Search found 327 matches

by srt7
Mon Jan 21, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 116
Views: 11831

Re: How much money did you receive from family? (Gifts/inheritance)

My dad passed away when I was 29, just a couple years into his retirement. He was divorced and I'm an only child so he left everything to me. We were always lower-middle class and lived very frugally, so I was surprised that he had managed to put away about $250k. It made a significant impact on my...
by srt7
Wed Jan 16, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 851
Views: 44248

Re: John Bogle is dead at 89

Rest In Peace, Mr. Bogle. Thank you for all that you have done for us.
by srt7
Tue Jan 15, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31264

Re: Funniest movies of all time? Name five of your favorites...

The Hangover
Old School
The Heartbreak Kid
There's Something About Mary
Nothing to Lose

Of course, this is not including all the movies under the "Carry On ... " series.
by srt7
Tue Jan 15, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3594

Re: 2019 Camry vs RAV4

OP,

The only way to find out prices is to email the dealers around you. Use their internet department to get an ePrice etc. That should give you a good idea on the price. Then you can take the next step ... send the lowest quote to the rest asking them to beat it.

Good luck!
by srt7
Tue Jan 15, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 39
Views: 3594

Re: 2019 Camry vs RAV4

How often would you be moving large items? Key question there. Home Depot will rent you a truck for 45 minutes for $19 or they'll deliver to your house. +1 After years of buying cars based on black swan events in my life (what if I need to move furniture or what if I need to transport 6 people etc....
by srt7
Tue Jan 15, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 176
Views: 10520

Re: Are You Dumping Netflix?

Nope. Those increases don't warrant dropping it.

But the time we spend watching those shows ... now that might warrant dropping Netflix :D
by srt7
Tue Jan 15, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6585

Re: A co-worker makes more than me

Don't use that info. for anything other than to boost your own confidence that it is okay to ask for a bump. If asked why you feel you can get a 10% raise then tell them that it is the market number etc. AFTER showing them all the awesome work you have done and will do for them, of course. More impo...
by srt7
Tue Jan 08, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6255

Re: What do you think are (some of) the best states to live in?

what states offers as much of or as solid a mix as possible of the following: decent job opportunities/economy good education favorable climate potential for outdoor activities/scenery relatively "fair" COL those that have lived or explored living in other states in the country, what are your thoug...
by srt7
Sat Jan 05, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 3529

Re: Recommend men's undershirts

Kirkland's by Costco.
by srt7
Thu Jan 03, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Do you have a fun finance-related hobby?
Replies: 50
Views: 6043

Re: Do you have a fun finance-related hobby?

willthrill81 wrote:
Sat Dec 29, 2018 10:58 pm
This forum is my hobby. :wink:
+1

Lots of great (financial and non-financial) advice is given here.
by srt7
Thu Jan 03, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 10869

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

OP, Lots of great actionable advice in the answers here! G.P.A. is all but one metric but somehow is made a bigger deal than necessary. It slowly gets to one and becomes a psychological factor. I'm talking both high and low GPA's here. Please ask your son to make it a secondary metric and focus on h...
by srt7
Fri Dec 28, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8114

Re: Saving at Costco

There are a lot of Costco threads, but my request is a serious one. After looking at my YTD spend, I am blown away at what my family spent at Costco. I obviously need to pare the spending down to paper products, food, perishables and canned, and detergents/cleaners/toiletries. Who found ways to cut...
by srt7
Fri Dec 28, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8114

Re: Saving at Costco

Teague wrote:
Fri Dec 28, 2018 4:22 pm
I spend a lot at Costco. I like Costco. I've concluded that Costco does not save me money on the whole, but shopping there has raised my standard of living. I'm willing to trade some of my money for that result.
How? I am genuinely curious.
by srt7
Fri Dec 28, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2369

Re: Why do people buy- performance cars?

FlyAF wrote:
Fri Dec 28, 2018 4:27 pm
Acura TLX is not a performance car.
+1 I don't even know why they make those when an Accord V6 is the better option.
by srt7
Fri Dec 28, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2369

Re: Why do people buy- performance cars?

It's not about speed limit. It is about how fast you'd get to the speed limit and about the adrenaline rush during that time. Both of which only a car enthusiast would "get".
by srt7
Fri Dec 28, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3336

Re: not funding kid's tuition

My wife and I will have our first of 3 kids in college in the next 8years. Our HHI is about 200K living in SoCal. We currently have ZERO saved for college tuition. We also both feel we have no obligation to help pay for our kids tuition. Neither of our parents helped with our tuition and I think it...
by srt7
Fri Dec 28, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3336

Re: not funding kid's tuition

I don't have kids, but my parents had no means to help me out with college and they made that perfectly known. The much bigger issue is that they simply told me that they couldn't afford it and that was that. They never motivated me to attend college, never had me take the SAT, never had me apply t...
by srt7
Wed Dec 26, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 4892

Re: Why call them "losses" when you still own the shares?

I only call it a gain or loss when I cash in the chips. They're "in play" during all other times.
by srt7
Wed Dec 26, 2018 11:53 pm
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 4892

Re: Why call them "losses" when you still own the shares?

