Search found 350 matches

by jbuzolich
Wed May 27, 2020 8:16 am
Forum: Personal Investments
Topic: Any retirees get through Covid crisis without large cash reserve?
Replies: 63
Views: 4225

Re: Any retirees get through Covid crisis without large cash reserve?

As the dust begins to settle on the Covid pandemic ... I think it is premature to make any conclusions about the lessons from the Covid pandemic. This ain't over yet. Exactly what I was starting to write. I think we're early still in the impact from all this. The large layoffs are still being annou...
by jbuzolich
Thu Apr 23, 2020 8:52 pm
Forum: Personal Investments
Topic: Does anyone sell puts in order to force re-balancing and collect premiums?
Replies: 34
Views: 1690

Re: Does anyone sell puts in order to force re-balancing and collect premiums?

One risk of selling the puts as a rebalance strategy is that you pay more than you needed to in order to accomplish the rebalance. Maybe that paying too much is offset by multiple cycles of premiums collected or maybe not. In the original example of selling puts at 12.3% below current market value, ...
by jbuzolich
Wed Apr 22, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Moving to Sacramento, looking for advice on neighbourhoods, schools
Replies: 8
Views: 644

Re: Moving to Sacramento, looking for advice on neighbourhoods, schools

Depends what you are looking for. If you're wanting to live in downtown close to the capitol it might be hard based on income unless your other half makes significantly more. If you're ok with suburbs then there are many options. We live in Woodland and enjoy the town very much. About a half hour on...
by jbuzolich
Wed Apr 01, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: GOOD RX...What Is It?
Replies: 37
Views: 2848

Re: GOOD RX...What Is It?

GoodRX and similar companies are great for reference pricing. I'm also thankful for Costco generally having great pharmacy pricing on many items. My main recommendation when I talk with people about drug pricing is to do a little research on your own for pricing, and don't feel like you are boxed in...
by jbuzolich
Fri Mar 27, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: Buying opportunity of a lifetime??
Replies: 7
Views: 683

Re: Buying opportunity of a lifetime??

I don't know about lifetime, but it does feel like roughly a three year rewind on the fund I regularly buy. Any contributions from my paycheck now into the account are at prices the fund was at in 2017 or so. My family situation is different now, so feeling like I have to be more conservative with c...
by jbuzolich
Sat Mar 21, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Where to sell jewelry?
Replies: 10
Views: 809

Re: Where to sell jewelry?

Others have mentioned this already but I'll share my own negative experience. Unless it's marked from one of the famous luxury jewelry companies, then it is probable that you will not get much beyond melt value. Definitely try asking a couple local independent Jewelers first to see what they say if ...
by jbuzolich
Mon Mar 16, 2020 10:07 pm
Forum: Investing - Theory, News & General
Topic: Selling Puts
Replies: 22
Views: 1168

Re: Selling Puts

I miss playing with calls and puts so your post triggered some good and bad memories. Certainly exiting. First, remember each contract for an option represents 100 shares. So when you're talking about VTI with a strike price of $100 and you're willing to pay that, it's 100 shares per contract so sel...
by jbuzolich
Tue Mar 10, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower recommendation
Replies: 71
Views: 2471

Re: Battery powered lawn mower recommendation

Been happy with our Kobalt 40v for a couple years now. Enough battery to do our smaller front and back yard combined 2-3 times over without charging. Quiet. Get to share batteries with the string trimmer and thinking about buying a hedge trimmer on same battery.
by jbuzolich
Fri Mar 06, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 20907

Re: Where My 100% Equities Peeps At?!?

I'm here too with 100% equities as far as what I consider our investments. Continue buying on each paycheck. We do have cash as a security blanket and for known expenditures coming in the next four years or so. Otherwise we just keep buying and marching ahead. We both have pensions eventually so tha...
by jbuzolich
Thu Mar 05, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Ally CD: Is this smart?
Replies: 36
Views: 3063

Re: Purchasing Ally CD: Is this smart?

