Search found 596 matches

by clutchied
Wed Jan 16, 2019 8:05 pm
Forum: Investing - Theory, News & General
Topic: The Bogle Rule
Replies: 24
Views: 4308

Re: The Bogle Rule

Third!
by clutchied
Wed Jan 16, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 832
Views: 41724

Re: John Bogle is dead at 89

What a guy! What a life! A blessing to the average investor.

He changed my life for the better.

Thank you Mr. Bogle
by clutchied
Tue Jan 15, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 5055

Re: PG&E Bonds

VCADX was unmoved yesterday.

CA int tax exempt fund.
by clutchied
Thu Jan 10, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Types of Cotton: for undershirts
Replies: 1
Views: 242

Types of Cotton: for undershirts

Based on another thread I thought i would add some information on Cotton! I used to audit cotton gins and spent about 6.5 years in the ag industry. There are 2 main types of cotton: Long staple(pima) and short staple(acala). Acala is also known as "upland varieties" There is also another called haze...
by clutchied
Tue Jan 08, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: How did store know what exact coupons to mail me?
Replies: 23
Views: 2268

Re: How did store know what exact coupons to mail me?

I have no customer or affinity card at this grocery store and have never given them my address. I do pay with the same credit card. Yesterday I got in the mail a fistful of coupons of exactly what I bought last month at the store. Did they figure this out by tying the purchases to my CC and then lo...
by clutchied
Tue Jan 08, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20403

Re: Best town I've never heard of [for relocating]

Dayton, OH! 4 great seasons Cincinnati is 45mins; Columbus is 1 hr. Multi use paths that run from Cinci to Columbus. Parks and parks and parks Recreational rivers Accessible city Did I mention housing is cheap? Great place to raise kids and the public schools(suburb) are really fantastic (Oakwood is...
by clutchied
Tue Jan 08, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12628

Re: Recommendations for a 9mm handgun

my first popgun was a glock 19 1st gen. I still have it 16 years later.
by clutchied
Tue Jan 08, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 88
Views: 6748

Re: Child # 3 - seeking advice from older members

37 wife and 38 myself.

I wanted more kids but my wife was not onboard so we have 2. they are wonderful. I have come to terms with not having 3 but I was and am not happy about it.

All of my friends that have 3 kids; the 3rd was an accident.
by clutchied
Thu Jan 03, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: BRK.B in 2019
Replies: 16
Views: 1801

Re: BRK.B in 2019

Flobes wrote:
Thu Jan 03, 2019 1:42 am
I own my one share of BRKb to yield a 7% discount on GEICO auto insurance.
lol I did that too!

It's been a decent investment but I later found out it doesn't stack with professional discounts :(
by clutchied
Thu Jan 03, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 47
Views: 7624

Re: Christmas Bonus: Etiquette

I work for a very small company that staffs me at a major tech company. I work at the major tech company 40 hours/week and don't people at the small company very often at all. Recently I stopped in to check in with everyone and said hello to the owner. During our conversation he said he appreciates...
by clutchied
Thu Jan 03, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Time to Sell Rental Property?
Replies: 26
Views: 1651

Re: Time to Sell Rental Property?

I haven't really researched this, but prima facie I don't see the case for why anyone should buy rental property, and why anyone who has it shouldn't liquidate it ASAP. The low liquidity and lack of diversification is troubling to me. What is the positive case for going to the trouble of holding a ...
by clutchied
Wed Jan 02, 2019 1:30 am
Forum: Personal Consumer Issues
Topic: Radon Mitigation System
Replies: 20
Views: 1721

Re: Radon Mitigation System

it appears to be standard testing protocol for home sales in SW Ohio.

levels tested below 2.0 with subslab depr.
by clutchied
Sat Dec 29, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232858

Re: What is your Year 2018 networth change?

I'm up 11% this year. It's all related to contributions, debt paydown and rentals producing cash flow.

I was going to close the year about $900k but this latest market turn will probably have me under that to finish the year.
by clutchied
Wed Dec 26, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 1842

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

My daughter wants to go to grad school to become a therapist, and she's explaining to me that she has two degree options: Masters in Counseling and Masters in Social Work. We live in Massachusetts, and she wants to live and work here after graduation. She is leaning toward the Masters in Counseling...
by clutchied
Mon Dec 03, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5300

Re: Do you get a year end bonus?

I make around $140k a year and our bonuses are 18% if we hit all our metrics.

Should be around $25k this year but it's not paid out at yearend.
by clutchied
Sat Dec 01, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 2663

Re: Cancun in January

All, I will be travelling with family (kids 10 and 8 ) in Jan in Cancun for 4 nights. We are in all inclusive resort. Question I have is: 1) My flight arrives around 9 PM. What will be safest transportation to Resort? 2) Safe trip options chichen itza? 3) Should I use credit cards, Cash dollars or ...
by clutchied
Sat Dec 01, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Why did the bond market lose money this year
Replies: 39
Views: 3631

Re: Why did the bond market lose money this year

I see, thanks for explanation. Considering interest rates will only continue to rise wouldnt the total bond market just continue to fall? You don't know that interest rates will only continue to rise. No one knows that. If they did they could use that knowledge to become very rich very quickly. All...
by clutchied
Sat Dec 01, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4957

Re: Robot Vacuum Cleaner?

whodidntante wrote:
Sat Dec 01, 2018 12:13 am
A Roomba completely solves the problem of cleaning your floors, and replaces it with a problem of cleaning and maintaining you Roomba, and justifying the Roomba to anyone who visits your home.
lol that's great!