For the same reason that, if a tree falls on my car, I call it a loss, even before I have it towed to the junkyard. ETA: I still own it. I don't think that analogy quite fits in here. One's stock might lose value today but it could very likely gain value tomorrow. Your car on the other hand is head...
by srt7
Wed Dec 26, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: This is why you should not time the market
Replies: 38
Views: 5929

Re: This is why you should not time the market

The market is up 5% today. Weren’t headed to the abyss? Didn’t we have the biggest christmas eve sell off in history? A lot of people were talking about going cash, predicting more nose dives. And then today happened. Washington post calls it the biggest Dow point gain in history. Had you sold afte...
by srt7
Wed Dec 26, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: QE, massive crash, Dow 3000?
Replies: 39
Views: 5807

Re: QE, massive crash, Dow 3000?

Toons wrote:
Wed Dec 26, 2018 10:58 pm
3000?
One can only hope they can have that kind of buying opportunity offered to them by,,
Mr Market.
:mrgreen:
:mrgreen: Agreed.
by srt7
Wed Dec 26, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11644

Re: Now is the time to REJOICE!

Is there proven results if you rebalance. What if one just let the market ride and did not care about the risk. In the end will it all work out the same. Good question. Does re-balancing work better over just setting it in auto-pilot for long-term investors? Vanguard has a paper on the reason for r...
by srt7
Wed Dec 26, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: QE, massive crash, Dow 3000?
Replies: 39
Views: 5807

Re: QE, massive crash, Dow 3000?

Do you normally find random people on the Internet and then just believe everything they write? Here's what you do: take the author's name and Google it. See what they wrote in 2016 or 2015 or 2010. Does it seem like they consistently make good predictions? Or does it seem like they have a track re...
by srt7
Mon Dec 24, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11644

Re: Now is the time to REJOICE!

indexonlyplease wrote:
Mon Dec 24, 2018 1:39 pm
Is there proven results if you rebalance. What if one just let the market ride and did not care about the risk. In the end will it all work out the same.
Good question. Does re-balancing work better over just setting it in auto-pilot for long-term investors?
by srt7
Mon Dec 24, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: spent too much? festive season gifts
Replies: 25
Views: 2139

Re: spent too much? festive season gifts

mindgap wrote:
Mon Dec 24, 2018 12:20 pm
I spend not more then about $100. No need for big gifts during the holiday season. I make gifts throughout the year so nothing special during this time of year.
+1

Crap gets accumulated throughout the year anyway.
by srt7
Mon Dec 24, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: spent too much? festive season gifts
Replies: 25
Views: 2139

Re: spent too much? festive season gifts

My basic rule is to spend zero on things and only spend on experiences such as getting family home for Christmas. We don't need any more crap. We are allowed to spend on things we would buy anyways, so underwear and socks, plus the latest tax prep software. Great rules. Believe it or not, my in-law...
by srt7
Mon Dec 24, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Who has made money by piggybacking on famous Hedge Fund managers?
Replies: 9
Views: 942

Re: Who has made money by piggybacking on famous Hedge Fund managers?

Hello Bogleheads, Happy Holidays! This piece showed up on my LinkedIn feed. It says, among other things: Hedge fund managers like David Einhorn, Dan Loeb, or Carl Icahn became billionaires through reaping large profits for their investors, which is why piggybacking their stock picks may provide us ...
by srt7
Mon Dec 24, 2018 1:09 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7245

Re: What was your best investment in 2018?

Our best investment was relocation. We had been in analysis-paralysis mode for quite a while and finally pulled the trigger this year. Couldn't be more happier. Breathing fresh air every day and watching the magnificent Rockies just outside our window ... priceless!
by srt7
Mon Dec 24, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11644

Re: Now is the time to REJOICE!

Warren Buffet always says he likes getting a good deal on companies he buys, and now is the time for all of us! Dumping a bunch of money into stock index funds while the going is good and cheap!! Anyone else investing more now??? I can understand if you wanted to get AMZN six months ago (when it wa...
by srt7
Mon Dec 24, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11644

Re: Now is the time to REJOICE!

Warren Buffet always says he likes getting a good deal on companies he buys, and now is the time for all of us! Dumping a bunch of money into stock index funds while the going is good and cheap!! Anyone else investing more now??? The "experts" say the us stock market is overvalued. So, I am just bu...
by srt7
Mon Dec 24, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11871

Re: All the "should I be 100% stocks" threads over the last year.

quantAndHold wrote:
Mon Dec 24, 2018 12:01 pm
Wow, this thread sure got derailed in a hurry.
Thanks! I won't bother reading after the first page then.
by srt7
Mon Dec 24, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11871

Re: All the "should I be 100% stocks" threads over the last year.

The thing I find amazing is the difficulty people seem to have in understanding that risk tolerance is a personal thing that cannot be argued about. Everybody seems to feel that their own stock allocation is somehow objectively right, and that it is possible to compute some correct amount of risk t...
by srt7
Mon Dec 24, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11871

Re: All the "should I be 100% stocks" threads over the last year.

