Search found 213 matches

by Presintense
Thu Aug 22, 2019 12:13 pm
Forum: Personal Investments
Topic: Should I go 100% index funds
Replies: 22
Views: 2507

Re: Should I go 100% index funds

I know many of you have three funds or even one. I index about half of my portfolio but still have three actively managed funds. What are your opinions on switching the others to VTSAX? This is long term money. Here are the three I own: Primecap Core VPCCX Fidelity Growth FDGRX Fildelity Contrafund...
by Presintense
Wed Aug 21, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Chicago - What to see, do & eat in two days
Replies: 68
Views: 3117

Re: Chicago - What to see, do & eat in two days

If liked the original Saturday Night Live you could grab lunch at the Billy Goat Tavern. Just don't order a coke.
by Presintense
Wed Aug 21, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 296
Views: 14188

Re: Selective Colleges

The three/two dual degree programs affiliated with many selective schools are a guaranteed admission for anyone who meets the gpa standard. Our son was unable to gain admission into one of the most selective private schools in the country straight out of high school. He spent two years at a three/t...
by Presintense
Tue Aug 20, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 296
Views: 14188

Re: Selective Colleges

The three/two dual degree programs affiliated with many selective schools are a guaranteed admission for anyone who meets the gpa standard. Our son was unable to gain admission into one of the most selective private schools in the country straight out of high school. He spent two years at a three/tw...
by Presintense
Tue Aug 20, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 134
Views: 9333

Re: Aliens have captured my husband [wants to buy a Porsche]

Apologies up front. You can rest easy knowing your husband may have been abducted by aliens but he does not want a real Porsche. That would be a 911. Your husband wants is a car with a Porsche emblem. There’s nothing to be afraid of. :D
by Presintense
Tue Aug 20, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3115

Re: Battery powered lawn mower

ponyboy wrote:
Mon Aug 19, 2019 6:04 pm
When my mower runs out of fuel, takes less than 60 seconds to top off. Seems like a clear winner to me.
+1

I like the idea of electric but by the sounds of things may have a yard that’s too large for the charge.
by Presintense
Sun Aug 18, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8197

Re: Taking a break in your 50s: Is it the kiss of death?

The post about increasing responsibilities at work with no increase in pay has been on my mind for a few days because it resonates with me a lot. I'm becoming disillusioned with my job and past posts will show this isn't the first time this has occurred. I tend to be the "work before fun" kind of p...
by Presintense
Sat Aug 17, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Hotel recommendation for Cambridge / Boston
Replies: 45
Views: 2233

Re: Hotel recommendation for Cambridge / Boston

We stayed at the Cambridge Doubletree on the river last March. Soldier’s parkway I believe. Full service hotel with decent amenities. Was not within walking distance to anywhere but had a free shuttle service to Harvard, downtown and back bay as well. Under $150/night. Combined with Uber and the tra...
by Presintense
Tue Aug 06, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: ways to stay a little cleaner during diy car maintenance
Replies: 39
Views: 2278

Re: ways to stay a little cleaner during diy car maintenance

I recently bought all the supplies to do my own car maintenance. Have already changed the oil and filter on each car twice, front and rear diff fluid, and installed a trailer hitch. As I get better I’ve gotten more efficient and spilling a little less oil each time on the ground. I haven’t found a ...
by Presintense
Mon Aug 05, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: The Super rich are selling stocks...
Replies: 13
Views: 3415

Re: The Super rich are selling stocks...

May not be prudent for the average investor to behave like the Super rich in any way.
by Presintense
Sun Aug 04, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 33
Views: 3934

Re: For those who have a revenue generating website.

Most excellent. Thanks for the input!
by Presintense
Sun Aug 04, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 4885

Re: Are all models of Toyota generally considered reliable?

My last Toyota, and believe me it may be my last: Frame corrosion recall although this is a warranty issue they charge for everything that is incidentally replaced during frame replacement ( btw, can you imagine having your vehicle frame replaced??? ) Other repairs: $1300 Mass airflow sensor failur...
by Presintense
Sun Aug 04, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 4885

Re: Are all models of Toyota generally considered reliable?

