Search found 42 matches

by nashirak
Thu Feb 15, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 20147

Re: For BHs who actually like cars - [what car do you drive every day?]

My primary vehicle is a company car that I can keep for personal use (2017 Ford Fusion). Drives well, very comfortable.

Our personal vehicles are a 2006 Jeep Wrangler (my weekend toy), and the wife has a 2012 Hyundai Elantra.
by nashirak
Thu Feb 15, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7984

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

We have two vehicles with UM/UIM set to 100/300/100. We pay about $120/year for that portion. We pay about $1100 for the year total for the two vehicles. I think you need to shop around or get a better agent.
by nashirak
Thu Feb 15, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 5010

Re: Any Creative Ways to Cut the Cable?

We ditched cable TV. We just run internet, netflix/Hulu/prime, and an HD antenna.
by nashirak
Thu Feb 15, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 775
Views: 83270

Re: Netflix, Your Current Favorite Show

Another solid vote for Altered Carbon. Fantastic series.

I also liked Travelers. Great time travel-based sci-fi.

Pretty much all of their Marvel series have been really good.
by nashirak
Wed Feb 14, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Bonavita 1500 vs 1800/1900? (coffee)
Replies: 16
Views: 1528

Re: Bonavita 1500 vs 1800/1900? (coffee)

We have the Bonavita 1900TS and love it. It’s simple and it brews a perfect cup. As others have mentioned, the number of cups is based on the smaller, stronger, European style of coffee. So adjust your coffee/water ratio accordingly. Our 8-cup model is perfect for my wife and I to have two good full...
by nashirak
Wed Feb 14, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 1814

Re: Obligation to use car insurance proceeds?

Speaking as an insurance adjuster for a major company: 1) No, you are not required by us to fix the vehicle. If the car is financed, your bank may require it. 2) No, cashing the check does not limit repair or injury options. If you cash the check then decide two weeks later to fix the vehicle and th...
by nashirak
Thu Jan 25, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 19664

Re: How does everyone keep track of your portfolio?

Quicken primarily tracks all of our finances (including investments/retirement accounts). I also have a M* portfolio which is pretty handy. I also like the X-ray feature for breaking down the holdings. And I have never gotten spam/email from them. The only email I’ve gotten is a daily email with por...
by nashirak
Mon Jan 15, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 2426

Re: Insurance: Who do you use? (Auto/Home)

We have USAA for everything (banking, home/life/auto). They had the best rates, and they got even better when everything was bundled together.
by nashirak
Sun Jan 14, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Uber experience as worker?
Replies: 16
Views: 1875

Re: Uber experience as worker?

Lyft and Uber cover you for both collision and liability. They are contingent on you maintaining your own full coverage on your vehicle, and your insurance company still needs to know even if you have an accident unrelated to carrying passengers. If they find out on their own that you are using you...
by nashirak
Sun Jan 14, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card cash reward for payment
Replies: 10
Views: 1424

Re: Credit card cash reward for payment

My USAA credit card give 2% back on everything. We have the option to get gift cards and other things, or just take a cash deposit to any of our USAA accounts. We usually just periodically dump the balance back onto the statement as a credit since there isn't any incentive to get the gift cards. Tha...
by nashirak
Sun Jan 14, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Uber experience as worker?
Replies: 16
Views: 1875

Re: Uber experience as worker?

Also be careful with your vehicle's insurance. Most personal auto policies are not designed for the type of liability you can get yourself into if you have an accident with a passenger as a "commercial vehicle". You may find the claim will not be covered or your policy canceled, and then find it ver...
by nashirak
Tue Dec 26, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 4541

Re: Statefarm Auto Insurance goes up every 6 months without reason?

There are a lot of things that go into insurance rates in a particular area. It could be related to you personally or it could be related to any of a number of things in your market area. They could also be related to state insurance regulations as previously mentioned, or to the company itself tryi...
by nashirak
Thu Jan 15, 2015 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 11218

Re: This topic is causing stress in marriage we need some he

"You wake up in the morning, your paint's peeling, your curtains are gone, and the water is boiling. Which problem do you deal with first? None of them! The building's on fire!" - House MD I think the biggest concern right now is getting your spending in check. You need to find a way to live within ...
by nashirak
Thu Jan 15, 2015 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 11654

Re: When your spouse isn't quite as frugal as you

Well I can relate to your husband. My wife and I sound similar to you and your husband. Except that I am the one who sets/monitors the budget/finances. My wife is the ultra-frugal, "pinch a nickel until the buffalo screams" of the couple, while I take a more realistic approach to spending. Don't get...
by nashirak
Tue Jan 13, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 26342

Re: What was your costliest investment mistake?

My only mistake is starting (relatively) late in terms of taking in interest in how my 401k and other retirement planning is set up. I was 27 before I even had a 401k; up to that point and a little after I wasn't as financially responsible as I should have been. Thankfully I didn't end up in crazy d...
by nashirak
Tue Jan 13, 2015 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 11543

Re: POLL: Homeowners Ins cost $/month per $100k home value?