Why are we just assuming that all of these people are now suddenly running for cover? Because it feeds into the worldview of those holding a 50/50 portfolio who have secretly regretted it while the market is going up. Some hold a 50/50 and are happy with it and that's fine. It's the one's who regre...
by srt7
Sat Dec 22, 2018 1:03 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9764

Re: When did the musicians on the titanic realize their fate?

So if I am getting this right ... Musicians = Us investors Titanic = Current stock market condition The stock market will bounce back up but I don't think the Titanic would. My point being that while this isn't the best of analogies, it should put things in to perspective. For one there is NOTHING w...
by srt7
Tue Dec 18, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5884

Re: Kid schooling - not learning much academically. Looking for suggestions.

Grt2bOutdoors wrote:
Mon Dec 17, 2018 9:57 pm
Public school. Try it, see how it works out.
+1
by srt7
Tue Dec 18, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 62
Views: 7347

Re: Article: Your love of index funds is terrible for our economy

I merged CULater's post on the same topic into here (the system sorts by time) So index funds investors are unpatriotic and against capitalism eh? It would've made a great article if it were published on April 1st. In accordance with Forum policies please refrain from discussing politics on the for...
by srt7
Tue Dec 18, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 6817

Re: Buyer's Remorse on purchasing a Mercedes

Sell it but only after running all the numbers. Of course, you will have to try to sell it to know how much you will get for it. Get quotes from a couple MB dealers, Carmax and EchoPark (it is like Carmax). Then compare those numbers to what you find on KBB and NADA. That should give you an idea of ...
by srt7
Tue Dec 18, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 6817

Re: Buyer's Remorse on purchasing a Mercedes

snackdog wrote:
Tue Dec 18, 2018 9:57 pm
Whatever you do, keep the keys away from Grandpa!
:mrgreen: :mrgreen:
by srt7
Tue Dec 11, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 62
Views: 7347

Re: Article: Your love of index funds is terrible for our economy

So index funds investors are unpatriotic and against capitalism eh? It would've made a great article if it were published on April 1st.
by srt7
Sun Dec 09, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3426

Re: Renting out 1st first home; how to get mortgage for second?

What is your current mortgage holder going to think about you renting out your personal residence? Is that allowed in your mortgage? If not, you risk getting it called. They don't care so long as you had the intent to move in at the time of purchase. Given the loan to value I'm guessing the OP has ...
by srt7
Sun Dec 09, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3426

Re: Renting out 1st first home; how to get mortgage for second?

What is your current mortgage holder going to think about you renting out your personal residence? Is that allowed in your mortgage? If not, you risk getting it called. As long as it was used as a primary residence for at least 6 months (1 year to be safe) no lender cares about it. They just want t...
by srt7
Sun Dec 09, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21010

Re: Best values at Costco? Honestly, a little disappointed...

... Recently shopped for drinking water and skipped Costco as they weren't even in the top 5 good deals for it. If you are referring to bottled water, please tell us where you can find it cheaper. At my Costco you get 40 bottles for $3. Nope. I wasn't talking about bottled water. I was looking for ...
by srt7
Tue Dec 04, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 8884

Re: Is this normal for an HOA?

What form? You didn't receive any form. :wink:
by srt7
Tue Dec 04, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1204

Re: Rental car classifications

If you're using Hertz and are a gold member you need to be careful to pick a car from the correct lot. I almost drove away in a SUV after reserving a mid-size sedan because the naming of their car lots were very similar.
by srt7
Tue Dec 04, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Trade-off: stability for money
Replies: 8
Views: 741

Re: Trade-off: stability for money

My only advice would be to take it slow. Humans aren't switches and need transition periods. Obviously, the more comfortable the job the more people available to do it so lesser the pay so that's the money part. As for the challenges (you are thinking about it too, right?) stable jobs will be routin...
by srt7
Tue Dec 04, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Re: Megacorp vs Small Company

So I had my call this morning and was very upfront. I was willing to accept the job at $XXX,XXX. THey stated we were too apart on conversation and told me if I change my mind to let them know this week. I politely said the same, if anything on their end changes to let me know as I am very intereste...
by srt7
Mon Dec 03, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Re: Megacorp vs Small Company

Mainly I am nervous to take the job even though it could be great. Nervous about what? Were you just horsing around and didn't really think you'd get an offer? And now that you did get one you don't want it because your current job at a MegaCorp is much more in your comfort zone? This late in the g...
by srt7
Mon Dec 03, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3426

Re: Renting out 1st first home; how to get mortgage for second?

$710K home in Durham, NC ... must be a real nice one! :beer
by srt7
Mon Dec 03, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3426

Re: Renting out 1st first home; how to get mortgage for second?

As someone mentioned above ... never lie and be straight about your plan. There are thousands of lenders. If one is giving you a hard time about it then move on to the next one. Although not the CA/NC combination, I did just this a few months ago and it worked out just fine. Lenders will offer up to...
by srt7
Mon Dec 03, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3426

Re: Renting out 1st first home; how to get mortgage for second?

What is your current mortgage holder going to think about you renting out your personal residence? Is that allowed in your mortgage? If not, you risk getting it called. They don't care so long as you had the intent to move in at the time of purchase. Given the loan to value I'm guessing the OP has ...