My last Toyota, and believe me it may be my last: Frame corrosion recall although this is a warranty issue they charge for everything that is incidentally replaced during frame replacement ( btw, can you imagine having your vehicle frame replaced??? ) Other repairs: $1300 Mass airflow sensor failur...
by Presintense
Sun Aug 04, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 4885

Re: Are all models of Toyota generally considered reliable?

My last Toyota, and believe me it may be my last: Frame corrosion recall although this is a warranty issue they charge for everything that is incidentally replaced during frame replacement ( btw, can you imagine having your vehicle frame replaced??? ) Other repairs: $1300 Mass airflow sensor failur...
by Presintense
Sun Aug 04, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 4885

Re: Are all models of Toyota generally considered reliable?

My last Toyota, and believe me it may be my last: Frame corrosion recall although this is a warranty issue they charge for everything that is incidentally replaced during frame replacement ( btw, can you imagine having your vehicle frame replaced??? ) Other repairs: $1300 Mass airflow sensor failure...
by Presintense
Fri Aug 02, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7127

Re: Do you buy the highest trim car ?

Hi All, I plan to buy a SUV soon and would be buying a new car. I see that the price for trim levels varies drastically. Do you guys buy the highest trims ? Cars I am considering: 1. Hyundai Palisade 2. Subaru Accent 3. Honda Pilot I want to stay below 40k but see that Leather seats are available i...
by Presintense
Fri Aug 02, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 33
Views: 3934

Re: For those who have a revenue generating website.

I have a few websites in different stages with one providing good income and the others still growing. The general idea is that they’re in a field I know very well and something I can stay interested in. It’s not blogging - not interested in that. They’re services. The one that makes me the most mo...
by Presintense
Fri Aug 02, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: Boglehead Complacency
Replies: 77
Views: 6132

Re: Boglehead Complacency

Hi All, Our cherished forum is one of the best sources of stock market sentiment. Right now I'd like to point out: >> lack of anxiety despite the ~80 handles drawdown we find ourselves in. >> many threads where people are looking to increase risk, rather than make preparations for the eventual drop...
by Presintense
Wed Jul 31, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 9714

Re: Ethics of "bonus payback" when quitting a job

If his contract stipulates repayment if he leaves, it would be unethical to attempt to avoid repayment. +1 on holding up his end of the executed agreement. Additional .02 : Wink wink nudge nudge is insight into the integrity of the former company's HR who has a responsibility to represent the inter...
by Presintense
Tue Jul 30, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: When to get attorney after car accident?
Replies: 27
Views: 3336

Re: When to get attorney after car accident?

I was rear ended on the freeway in a five car pileup and shoved into the car in front of me (I was fourth back in the line) on the freeway. I settled for property damage (my car was a total loss). Six months later I started having a tingling in my left thumb and weakness in my left hand. The tingli...
by Presintense
Sun Jul 28, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3105

Re: Quelling Car Fever

Ya'll probably won't see this, but I wanted to say thanks for spending time giving me the wisdom needed. A couple of you reacted to my emergency fund, and that was a stark reminder. With more reading here, I realized how much value you all place on that cushion and while my wife and I both have pre...
by Presintense
Sat Jul 27, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6460

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

My home was burglarized twice when I lived in a college town, neither an expensive nor a poor area. So all the remarks about it being unlikely mean nothing. Did you have to defend yourself? If so, what did you use? Burglarized means they likely weren't even home when their house was broken into. Bu...
by Presintense
Sat Jul 27, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: Just for fun, a bet. [Predicted future performance, 10 years later]
Replies: 10
Views: 1103

Re: Just for fun, a bet.

Just for fun, I'm willing to make a bet, and use this post as a reference, that the following portfolio beats the market over the next 10 years in both total return and in risk-adjusted (sharpe ratio) return: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&fir...
by Presintense
Sat Jul 27, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6460

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

fru-gal wrote:
Sat Jul 27, 2019 9:08 am
My home was burglarized twice when I lived in a college town, neither an expensive nor a poor area. So all the remarks about it being unlikely mean nothing.
Did you have to defend yourself? If so, what did you use?
by Presintense
Sat Jul 27, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: Just for fun, a bet. [Predicted future performance, 10 years later]
Replies: 10
Views: 1103

Re: Just for fun, a bet.