We are at about 35/month for 180k in central Arkansas.
by nashirak
Tue Jan 13, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1250427

Re: How Many Credit Cards do you have?

I voted for three, but I guess the wife and I technically have five. 1) Bank of America Cash Rewards Visa. great for gas/grocery rewards all the time. Cash back applied to statement. 2) Discover Cashback Bonus. General spending/expenses, or use for whatever 5% bonus category for that period. 3) Basi...
by nashirak
Wed Dec 24, 2014 8:12 am
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 7071

Re: POLL: What are your monthly food expenses?

Wife and I are about $450/month for groceries (incl non-food) and eating out. 31/28, no kids, mid south area.
by nashirak
Fri Dec 12, 2014 8:02 am
Forum: Personal Finance (Not Investing)
Topic: GEICO vs. USAA auto insurance
Replies: 59
Views: 21314

Re: GEICO vs. USAA auto insurance

I switched from usaa to geico as well. I had a couple bad claim experiences with them (both non-fault, just bad customer service). Geico was able to give me better rates with higher coverage limits (win win). I actually work for geico now and can say I am very happy with the switch (both personally ...
by nashirak
Fri Dec 12, 2014 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Car Loan vs Cash Flow
Replies: 22
Views: 2446

Re: Car Loan vs Cash Flow

I would get rid of the car loan. Home loans are different in that they actually build equity and value (usually). Cars devalue like a rock falling from the sky. Unless. You put down a large down payment then you will be upside down on the loan for a couple years. Thats a bad place to be if the car g...
by nashirak
Thu Dec 11, 2014 9:37 pm
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 40
Views: 6350

Re: East Coast trip with kids (NYC, Boston, Washington?)

I think you've gotten some good advice. I highly recommend DC for the duration. The metro is cheap and goes everywhere. Everywhere else is walkable. So many monuments, museums, the government edifices. The National Archives are not to be missed. Across the river to Arlington and the tomb of the unkn...
by nashirak
Mon Dec 08, 2014 12:20 am
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 9451

Re: Who Paid for the wedding?

My wife and I got married as little over a year ago. Her family paid for the service and reception, my family paid for rehearsal. When we have kids and they reach that age we will encourage the same. We both came from families with strong traditional values and strong homes/marriages. Her parents pa...
by nashirak
Sun Dec 07, 2014 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14806

Re: Am I being cheap? [wedding/engagement ring]

The reason for being a Boglehead is so that you have enough money for the things that really matter. If the woman you love wants the engagement ring, that's a pretty good use of your savings. For some people, the ring is meaningless. For others, such as your girlfriend, it means a lot. This this th...
by nashirak
Thu Nov 20, 2014 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: New teenage driver - which car for insurance
Replies: 31
Views: 4557

Re: New teenage driver - which car for insurance

As has already been stated, they are better off in the cheapest of the vehicles. Likely that will be either the suburban or the camry. Just call up your carrier and and quote it in every variation. Although, if all three cars are already insured on the policy, then that means that each vehicle HAS a...
by nashirak
Tue Nov 18, 2014 11:21 am
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 9262

Re: When do your account returns dwarf your contributions?

To me this is all academic. My wife and I will contribute to retirement (assuming financially able) until the day we retire. Given our current DINK status enables us to squirrel away 40-50% of our annual income and still enjoy life. Like someone said earlier, why would I waste money on things that w...
by nashirak
Sat Nov 15, 2014 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: How premium cable can cost $59K
Replies: 45
Views: 7666

Re: How premium cable can cost $59K

Get an HD antenna, high speed internet, and Netflix. Been running that combination for several years now and couldn't be happier. :sharebeer
by nashirak
Thu Oct 23, 2014 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 3646

Re: How did you buy your largest home?

My wife and I are still in our our starter home, but thanks to a large down payment and a 15-yr loan we have almost 80k of the 180k value in equity after two years. We don't plan to move for a couple years (no kids), but will just roll everything from the sale of this house into our "family/forever/...
by nashirak
Tue Oct 21, 2014 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits to a larger than necessary house (as children grow)
Replies: 31
Views: 4158

Re: Benefits to a larger than necessary house (as children g

I tend to ageee with the folks advising to stay put. I also grew up in a house that was 4br-2.5ba and under 3k square feet (plus an over-garage bonus room). Having a bigger house will not fix the issues you describe. Imagine what you describe in your first post, now throw in the hassle of packing/mo...
by nashirak
Mon Oct 20, 2014 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 56
Views: 6086

Re: Debit Card was hacked. Should I just use cash from now

I agree with most of these posts. Debit/ATM cards are only used at an ATM. We use credit cards and direct bill-pay for everything else. Credit cards are paid off monthly. As an added precaution, only one month's worth of expenses are kept in checking. The rest is kept in MM savings. There is no over...
by nashirak
Fri Oct 17, 2014 11:58 am
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 4788

Re: Why are 401k plans expensive?

