Search found 762 matches

by theplayer11
Tue Jul 16, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 73
Views: 6309

Re: No A/C in Office [not a safe work environment]

drawpoker wrote:
Tue Jul 16, 2019 7:27 pm
averagedude wrote:
Tue Jul 16, 2019 1:12 pm


........although i would highly recommend that you not apply for a job in the roofing business.
Or in one of the steel mills around Gary Indiana
or any job requiring physical labor...suck it up or quit
by theplayer11
Mon Jul 15, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 78
Views: 4290

Re: Anyone buy the Nissan Rogue over the Honda CRV???

While the oil issues on the honda are certainly a concern you will probably do better overall on reliability with the Honda. I think the Honda is probably also a nicer vehicle. Have you looked at the Mazda CX-5? We just got one and my wife and I both thought it was nicer than the CRV. Just got a Ma...
by theplayer11
Sun Jul 14, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 78
Views: 4290

Re: Anyone buy the Nissan Rogue over the Honda CRV???

How about a used 2016-18 Acura RDX? It's last gen with a 6 cyl engine that doesn't suffer from the oil dilution issues of the newer 4 cyl direct-injection RDX and CRV. The Advanced trim has similar safety features (BSM, rear cross traffic, auto cruise, lane keeping, CMBS) of the current Honda CRV. ...
by theplayer11
Sun Jul 14, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 78
Views: 4290

Re: Anyone buy the Nissan Rogue over the Honda CRV???

The Honda CRV has been beat up often on this forum. I currently have a 2013 Honda Accord with the 2.4L engine. The car is running great, but I do covet getting a car with all the driver assist safety features. The location of the Honda dealership is great since I can get there in 10 minutes even wi...
by theplayer11
Sun Jul 14, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 78
Views: 4290

Re: Anyone buy the Nissan Rogue over the Honda CRV???

While the oil issues on the honda are certainly a concern you will probably do better overall on reliability with the Honda. I think the Honda is probably also a nicer vehicle. Have you looked at the Mazda CX-5? We just got one and my wife and I both thought it was nicer than the CRV. +1000....If a...
by theplayer11
Sun Jul 14, 2019 4:42 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 151
Views: 7788

Re: Who cuts your hair? And for how much?

local salon, $12 plus $5 tip
by theplayer11
Sat Jul 13, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Adding a Vehicle raises Umbrella premium?
Replies: 12
Views: 1208

Re: Adding a Vehicle raises Umbrella premium?

sold 1 of the vehicles and rate came down $77...so $2.90 more with adding the new car.
by theplayer11
Sat Jul 13, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 86
Views: 9764

Re: Paying cash for a vehicle

Reading the comments, it seems many people think all vehicles are created equal. Vehicles across makes and models vary widely in quality in reliability. $10k for a Toyota Highlander with 150k miles is an entirely different proposition than for a Chevy Equinox. Mileage by itself doesn't say much wit...
by theplayer11
Fri Jul 12, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 69
Views: 7738

Re: Survived the First Week [of retirement, what's next?]

how did we get to the point that our entire existence is based on our work? You are retired, do whatever [removed -- moderator oldcomputerguy] you want..travel, get hobbies, do nothing......life's too short to be retired and still thinking you should be working. [extra blank lines removed by admin L...
by theplayer11
Fri Jul 12, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 221
Views: 12785

Re: Should I encourage my kids to work in high school/college?

yes, the sooner kids start to work the better. Responsibility, finances, work ethic..all positives. Parents handing their teenage kids spending money only generates problems IMO
by theplayer11
Tue Jul 09, 2019 5:44 am
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 2542

Re: New budget SUV vs used luxury SUV

just bought a new cx-5 GTR. If you care about performance at all, don't skimp, get the turbo. Really fun to drive. Of course this means you are paying for a bunch of other features you might not want if $$$ is a huge factor....really liking those ventilated seats though :happy
by theplayer11
Mon Jul 08, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Where to sit @ Fenway Park?
Replies: 11
Views: 735

