to adapt. Like it or not, the job market is constantly shifting and has been for the last ~140 years. Those who do not adapt to it will be left behind. That's just the way it is. There will be no paid jobs to adapt to eventually. Academic thoughts aside, telling a truck...
by cusetownusa
Thu May 21, 2020 7:54 am
Forum: Investing - Theory, News & General
Topic: Ben Felix - How to Retire Early (The 4% Rule)
Replies: 221
Views: 15418

Re: Ben Felix - How to Retire Early (The 4% Rule)

Yes, workers must be willing to adapt. Like it or not, the job market is constantly shifting and has been for the last ~140 years. Those who do not adapt to it will be left behind. That's just the way it is. There will be no paid jobs to adapt to eventually. Academic thoughts aside, telling a truck...
by cusetownusa
Wed May 06, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: How Long Should A Bed Last?
Replies: 30
Views: 2367

Re: How Long Should A Bed Last?

Memory foam mattresses are one of the biggest scams everyone bought into. They are overall trash. Why is that? I am on year 8 of my memory foam mattress and it is the same as the day I bought it. Way more comfortable then any spring mattress that I have ever had and lasts a lot longer. Plus is nice...
by cusetownusa
Wed Apr 22, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 158
Views: 12892

Re: Optimizing PPP Forgiveness

We're transferring the forgivable portion to our account that pays the entire amount. That way there's a paper trail for the transfer, and the amount is verified by the payroll reports and EFTPS confirmations. I'm thinking of opening up an account for my PPP funds as well. I wanted to be sure I abs...
by cusetownusa
Wed Apr 22, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4143

Re: Replacement for 4Runner

OP --- I have not known how to respond to this thread since your comment on the headroom is literally the first time I've heard this as a complaint. They're not the most spacious interior wise, but my guess is something was off in the height adjustment. I'm on the taller side and am used to having ...
by cusetownusa
Tue Apr 21, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 158
Views: 12892

Re: Optimizing PPP Forgiveness

Also, thanks for starting this post...I don't have much to add but will be following.
by cusetownusa
Tue Apr 21, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 158
Views: 12892

Re: Optimizing PPP Forgiveness

Regarding documentation, our banker recommended segregating the PPP funds in a separate account and directly paying reimbursable expenses from that account. When it comes time to prove the money was spent on payroll/utilities/rent, the detail is all contained in the bank statement. As someone point...
by cusetownusa
Wed Apr 15, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7482

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

I submitted through Keybank on Sunday April 5th. On April 9th keybank notified us that they approved our application and submitted everything to SBA.

Now we are in waiting mode with the SBA. Starting to get nervous that the funds will dry up before they approve us.
by cusetownusa
Fri Mar 20, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128844

Re: Coronavirus (Consumer Issues) How you are preparing?

It might be worthwhile to tell your children that "Life is not fair" and "You can't always get what you want." I would have no qualms not going to the store and buying milk for my children. I do have some powdered milk around for possible use when there is no power (i.e. hurricanes), but I know it ...
by cusetownusa
Wed Mar 18, 2020 2:41 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190758

Re: Optimism amongst the panic and worry

To the extent that countries like China and SK are seeing a “leveling off”, this can only be sustained with continued draconian measures on a global scale. And such measures / restrictions will continue to tank global economic conditions and markets. “Flattening the curve” doesn’t bring the number ...
by cusetownusa
Tue Mar 17, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 214
Views: 20311

Re: Tesla Model Y

I have been following the Model Y release. I like it a lot and there is a good chance this will be my next car when I am ready to replace my current ride. Could be a couple of years away unfortunately.
by cusetownusa
Sat Mar 14, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18802
Views: 2628454

Re: U.S. stocks in free fall

Interesting read on r/wallstreetbets https://www.reddit.com/r/wallstreetbets/comments/fit5yg/the_shadow_war_how_thursday_and_friday_set_up_for/?utm_source=share&utm_medium=ios_app&utm_name=iossmf I want low prices to buy :beer I feel like an idiot because I don’t think I understood any of that.
by cusetownusa
Thu Mar 12, 2020 3:15 pm
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14067

Re: How many people with 7 figure portfolios are”rejoicing ?”