I love the CDs at Ally. All of our emergency funds are there in 5 year CDs in small amounts. Rest of cash savings for known needs in the next few years is in the no penalty CD or their liquid savings. I have redeemed the no penalty CD many times then added cash from savings and immediately put the c...
by jbuzolich
Sun Mar 01, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Should I give access to location services when setting up a router?
Replies: 13
Views: 666

Re: Should I give access to location services when setting up a router?

I don't think I'd reach and make any conspiracy theories out of this. Basically everything on mobile wants to know your location all the time. Just decline and say no if it concerns you. They will somewhat know your location anyway based on the route your internet traffic takes anyway unless you fur...
by jbuzolich
Wed Feb 26, 2020 12:40 am
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22087

Re: What did you learn from the 2/24 sell off?

mptfan wrote:
Tue Feb 25, 2020 9:52 am
There was a sell off? What is a sell off?
Exactly. Was just about to write and ask, did something happen?
by jbuzolich
Sat Feb 22, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ally no-penalty CD withdrawl
Replies: 10
Views: 1386

Re: Ally no-penalty CD withdrawl

After many great recommendations from this board, I now open CDs at Ally in small amounts. Especially if there is no interest rate boost for large ones. Our safety blanket cash is all in $1000 and $5000 CDs so easy to redeem separately if needed.
by jbuzolich
Fri Feb 21, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: Trip to Puerto Vallarta
Replies: 11
Views: 1431

Re: Trip to Puerto Vallarta

We've been to the Rius there multiple times and enjoyed them. My in-laws are there a few times every year and continue to go back. If you stay at the Riu it's we'll north of the actual town. We enjoyed from the Riu to take the express bus which you can get off in town near Walmart for a couple dolla...
by jbuzolich
Sat Feb 15, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone bypass insurance for primary care?
Replies: 108
Views: 6861

Re: Does anyone bypass insurance for primary care?

Kenkat wrote:
Fri Feb 14, 2020 1:30 pm
I’ve been bypassing my insurance more and more for prescription drug coverage and using GoodRX instead. One recent prescription $70+ through my insurance, $20 through GoodRX.
+1 GoodRX. Haven't been able to use them other than pet meds but I love price checking.
by jbuzolich
Sat Feb 15, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: How much should I offer for this brick and mortar business?
Replies: 75
Views: 5658

Re: How much should I offer for this brick and mortar business?

Are you certain that they are not reporting to the IRS? Some people I have looked at with financial questions ended up reporting it in the wrong area but did still report it. If you're certain they are not reporting then the best thing you should probably do is turn everything over to the IRS and wa...
by jbuzolich
Tue Feb 11, 2020 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Worried About AI Taking Your Job?
Replies: 54
Views: 3590

Re: Worried About AI Taking Your Job?

Not worried at all I work for local government Technology used is a decade behind the private sector Wow, you're modern! Source:. Also work in local government. I've said in meetings that one of my standing goals is to automate myself out of a job and I'd consider that a success. People look at me ...
by jbuzolich
Mon Feb 03, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Will, Trusts & Health Directive: DIY or Hire Lawyer?
Replies: 20
Views: 1123

Re: Will, Trusts & Health Directive: DIY or Hire Lawyer?

General advise I seem to have read is that if there are any minor children involved then definitely get a lawyer and put together a full package of a trust, wills, powers of attorney, medical directives, and anything else. My wife and I are in our early 40s, have talked about doing it for years, but...
by jbuzolich
Sat Jan 25, 2020 12:30 am
Forum: Personal Consumer Issues
Topic: Thoughts on TV protection plan - $64.99 3 xtra yrs (costco)
Replies: 23
Views: 1634

Re: Thoughts on TV protection plan - $64.99 3 xtra yrs (costco)

Costco has been offering the square trade warranties for free on multiple tv promotions so maybe check first that you didn't miss it already being included? Second thing to question is about how you paid for it at Costco? Your credit card might have added warranty. I know for our Costco tv purchases...
by jbuzolich
Sun Jan 19, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Detached garage: Recommended ways to heat water for shower? Save space and money?
Replies: 44
Views: 3051

Re: Detached garage: Recommended ways to heat water for shower? Save space and money?