Re: Where to sit @ Fenway Park?

left field no alcohol sections are a good bargain if you don't drink during the game
by theplayer11
Thu Jul 04, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: how much to finance a new car at .9%
Replies: 57
Views: 3861

Re: how much to finance a new car at .9%

I would have gotten the price of the car so low that there's no way they'd give me 0.9%. This reminds me of getting a "super deal" on your trade-in. No, what really happened is they played a jedi-mind trick on you and made a lot of money somewhere else - so much so, that they even took a loss on th...
by theplayer11
Thu Jul 04, 2019 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Adding a Vehicle raises Umbrella premium?
Replies: 12
Views: 1208

Adding a Vehicle raises Umbrella premium?

I just added a new vehicle with Allstate and I just noticed my $1m umbrella policy premium jumped from $267 to $347(29%). 3 drivers on policy, including 22 year old daughter. Policy is Nov to Nov so don't know if it's prorated.(no new bill) I do plan on selling 1 vehicle in the near future.
by theplayer11
Mon Jul 01, 2019 4:36 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 19995

Re: Do you share your net worth with family members?

what would be the point of sharing a milestone other than to brag? I don't because its serves no purpose.
by theplayer11
Sun Jun 30, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: how much to finance a new car at .9%
Replies: 57
Views: 3861

Re: how much to finance a new car at .9%

well, went to dealer yesterday and decided to buy the car. For some reason I thought I could put down a down payment with a credit card and settle up when I came back to pick up the car,,silly me. I didn't think they took personal checks(they do) and had it in my mind they would need a bank check. I...
by theplayer11
Sun Jun 30, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 1865

Re: Going to switzerland this september-advice?

DW and I took a trip to Switzerland a couple years ago. If you get the time, try to take a trip to Brienz, a charming small town on the edge of Lake Brienz. The view of the lake is breathtaking, and there a pretty neat wood carver's shop in the town. The other portion of Switzerland that we really ...
by theplayer11
Sat Jun 29, 2019 5:02 am
Forum: Personal Consumer Issues
Topic: how much to finance a new car at .9%
Replies: 57
Views: 3861

Re: how much to finance a new car at .9%

At that rate, borrow as much as possible for as long as you can and pay it back with inflated dollars. If you tire of the loan, simply pay it off. Now,why someone would buy new vs used... 😜 To answer your question..I gave this a lot of thought. I'm 54 years old and hold my vehicles for 10 years, so...
by theplayer11
Fri Jun 28, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: how much to finance a new car at .9%
Replies: 57
Views: 3861

Re: how much to finance a new car at .9%

Purchasing a $33k vehicle. I can get .9% financing for 5 years or $500 cash back. I'm able to pay in cash but don't mind carrying the debt. Currently earning 1.8%. Is there an optimal amount I should finance? I read you should put 20% down in case the car is totaled in first year or 2, but I'm not ...
by theplayer11
Fri Jun 28, 2019 5:32 am
Forum: Personal Consumer Issues
Topic: how much to finance a new car at .9%
Replies: 57
Views: 3861

how much to finance a new car at .9%

Purchasing a $33k vehicle. I can get .9% financing for 5 years or $500 cash back. I'm able to pay in cash but don't mind carrying the debt. Currently earning 1.8%. Is there an optimal amount I should finance? I read you should put 20% down in case the car is totaled in first year or 2, but I'm not f...
by theplayer11
Mon Jun 24, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 228
Views: 186509

Re: [Why did my fund suddenly drop in value?]

why would vti be down .28% with both s&p 500 and nasdaq both up? I don't think I've seen this before.
by theplayer11
Fri Jun 21, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 111
Views: 16450

Re: How do Bogleheads buy cars?