bo105954027 wrote:
Thu Mar 12, 2020 1:49 pm
I used to be with 7 figure now dropped to 6 figure :(

Not rejoicing, if I'm qualified to answer.
Same here.
by cusetownusa
Mon Mar 09, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

Reading through all of these posts...is the general consensus to sell all stocks? What?? Where on earth did you get that? I apologize...I was just being facetious due to the inordinate number of doom and gloom posts and posts about selling all stocks. I am staying the course as usual and wasn't try...
by cusetownusa
Sun Mar 08, 2020 8:13 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

Reading through all of these posts...is the general consensus to sell all stocks?
by cusetownusa
Fri Mar 06, 2020 10:42 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

Back to Michael Maoubussin's books - the cost of missing a handful of best days in the market is brutal to long run returns. It's almost impossible to get in before the turn. When things do decisively turn (and I expect there will be several false dawns) then markets will move up, a lot. In a relat...
by cusetownusa
Thu Mar 05, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

Cookie Dough wrote:
Thu Mar 05, 2020 2:12 am
firebirdparts wrote:
Wed Mar 04, 2020 11:51 pm
Death rate in Italy seems to be going poorly.
China, Korea, Italy responds to virus by locking down cities.

US responds to virus by cutting 50 bps. Everyone has their priorities.
Are you suggesting that the US should lock down its cities?
by cusetownusa
Tue Mar 03, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

LawProf wrote:
Tue Mar 03, 2020 8:41 am
veggivet wrote:
Tue Mar 03, 2020 7:18 am
The Who...yes, the same organization that waited so long before declaring this a 'health emergency'.
We won't get fooled again.
I see what you did there. 😏
by cusetownusa
Thu Feb 27, 2020 9:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18802
Views: 2628454

Re: U.S. stocks in free fall

Noticed something interesting about my behavior during downturns - the more market goes down the calmer I become. Here is my thinking: at the beginning I keep thinking "should I try to time the market this time and sell some"?" etc but after the market drops 10%+ I no longer consider selling becaus...
by cusetownusa
Thu Feb 27, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 214
Views: 20311

Re: Tesla Model Y

This is a beautiful two minute video showing US electric car sales by model from 2012 to 2019. https://m.youtube.com/watch?v=dpsd0yRYk8c A lot of these are plug in hybrids versus EVs though; there just aren’t many EVs out there.... You can see that Ford, for example, was involved early on but never...
by cusetownusa
Thu Feb 27, 2020 2:16 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

This would be a pleasant surprise: "For the past four years, a team of MIGAL scientists has been developing a vaccine against infectious bronchitis virus (IBV), which causes a bronchial disease .... The effectiveness of the vaccine has been proven in preclinical trials carried out at the Veterinary ...
by cusetownusa
Thu Feb 27, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128844

Re: Coronavirus (Consumer Issues) How you are preparing?

JHU ALmuni wrote:
Wed Feb 26, 2020 10:53 am
As far as I know ~16000 dies every year from regular flu, that's way more than Corona virus, so I'm not doing anything at this point the numbers still on the low side in terms of affected people and deaths. :beer
actually over 60,000 people world wide have died from the flu so far this year.
by cusetownusa
Thu Feb 27, 2020 10:17 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

What about an 80% drop with a 20-year L-shaped ecovery period....? In such a scenario some of those Mormon long-term food items would be handy. I think that has shelf-life of 25 years. Maybe some independent power source (solar panels) to be able to run a well -- you'll want to bring these inside a...
by cusetownusa
Thu Feb 27, 2020 10:16 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

Looks like they can now trace covid-19 outbreaks with much higher precision: https://www.channelnewsasia.com/news/singapore/covid19-coronavirus-duke-nus-antibody-tests-12469184 These Duke-developed tests are perhaps the same ones that went on the market today from WuXi Diagnostics. wow...thats pret...
by cusetownusa
Wed Feb 26, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 214
Views: 20311

Re: Tesla Model Y

I am all in on the Teslas but can't convince myself to buy one. I am 4 hours from the nearest service station and even with the road service, it seems most people have some reason to visit a service station. I am also concerned about the restricted availability of parts, especially body parts. Havi...
by cusetownusa
Wed Feb 26, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296712

Re: Coronavirus and the market

[quote="Ornery Old Guy" post_id=5047432 t In medical school we had a lecture on the flu. At the beginning the professor asked everyone who had the flu to raise his hand. Nearly everyone did. Then we learned about the real flu. It's horrible. At the end the professor asked everyone who had the flu to...
by cusetownusa
Thu Feb 20, 2020 10:23 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 211
Views: 39123

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

I apologize if this has been answered already but I couldn't find it.