Lalamimi wrote:
Fri Jan 17, 2020 8:55 pm
put in a sky light and use a camping style water bag. let the sun heat the water.
Was thinking something similar. Maybe skip the heat and take cold showers. Economical and environmentally friendly, being short.
by jbuzolich
Tue Dec 24, 2019 4:51 pm
Forum: Personal Investments
Topic: VTI vs. VTSAX
Replies: 10
Views: 1241

Re: VTI vs. VTSAX

Check your symbols. Are you sure those are the funds you are thinking of? Both popular funds but wildly different from each other. VTI is total international. VTSAX is total stock market for the USA. Not the same at all so daily movements are often different.
by jbuzolich
Sat Dec 21, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Do you buy stocks as it’s going down or up?
Replies: 37
Views: 2608

Re: Do you buy stocks as it’s going down or up?

JoMoney wrote:
Sat Dec 21, 2019 4:56 pm
Yes, I buy stocks as they're going up or down.
+1 yes
by jbuzolich
Mon Dec 09, 2019 10:51 pm
Forum: Investing - Theory, News & General
Topic: Calls and Cash: talk me out of it
Replies: 21
Views: 3616

Re: Calls and Cash: talk me out of it

If you're looking to minimize or lock in some level of downside risk why not just buy enough puts at the target price and duration you're comfortable with? No tax that way from selling the stock yet. If the market continues up, you can ignore your puts and let them expire or sell them for some small...
by jbuzolich
Mon Dec 09, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: 16 Weeks Paternity Leave
Replies: 122
Views: 7978

Re: 16 Weeks Paternity Leave

Definitely take the full amount available in the benefit policy. You only have one chance to take that time with your child and won't get it back. There might be negative impacts or maybe not but none of us have the option to go back in time to make a different decision.
by jbuzolich
Fri Nov 29, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Toyota loyalty cash work around question
Replies: 19
Views: 1895

Re: Toyota loyalty cash work around question

Find the exact terms required for the credit and try to meet it locally. Often these deals are nearly a formality and the vehicle doesn't even have to be running. Buy a local junker Camry or Avalon for less than $2000 and have it towed to the dealership for the credit. Each promo is different but I'...
by jbuzolich
Wed Nov 27, 2019 2:31 am
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 87
Views: 13531

Re: Kitchen knife set. Good quality - Recommendations

All my knives are Wusthof Classic. I agree with the comment about getting comfortable with an inexpensive knife like an Asian made cleaver and getting the habit down for sharpening, washing, etc. If you are comfortable with that routine on an inexpensive knife and still want to upgrade then I recomm...
by jbuzolich
Sat Nov 23, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Selling truck on Craigslist
Replies: 42
Views: 2140

Re: Selling truck on Craigslist

Insist on cash. Go with them if they do a test drive. For me, if they want to take to their mechanic, I go with them and ask for $100 non refundable to compensate my time if it's more than 30 minutes and I will apply the $100 to the purchase only if they want the car. If they don't buy then I keep t...
by jbuzolich
Mon Nov 04, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2687

Re: New Bosch dishwasher already faulted

Barely a month old? I think I'd give it that one reset only. If it happens a second time within the next two weeks I'd probably be driving that back and demanding an exchange from the store.
by jbuzolich
Sun Nov 03, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1859

Re: Cell phone service

We've been on Total Wireless for a couple years now which is a TracFone company and use the Verizon towers. Two lines are just under $60 total with taxes included on auto pay. Unlimited calls and texts with I think 15Gb data to share but I read they are upgrading that to unlimited data for the same ...
by jbuzolich
Sat Oct 26, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Tattoos in the workplace
Replies: 5
Views: 1067