Buying used is the best option most if the time but i must admit my philosophy has now changed. At 55 years old, i have maybe 3 cars left to buy, so I will buy new and get every option i want. Sometimes you have to treat yourself and not worry about every last dollar. I plan to buy a new Mazda cx-5 ...
by theplayer11
Fri Jun 21, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 773
Views: 85417

Re: Fidelity as a one stop shop

I'm surprised Fidelity lets you at the funds a day early. As I mentioned above, I see them at my credit union as a future transaction but funds are not available as the credit union honors the scheduled transaction date (by the same token, I will see some ACH withdrawals as future as well but they ...
by theplayer11
Wed Jun 19, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Any Massachusetts people on ACA subsidy?
Replies: 6
Views: 524

Re: Any Massachusetts people on ACA subsidy?

in 2020 I believe family of 5 income would be $120,680 to stay under the cliff
by theplayer11
Tue Jun 18, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Re: Should we retire in 4 years?

4% of 1.2 million is 48k. Does your current expense of 45k/yr include taxes? Does your 45k include budgeting for occasional high priced expenses like roof or hvac replacement? Will your expenses remain 45k/yr for the next 4 years? These are the kind of things I think about. For me the numbers are a...
by theplayer11
Tue Jun 18, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Re: Should we retire in 4 years?

Does the $45k expenses include health insurance? For example for DW and me, age 54 and 52, ACA insurance is $28k, and has a $4k deductible. So we're looking at $32k min for healthcare alone! If we can get our income down below about $65k per year, that drops to about $7k per year with a subsidy. Ha...
by theplayer11
Mon Jun 17, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Re: Should we retire in 4 years?

Does the $45k expenses include health insurance? For example for DW and me, age 54 and 52, ACA insurance is $28k, and has a $4k deductible. So we're looking at $32k min for healthcare alone! If we can get our income down below about $65k per year, that drops to about $7k per year with a subsidy. Ha...
by theplayer11
Mon Jun 17, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Re: Should we retire in 4 years?

Investment returns for the next 4 years will answer the question, I think. The market could be down 50%, or more in 4 years. Or maybe reach new highs. It's nice to see a "can I retire?" thread where the OP doesn't have $80 million dollars, a $200k pension, with only $28k annual expenses. yes, you a...
by theplayer11
Mon Jun 17, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Re: Should we retire in 4 years?

How much could you sell your business for? I don't think we could sell. It's a wholesale flower business. The land will be passed to our kids, been in the family a long time. Do you mean that you want to keep the business in the family, or do you believe that you could not sell the business for wha...
by theplayer11
Mon Jun 17, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Re: Should we retire in 4 years?

Watty wrote:
Mon Jun 17, 2019 1:31 pm
How much could you sell your business for?
I don't think we could sell. It's a wholesale flower business. The land will be passed to our kids, been in the family a long time.
by theplayer11
Mon Jun 17, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Re: Should we retire in 4 years?

yes, SS should be about $40k between wife and I at full retirement age of 67. I guess the bottom line is that we are getting burnt out and we want to get out before we physically wear out. We have never been able to travel except for Winter months, would love the freedom to go places at any time. I...
by theplayer11
Mon Jun 17, 2019 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Re: Should we retire in 4 years?

yes, SS should be about $40k between wife and I at full retirement age of 67. I guess the bottom line is that we are getting burnt out and we want to get out before we physically wear out. We have never been able to travel except for Winter months, would love the freedom to go places at any time. IF...
by theplayer11
Sun Jun 16, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 31
Views: 4017

Should we retire in 4 years?