I think that's a prediction, not a bet, unless I missed an actual wager in there somewhere.
Anyway, good luck beating the market and I'll check back in ten years to see how your fortune telling fared.
by Presintense
Fri Jul 19, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8163

Re: Do you buy cellphone outright or pay over 2 years?

Outright. Under $300. Mvno service. Why do it any other way?
by Presintense
Wed Jul 17, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 57
Views: 4236

Re: Garage Organization

One of the things we’ve done in our last three garages is paint the bottom four foot of the walls gray then gloss white from there up. Dirty stuff that bumps the walls doesn’t leave visible marks and the garage walls always look super clean. In our current garage, we also bought eighteen foot of com...
by Presintense
Wed Jul 17, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 35
Views: 2407

Re: replacing mulch bed recommendations

I would suggest using fabric under river rock. As others have stated, nothing short of chemicals will completely stop weeds, etc from growing in any of the proposed materials. The benefit of river rock is that it doesn't move like smaller rock or mulch. You can use a blower on it, etc. Not perfect b...
by Presintense
Tue Jul 16, 2019 1:32 pm
Forum: Forum Issues and Administration
Topic: Quote only the part that you are responding to
Replies: 11
Views: 956

Re: Quote only the part that you are responding to

Guilty as charged.

Thanks for the reminder.
by Presintense
Sun Jul 14, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7426

Re: I think i can spend 30k on this vacation, but wife not sure

Blowing money on vacation was my final justification for quitting working. To me it felt empty to work so hard for my resources then show a lack of appreciation by spending them lavishly. For some, it may be a reward. For me, it was nonsense that I had to spend huge sums to enjoy a vacation. My 2 ce...
by Presintense
Sun Jul 14, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 7881

Re: Got robbed in London...Phone stolen...what else do I need to do?

I’m confused. Is a thief in London better at cracking an iPhone than the police, fbi, etc? It seems like it takes a warrant and the cooperation of Apple to get the information off of anyone’s physical iPhone without a password. Or maybe there’s something about your stolen phone that I’ve overlooked ...
by Presintense
Fri Jul 12, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2861

Re: Should I Buy a Motorcycle?

One day I had a friend tell me there were two kinds of motorcyclists; those who had crashed, and those who were going to. I laughed it off. After all, I’d been riding since a very young age, rode responsibly and really felt it wouldn’t happen to me. Then one day, I had a car turn left in front of me...
by Presintense
Tue Jul 09, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6884

Re: Buying a Smoker

Every so often I get an idea, and this time it's getting a smoker. I enjoy cooking, entertaining, and grilling, and this has made me curious. While no doubt I could get excellent technical information and specific product recommendations on a BBQ site, the questions are more about value. Basically ...
by Presintense
Tue Jul 09, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6884

Re: Buying a Smoker

Every so often I get an idea, and this time it's getting a smoker. I enjoy cooking, entertaining, and grilling, and this has made me curious. While no doubt I could get excellent technical information and specific product recommendations on a BBQ site, the questions are more about value. Basically ...
by Presintense
Mon Jul 08, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4243

Re: car color

we ill be getting a new car in feb 2020 ,our present car is 20 years old and 300000 miles on it . my wife always admired the gold color of the acura legend of 1991. is it feasible 5to special order this color at extra cost ? this would be awesome gift to her for our 50 th wedding anniversary ! You ...
by Presintense
Wed Jul 03, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8145

Re: Big Hospital Bill - Anyway to negociate ?

DesertDiva wrote:
Tue Jul 02, 2019 12:26 am
First, ask for an itemized bill. Ensure you aren’t being charged for services you didn’t receive.
This sounds like a good first step. If there’s the possibility of an inaccuracy I would think you would want to address it first and negotiate what’s left.
by Presintense
Wed Jul 03, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 6396

Re: Adult son has not controlled credit card overuse!