Re: Tattoos in the workplace

Might be regional but I think the trend continues towards broad acceptance, assuming the content of the tattoos is not offensive. I'd say especially in West coast of US, many professionals show their tattoos daily. I'm not getting one myself, but my wife is in education and has a couple plus bosses ...
by jbuzolich
Tue Oct 22, 2019 11:10 pm
Forum: Personal Consumer Issues
Topic: Subaru Legacy
Replies: 9
Views: 1113

Re: Subaru Legacy

I'm on my second legacy limited with the four cylinder engine and have been very happy with them. My 2016 was destroyed in a rear end car accident while we were stationary at a light with my wife in the passenger seat and our eight year old in the back seat. Minor injuries to us but the car was enti...
by jbuzolich
Sat Oct 19, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: One thing to check when buying a used car privately [wheel locks]
Replies: 20
Views: 2488

Re: One thing to check when buying a used car privately [wheel locks]

Like many security features in life, wheel locks will really only inhibit or stop a casual thief. Anyone determined or skilled at theft will have the devices defeated within minutes or perhaps seconds. Most tow truck drivers or tire shops would have sets to unlock these easily although they might ha...
by jbuzolich
Wed Oct 02, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Advice for hiring a cleaner/cleaning company
Replies: 10
Views: 1320

Re: Advice for hiring a cleaner/cleaning company

Word of mouth recommendations are great. If you do hire on your own or with a service, write out a very detailed list of every single task you expect to be done, and verify those services are completed each time. Compliance in finishing tasks is a common challenge in my experience.
by jbuzolich
Thu Sep 26, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance mortgage with Aimloan?
Replies: 15
Views: 1563

Re: Refinance mortgage with Aimloan?

We've used aimloan multiple times now on refinances and one purchase. Great experiences each time and everything went smoothly. Highly recommended.
by jbuzolich
Fri Sep 20, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11999

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I'm glad to see so much interest in prepaid and MVMO services. We switched probably 2 years ago to mvno is it been great. we're currently with total wireless having two lines for $60 total and sharing data. Huge savings
by jbuzolich
Mon Sep 16, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Noise
Replies: 31
Views: 3251

Re: Noise

Agree with the comments about trying to talk to the neighbor politely first. Assuming that fails or already failed, start contacting executive management at your city or even the elected official for your part of town. Be sure to include the dates and times of who you tried to contact previously. In...
by jbuzolich
Fri Sep 06, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 11610

Re: Did I commit a tipping faux pas?

I've never heard of tipping movers before. Not wanting to slight anyone but I would have paid the quoted price, probably on credit card, and expected all my identified stuff to move from starting location to destination. I've only moved a handful of times in my personal life. For work though we have...
by jbuzolich
Wed Sep 04, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Insurance
Replies: 64
Views: 4381

Re: Wedding/Engagement Ring Insurance

I just nudged up the home owners insurance for scheduled items like the ring and higher coverage on unscheduled jewelry and precious metals. Think it added $115 total yearly to the bill so I kept it. Wife has misplaced the ring more than once and got very emotional about losing it. Thankfully it was...
by jbuzolich
Tue Sep 03, 2019 10:34 pm
Forum: Personal Investments
Topic: How do you let go of decisions that turned out to be the wrong ones?
Replies: 63
Views: 5428

Re: How do you let go of decisions that turned out to be the wrong ones?