For the $2,500 Quarterly limit: How do I find where this is tracked? Looking through the app I couldn't find how much of the $2,500 i have already used for this quarter.
by cusetownusa
Fri Jan 24, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 214
Views: 20311

Re: Tesla Model Y

It's fascinating coming back to these threads and watching what has happened. So many theatrical predictions of doom... and yet the triumph of a cutting edge American company emerges. I love my model 3, best car I've ever owned and I'm never going back to gas. My wife will be driving a model Y soon...
by cusetownusa
Fri Jan 24, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 214
Views: 20311

Re: Tesla Model Y

The Model Y will never happen. Never. Happen. Tesla is plunging toward bankruptcy; it's inevitable. The only thing that can stop it is to sell itself to another automaker, but it's current valuation remains ridiculous. My short position looks better than ever. I wish that Tesla would have remained ...
by cusetownusa
Fri Jan 24, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 214
Views: 20311

Re: Tesla Model Y

1) There is no factory 2) There is no line (that I am aware of assuming other cars continue to be made) 3) There are no test mules that have ever been photographed 4) There is no money to build it 5) there won't be a Model Y (if ever) for 3 years. 6) Where is the roadster and semi? The real questio...
by cusetownusa
Sat Jan 11, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1484
Views: 388009

Re: Share your net worth progression

This thread is simultaneously inspiring and depressing. Here's my wife and my NW progression: 12/31/11 25,600 (age 23) 12/31/12 104,901 12/31/13 178,090 12/31/14 218,230 12/31/15 261,348 12/31/16 335,844 12/31/17 391,368 12/31/18 383,810 12/31/19 541,804 (age 31) Nice job, half a million by age 31 ...
by cusetownusa
Wed Jan 08, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3243

Re: How to organize your photos

lostinjersey wrote:
Wed Jan 08, 2020 10:53 am
I have moved everything to google photos. It can search by person, location, object, date. No need to ‘organize’.

Life changing.
This is what I do...Google photos does an amazing job organizing everything for you.
by cusetownusa
Wed Jan 01, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1484
Views: 388009

Re: Share your net worth progression

2002: ($40,000) (started off with student loans and a new car :oops: ) 2003: Long 2004: Slow 2005: Climb 2006: into 2007: positive 2008: territory and 2009: fuzzy 2010: record keeping 2011: $78,000 2012: $148,000 2013: $337,000 2014: $441,000 2015: $580,000 2016: $723,000 2017: $1,150,000 2018: $1,2...
by cusetownusa
Fri Dec 27, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Citi double cash maximization
Replies: 24
Views: 2740

Re: Citi double cash credit card

I’m not the person you asked the question to. However, I would suggest looking into the Bank of America Premium Rewards card. Base cash back is 2.65% if you are willing to transfer at least $100,000 into a Merrill Edge account.
by cusetownusa
Sat Dec 21, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to repair credit due to late Bank of America payment
Replies: 63
Views: 3854

Re: How to repair credit due to late Bank of America payment

My credit score recently dropped about 100points as well (830 to 730) when I paid off my mortgage. At first I was surprised but then quickly realized, why should I even care? I don’t plan on taking out a loan where my credit score would be needed, and even if I did, would my rate be that much differ...
by cusetownusa
Sat Dec 21, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to repair credit due to late Bank of America payment
Replies: 63
Views: 3854

Re: How to repair credit due to late Bank of America payment

My credit score recently dropped about 100points as well (830 to 730) when I paid off my mortgage. At first I was surprised but then quickly realized, why should I even care? I don’t plan on taking out a loan where my credit score would be needed, and even if I did, would my rate be that much differ...
by cusetownusa
Fri Dec 06, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Cable Cord Cutting more complicated than expected
Replies: 96
Views: 8128

Re: Cable Cord Cutting more complicated than expected

We saved around $100/month by dropping cable and going with a Roku and PlayStation Vue. PS Vue had the channels that most closely matched what I was watching on cable. They seemed to have the best for live sports. I can get PBS OTA, so the fact that it isn't available in my streaming package isn't ...
by cusetownusa
Tue Nov 05, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 6395

Re: Cutting the Cord - NFL Network?