Wife and I own a small business, I'm 54, she's 52. The work is physical, but seasonal.(Crazy busy in spring, summer, slow in fall and not much to do at all in winter) We are in good health, but the work seems to get a little harder and more aches and pains every year. I don't want us to work to we d...
by theplayer11
Sat Jun 15, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 67
Views: 4546

Re: IPhone 6 - showing some age

batteries don't last forever, change it
by theplayer11
Sat Jun 15, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 22045

Re: How have your homes as investments done?

my home is not an investment, it's where I live and will someday be passed on to one of my children
by theplayer11
Sat Jun 15, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: 11 days. England, Ireland or Scotland?
Replies: 31
Views: 2070

Re: 11 days. England, Ireland or Scotland?

cork>dublin...with 11 days I would visit London for 4 and rest in Ireland. Visit countryside of England another time.
by theplayer11
Sat Jun 15, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 2703

Re: Best SIM card for travel in Europe?

For trip last Feb, bought Sim in Malta and was able to use in Italy and Spain. Free roaming to most countries now.
by theplayer11
Thu Jun 13, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3882
Views: 720310

Re: What's Your Credit Card Rewards Strategy?

piling up avios...bos-mad round trip in business for 68k points is outstanding value.
by theplayer11
Mon Jun 10, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Are destinations weddings a new trend?
Replies: 8
Views: 679

Are destinations weddings a new trend?

Personally, I think it's presumptuous for the bride and groom to expect their relatives to go on a forced vacation because they want to be married in some tropical paradise. Maybe some would love to see them married but can't afford the travel, or can't take time off work. Why not just go on the hon...
by theplayer11
Thu Jun 06, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: New Roof - to RidgeVent or to not RidgeVent
Replies: 39
Views: 3953

Re: New Roof - to RidgeVent or to not RidgeVent

new roof with ridge vent a few year ago and noticeable cooler on second floor..no soffit vents
by theplayer11
Thu Jun 06, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: New Roof - to RidgeVent or to not RidgeVent
Replies: 39
Views: 3953

Re: New Roof - to RidgeVent or to not RidgeVent

new roof with ridge vent a few year ago and noticeable cooler on second floor..no soffit vents
by theplayer11
Fri May 31, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158572

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

well Honda has lost sales from 3 people in my immediate family because of this issue. Maybe they should have been more proactive on this issue.
by theplayer11
Tue May 28, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11157

Re: Paying Kids For Good Grades -- do you do it?

we paid for honor roll and it was definitely a motivator. Doesn't work so well for parents who freely hand their kids money though.
by theplayer11
Tue May 21, 2019 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 221
Views: 12785

Re: Should I encourage my kids to work in high school/college?

my daughter just received her masters in OT and worked all through college along with all her friends. They all did outstanding academically. The notion that a student can't work and get good grades is complete rubbish.

I surprised at many of the boglehead responses....
by theplayer11
Tue May 21, 2019 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 221
Views: 12785

Re: Should I encourage my kids to work in high school/college?

how will they have spending money if they don't work? Hand outs? Kids earning their own money at a young age, budgeting, ect teaches them to be responsible. Money doesn't grow on trees. I wince at mommy and daddy giving their kids money and not teaching them how one must work to get things they need...
by theplayer11
Fri May 17, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Summer Vacation UK vs. Spain
Replies: 41
Views: 2918

Re: Summer Vacation UK vs. Spain

Have frequented the UK often (mostly London and Wales- Cardiff) and Spain several times (Barcelona, Madrid, Valencia, and Seville). I like Spain soooooo much more than anywhere in the UK. London is one of the cities I despise the most to have to “visit” and will never to back unless forced by busin...
by theplayer11
Fri May 17, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 6990

Re: Honda CRV or Toyota RAV4 ?

Long time Honda owner thinking about getting a new CRV. Was wondering how a RAV4 would compare especially on price and reliability. Your thoughts? Neither. The Honda has engine issues and the Toyota is underwhelming all around. Go with the Mazda CX-5 instead. +1..drive a CX-5(especially the turbo) ...
by theplayer11
Sun May 05, 2019 3:01 pm
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 36
Views: 3807

Re: Boglehead investing through a major downturn

I have lived long enough to realize that when there is blood in the streets...buy as much as you can