How do you know that the decision you made was the wrong one? Sometimes the decisions we make, even if that single decision had negative outcomes, were precisely the decisions we needed to make in order to have the best foundation for successful long term outcomes
by jbuzolich
Sat Aug 31, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Vrbo vs Airbnb watch for price differences
Replies: 4
Views: 641

Re: Vrbo vs Airbnb watch for price differences

VRBO is a HomeAway company so that makes sense the price would be the same. Our place is only on Airbnb but when I considered listing on VRBO I was going to set the nightly rate a little higher because the fees to me were higher on VRBO. It's been a few years since I compared. Always good to compari...
by jbuzolich
Tue Aug 27, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1651

Re: Zelle at non-participating Bank/CU

I'm a big technology fan in general but have not had any need or interest in activating Pop money or Zelle at any of our banks. No one has ever asked us if we're able to use those services even once. I personally have transferred money to friends and family using Google pay and like that it's integr...
by jbuzolich
Tue Aug 20, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2587

Re: Replacing brake pads in a Honda CRV 125,000 miles

Lots of good advice here already. My recommendation is to pick which service provider you feel most comfortable with and plan to use again in the future. I most often recommend an independent mechanic instead of a dealership and definitely not Pep Boys or any of the parts shops that also try to offe...
by jbuzolich
Wed Jul 10, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Wyze Cam reviews
Replies: 28
Views: 3042

Re: Wize Cam reviews

We have two of the cameras and love them. Spent around $70 total for two cameras and memory cards. Easy setup. Already feel like the money was saved the first time motion alerts made me look and I noticed the garage was still open. Motion was just headlights on the street but got me out of bed to go...
by jbuzolich
Sat Jun 29, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Basic LLC Questions
Replies: 10
Views: 914

Re: Basic LLC Questions

The LLC or S-corp you're talking about are more liability control issues and legal structure. You could just operate as a sole proprietor and not bother with LLC unless you wanted to try and limit your exposure. Also might be a good idea to find an accountant you trust or familiarize yourself with s...
by jbuzolich
Sat Jun 15, 2019 3:29 pm
Forum: Personal Investments
Topic: Combined house and auto insurance discount in North California
Replies: 1
Views: 251

Re: Combined house and auto insurance discount in North California

We're happy with Amica. You'll probably get multiple recommendations but Amica is mentioned often. I'm a long time word of mouth supporter of theirs. Not the cheapest but very easy to work with. They don't combine the discount exactly but we receive a multi policy discount. Have two houses, two cars...
by jbuzolich
Fri Jun 14, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 3119

Re: Durable non-stick cookware suggestions?

Exactly, do not wash other than a light wipe down by hand with soap. Air dry. No dishwasher machine runs. Buy commercial grade if you see them. I have a favorite Tramontina Pro from Costco. Used a good number of years, then started to flake a little. I mailed to the company and they mailed me one ba...
by jbuzolich
Sat Jun 01, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3905

Re: What to do with a 24" analog CRT TV?

Take it to ewaste please and do not put in your trash. TVs need to be recycled appropriately. In our town in California, the dump accepts ewaste for free in sorted dumpsters. Also just helped get rid of a TV in Oregon last weekend and the local Goodwill drop off also had signs accepting ewaste for f...
by jbuzolich
Sat May 11, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much can parents gift children in 2019 tax free?
Replies: 38
Views: 5060

Re: How much can parents gift children in 2019 tax free?

There are multiple articles and calculators online if you look around on this subject. No gift tax is due until some really large number is hit, such as over $11M given away by the parent beyond yearly exemptions. They might have to fill out a form with their return that year if they go over the yea...
by jbuzolich
Sat May 11, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 4053

Re: Costco Finance and it’s lenders (Consumer Direct)

I plan to check out the Costco partner offers the next time we refi or purchase a property but we've already had great luck multiple times with aimloan.com. No relationship, but low guaranteed closing costs and we've completed multiple refinances and one purchase with them. Very quick and mostly onl...
by jbuzolich
Thu May 02, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 15821

Re: Tequila and Magaritas

Always 100% agave. Anyway my go to tequila is usually El Jimador. Very reasonable price under $20. The Costco non alcoholic mix is my favorite with just like juice, sugar, and water. It's great and also good for cooking.