Not a football fan anymore due to the concussion scandal, but after rescanning our OTA channels a few weeks ago, noticed we had 3 different NFL games on various channels at noon Sunday. Adding in the 3 pm games, the Sunday night game and Monday night games, I probably could record 8 games a week? C...
by cusetownusa
Tue Nov 05, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 31
Views: 4854

Re: Best card to complement 2% cash back?

What are the quarterly limits on the higher end cards? I have the regular BOA card and its $2500 limit I hit regularly already. Is there really any more money to be collected? There are none on the Premium Rewards card. For the other cards (ie.e Cash Rewards) you could get a couple of them to essen...
by cusetownusa
Mon Nov 04, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 31
Views: 4854

Re: Best card to complement 2% cash back?

If you can transfer 100k in securities to Merrill Edge, and you have no interest in continuously opening credit cards for a bonus, the BoA cards are tough to beat. You can get 5.25% on category spending like restaurants and online shopping, 3.5% on grocery spending and warehouse clubs, and 2.625% o...
by cusetownusa
Thu Oct 31, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 6395

Re: Cutting the Cord - NFL Network?

goblue100 wrote:
Thu Oct 31, 2019 10:43 am
cusetownusa wrote:
Wed Oct 30, 2019 7:49 pm

I plan on movie to YouTube TV
Freudian slip?
Doh...that's what I get for not proof reading.
by cusetownusa
Wed Oct 30, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 6395

Re: Cutting the Cord - NFL Network?

I'm in a similar situation losing VUE. I can't seem to find a service that has Big Ten and NHL and will run on a firestick. I plan on moving to YouTube TV now that it’s available on fire stick. I really liked PS vue but they screws themselves with their name and marketing. YouTube tv seems to be ve...
by cusetownusa
Tue Oct 29, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 13865

Re: Apple Pay. Does anyone use it?

minimalistmarc wrote:
Tue Oct 29, 2019 6:42 pm
I use Apple Pay for everything but don’t have an Apple credit card
Me too
by cusetownusa
Tue Oct 29, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 12732

Re: Uber VISA rewards cut

If married, the best way to get $100k to ME is through a joint brokerage account. That way you and your spouse can qualify for platinum honors status without needing to put $200k there, as would be the case if you were to transfer IRAs there. Having both spouses qualify independently for platinum h...
by cusetownusa
Tue Oct 29, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 12732

Re: Uber VISA rewards cut

I used to own the Uber card but then ditched it for Bank of America. Get a few BOA Cash rewards card and get to their platinum level by parking 100k in Merrill Edge (free transactions and all Vanguard ETFs available, I use it as a second brokerage for diversification). I currently enjoy, with four ...
by cusetownusa
Tue Oct 29, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 12732

Re: Uber VISA rewards cut

I used to own the Uber card but then ditched it for Bank of America. Get a few BOA Cash rewards card and get to their platinum level by parking 100k in Merrill Edge (free transactions and all Vanguard ETFs available, I use it as a second brokerage for diversification). I currently enjoy, with four ...
by cusetownusa
Tue Oct 29, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 12732

Re: Uber VISA rewards cut

I used to own the Uber card but then ditched it for Bank of America. Get a few BOA Cash rewards card and get to their platinum level by parking 100k in Merrill Edge (free transactions and all Vanguard ETFs available, I use it as a second brokerage for diversification). I currently enjoy, with four ...
by cusetownusa
Mon Oct 28, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Wi-Fi Calling on AT&T
Replies: 17
Views: 1386

Re: Wi-Fi Calling on AT&T

Thanks guys...didn't even know I had this option. Just turned it on.
by cusetownusa
Wed Oct 16, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 37
Views: 4140

Re: Should I bail on AT&T and Directv?

hoops777 wrote:
Wed Oct 16, 2019 12:12 pm
I am curious about the picture quality when watching sports on the streaming sites.I know Hulu live was not very good.Hiw about You Tube?
Great...just as good as Fios Tv was.