I guess I got lucky. I haven't seen any fees out of my 401k, so that's probably a combination of it being at vanguard and/or my company paying them. My wife's is through Schwab, and even her fees are pretty low, something like .2%. The funds in her 401k are low-cost as well.
by nashirak
Thu Oct 16, 2014 1:04 pm
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 4664

Re: Who should regularly contribute to taxable investments?

My wife and I have a taxable account simply because we had a glut of cash on hand after we got married. We weren't really savvy on how to plan for retirement (fixed thanks to these fine people). When we got everything set up, we were able to convert about 40k into everything and still have a year of...
by nashirak
Tue Oct 14, 2014 6:41 am
Forum: Investing - Theory, News & General
Topic: Investing Mortgage Payments
Replies: 11
Views: 1466

Re: Investing Mortgage Payments

My mortgage began as a 15-yr loan, and my rate is under 3% fixed. My gains in investing long term outweigh the low interest rate I'm paying. I would be better off putting the funds where they can do the most good. We already have a year's expenses in cash (that's including mortgage) so we're prepare...
by nashirak
Mon Oct 13, 2014 10:02 pm
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 5453

Re: Does your ROTH hold risky or stable items?

Both the wife and I hold 100% VTSAX in our Roths. But echoing others, they are relatively small portion of the total portfolio. They are also not really part of our emergency funding (unless all hell breaks loose and we manage to burn through all our cash, all our credit cards, and all our taxable a...
by nashirak
Wed Oct 01, 2014 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 5840

Re: Do you deviate from the BH philosophy?

I guess I do in a way. My portfolio isn't quite within the "one portfolio-one goal" philosophy. My tax-deferred accounts are all running 90/10 VFORX target funds, while my taxable accounts are funded by my excess on-hand cash my wife and I accumulated. That is running 3-fund style closer to 50/50 (u...
by nashirak
Tue Sep 30, 2014 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 2429

Re: need for a backup credit card?

I concur with having more than one card. My wife and I have two all-around credit cards (BoA cash rewards visa and a discover. We also have two store credit cards (kohls and lowes) since they both offer instant savings that beat most rewards. I agree on having different cards. Our visa and discover ...
by nashirak
Thu Sep 25, 2014 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Move to vanguard equivalents or leave alone?
Replies: 7
Views: 892

Re: Move to vanguard equivalents or leave alone?

And here's another wrinkle: most of the funds in her account show as being closed in the FundAccess system. Can they still be accessed if they are being rolled over in kind or is my only option to dump them from that account into entirely knew funds all at once? I'll check through the wiki article a...
by nashirak
Thu Sep 25, 2014 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Move to vanguard equivalents or leave alone?
Replies: 7
Views: 892

Re: Move to vanguard equivalents or leave alone?

She has been (and we, once we got married) have been paying taxes on the earnings/turnover/etc. It is just a basic investment/brokerage account, he just opened it for her in her name. It isn't any sort of 529 or custodial account. His contributions are just normal out of his own pocket. Once we get ...
by nashirak
Thu Sep 25, 2014 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Move to vanguard equivalents or leave alone?
Replies: 7
Views: 892

Move to vanguard equivalents or leave alone?

Hey folks, have a question that may be better posed to a CPA/tax-man. But I figured I would get some input here first. My wife and I have opened accounts at vanguard (his/hers Roths and a joint taxable account). Shortly we will be taking possession of an account for my wife. Basically her grandfathe...
by nashirak
Sat Sep 13, 2014 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on expanding my portfolio!
Replies: 6
Views: 1091

Re: Need some advice on expanding my portfolio!

The end of your post is kind of what I was suggesting/thinking. Let the ira/401k side of things be more aggressive, and let the taxable side run more conservative to net out a total of 80/20. Running the numbers, if I set up the 4 accounts to run 90/10 in their TRA's, and put a lower mix into the ta...
by nashirak
Sat Sep 13, 2014 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on expanding my portfolio!
Replies: 6
Views: 1091

Re: Need some advice on expanding my portfolio!

Kevin, I like both of your suggestions: simplicity, but also working things in the taxable account to maximize savings. I'm thinking for simplicity and minimizing rebalancing (especially since I'm looking at 5 different accounts (two 401k, 2 Roth, and the taxable account), I may just run the target ...
by nashirak
Thu Sep 11, 2014 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on expanding my portfolio!
Replies: 6
Views: 1091

Re: Need some advice on expanding my portfolio!

I'm not opposed to a little spreading things around. With the reading I've been doing I need some good practical ideas/examples to help put the theory to use. I like the list you gave me, moves things around without being overly complicated. In terms of dollars, I'm putting around 10k in, my wife ab...
by nashirak
Thu Sep 11, 2014 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on expanding my portfolio!
Replies: 6
Views: 1091

Need some advice on expanding my portfolio!

Hey folks, new to investing. This is going to be the longest first post I’ve ever made a forum. I’ve started reading “intelligent investor”, burned through “investing in your 20s/30s for dummies” (first time ever reading anything in that series, I was pleasantly surprised), and I’m working on “bogle...