Our now adult son has, finally, become a very productive member of society. Works hard, got married, etc. However, while he finally had a few periods of being financially "wise", he keeps falling into running up the credit cards. Two or three times over the years, he got consolidation loans - paid ...
by Presintense
Mon Jul 01, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7518

Re: Healthcare Nightmare after wife's surgery

Look into who the third doctor is. Could be anesthesia, pathology, radiology, or others... Right. Just because a provider was not one of the surgeons that you knew, it does not mean that s/he didn’t provide a service to your wife. Exactly. The third doctor could even be a specialist who came into t...
by Presintense
Mon Jul 01, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 21062

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

Would you share your net worth with family members? Mainly I'm wondering about sharing personal milestones such as one's portfolio reaching one million (as an example) with your parents and siblings. How about if they ask? Would you tell them? Just looking for people's thoughts on this. Absolutely ...
by Presintense
Mon Jun 24, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16576

Re: what was your worst major purchase? mine is a 2019 mazda3

Deposits to reserve a spot at multiple physical therapy schools. The best magic trick in the world to make money disappear right before your eyes $650 at a time.
by Presintense
Mon Jun 24, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Thank you, Honda - repair story
Replies: 17
Views: 2040

Re: Thank you, Honda - repair story

My wife's 2016 Civic, now with 35,900 miles and purchased 3 years and 5 months ago, recently began not producing cold air when the air conditioner was turned on. We took it to the dealer where they diagnosed it as a bad A/C compressor, requiring a repair of $1,100+. The dealer worked with corporate...
by Presintense
Thu Jun 20, 2019 1:07 pm
Forum: Investing - Theory, News & General
Topic: Excluding International All Together?
Replies: 82
Views: 9447

Re: Excluding International All Together?

...So, I'm curious, how many of you out there have chosen to exclude international holdings all together, and if so, why? I haven't chosen to exclude international holdings so maybe I shouldn't be replying but I can tell you why I haven't (instead of why I have). In short: A) I don't care about wha...
by Presintense
Wed Jun 19, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: When is it worth complaining about work done at your home
Replies: 9
Views: 1403

Re: When is it worth complaining about work done at your home

In the last year I've had work done at my house by various vendors. Now that time has passed I've noticed small but significant mistakes. For example, I had a glass shower enclosure installed. After using it for a few months water has started leaking beneath the bottom of the enclosure, likely wher...
by Presintense
Wed Jun 19, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire in 1 year at 53
Replies: 54
Views: 9818

Re: Can I retire in 1 year at 53

Time2Quit wrote:
Wed Jun 19, 2019 8:17 am
What happened to the OP? Have not seen a response by OP.
Beuller? Bueller???
by Presintense
Tue Jun 18, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting to prepay mortgage until you can pay the whole thing off?
Replies: 28
Views: 3395

Re: Waiting to prepay mortgage until you can pay the whole thing off?

You are not taking risk into account. When you pay off a loan, you get a guaranteed rate of return. When you wait for stock market returns, there is always the risk that the gains will go away. Then you have no decrease in principal and no gains in the stock mf. Also, paying the loan earlier has a ...
by Presintense
Tue Jun 18, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39216

Re: For those who earn $500k+ per year. How'd you do that?

I chose a career where I knew I'd never make millions. It is stable with good benefits and higher than average pay. Sometimes I dream of chasing the big bucks and wonder what specific skills have lead to people earning ultra-high incomes. If you earn over $500k/year, what's your story? Commissioned...
by Presintense
Mon Jun 17, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2947

Re: Recommendation for light beer.

I am trying to keep carbs low in my diet due to slightly elevated blood sugar at last physical. Unfortunately this means avoiding beer which I really enjoy. I’ve tried a few light beers and its feels like I’m drinking seltzer water. Not much into wines. Does anyone here have a brand that has a full...
by Presintense
Sun Jun 16, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 33
Views: 3934

Re: For those who have a revenue generating website.

No, the opposite. Whether you can easily DIY depends entirely what you want to do. You could scale a blog to $10mm in revenue as a one person operation easily, but probably not a saas product. Thanks for your reply. My goal is to be a one man operation that offers consumer information from my area ...