I find lots of female hair rolled up nicely that I can dispose of.
by clutchied
Thu Nov 29, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3315

Re: Winter boot recommendation

I need some boots for Chicago winters. I took advantage of REI's Cyber Monday sale to try a couple Sorels; though they were both the same size, one was way too big and the other way too small (had I not known the size, I would've guessed two sizes bigger and two or three sizes smaller than what I o...
by clutchied
Thu Nov 29, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Confused - Seems California Muni ETF is worse than National Muni ETF
Replies: 5
Views: 699

Re: Confused - Seems California Muni ETF is worse than National Muni ETF

Please understand that CA has a 50% composition to even be tax deductible at the state level. THEN you only get up to the % that the fund has in it. Muni fund has 48% CA? TAXABLE Muni fund has 65% CA? 65% is tax exempt at the state level. Please keep this in mind when looking at muni funds!
by clutchied
Thu Nov 29, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: What's your safety number?
Replies: 24
Views: 2422

Re: What's your safety number?

It's only been in the last couple of years we've been able to max out certain accounts and we've fully funded an emergency fund. This has made life much easier; at the end of the month I just sweep amounts in excess of our reserves to our investment accounts. We max 2 403b's and 1 HSA(family). the f...
by clutchied
Tue Nov 27, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4957

Re: Robot Vacuum Cleaner?

I have a Roomba upstairs and downstairs. Run them daily with 3 dogs in the house. They work like a charm. I did have one of the early ones too, and like your experience, was not happy. The new ones are great! Ditto. I love my 980, after having bought the original Roomba way back when and not having...
by clutchied
Tue Nov 27, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 2910

Re: Time to buy/lease an electric or hybrid?

really love my EV (BMW i3).

it's such a great commuter I couldn't ask for much more! currently it's just a cheap mileage mule.
by clutchied
Fri Nov 16, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any Accountants here?
Replies: 18
Views: 3291

Re: Any Accountants here?

it's the path you take to become a CPA; usually it's audit and tax. Public accounting firms do all kinds of things though. was in public for 6ish years and got my license. Now I'm at a private company as the controller. It's a sweet deal but public was rough. Long hours and not the best working cond...
by clutchied
Mon Nov 12, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2464

Re: Wanting to move my family but where to begin?

Cincinnati, Dayton & Columbus are all in big growth phases. Dayton has had a rough go of it but the schools are great and outdoor activities abound. Great place to raise kids. Cincinnati is also great and also has good schools. Columbus is kindof the jewel at this point but probably will feel more l...
by clutchied
Thu Nov 08, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 338
Views: 23554

Re: Talk me out of buying a Tesla Model 3

The US is below what 3% EV uptake? Can you imagine what it will be @ 10%? We need more infrastructure. It depends when people charge their cars. At 4 am, the grid is roughly say 40% as busy as it is at 430 pm on a summer's day. If we sit all day in the company parking lot, with a solar panel shade ...
by clutchied
Wed Nov 07, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4813

Re: Think I have found my new commuter car - 2019 Honda Insight

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is...
by clutchied
Wed Nov 07, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4813

Re: Think I have found my new commuter car - 2019 Honda Insight

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is...
by clutchied
Mon Nov 05, 2018 1:44 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4813

Re: Think I have found my new commuter car - 2019 Honda Insight

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is...
by clutchied
Thu Nov 01, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4813

Re: Think I have found my new commuter car - 2019 Honda Insight

I'm always confused when people don't look at used EV's for commuter cars. They drive like real cars. Tons of power and are actually fun. Prius type cars drive like crap... I'm shocked people are willing to tolerate them when EV's get more than double or triple the "fuel" economy. is it just new is ...
by clutchied
Thu Nov 01, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 338
Views: 23554

Re: Talk me out of buying a Tesla Model 3

Then there's the Supercharger issues as well. The two nearest Superchargers to me are notorious for being overloaded. They often have people waiting to use them after 11:00pm on a weeknight. This is what happens when you offer "free gas"... even people who pay $100K+ on a car can't turn that deal d...
by clutchied
Thu Nov 01, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 338
Views: 23554

Re: Talk me out of buying a Tesla Model 3

Indeed, and thanks for the reality check. I think I push my car philosophy because cars can be destroyed by factors over which we have no control (the elements, reckless drivers, etc). My bass guitar and my bowling ball are less susceptible to that kind of stuff. That said, you're still right about...
by clutchied
Fri Oct 26, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: RealEstate slowdown and Stocks Declining....
Replies: 9
Views: 2015

Re: RealEstate slowdown and Stocks Declining....

confirmation bias am I right?!?

I'm in a high tax state and I'm holding steady all in on my target allocation.

I might buy if we have some more dips.
by clutchied
Fri Oct 12, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 1031

Re: Electric Lawn Mower Advice

love Ego products. If I had a small lawn I'd use their mower... but I have all their other stuff, hedge, wacker, chainsaw, blower.

I hate gas fumes and hate 2 stroke even more.

I hope Ego continues their success.
by clutchied
Wed Oct 10, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3122

Re: Dayton, Ohio -- Worth Visiting?

Hey so I live in Dayton metro (burbs). 1. It's not unsafe unless you head out to west dayton (don't). Would you feel unsafe in Chicago? Only in certain parts... 6. Dayton has a very rich history but it's had a rough couple of decades. The metro is doing relatively well and like most of the country ...
by clutchied
Tue Oct 09, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3122

Re: Dayton, Ohio -- Worth Visiting?

I'm planning a road trip and considering making Dayton one of the stops. Mainly to check out all the aviation-related stuff in the area (Wright Bros., etc.). Some questions: I've heard that parts of Dayton can be sketchy/unsafe. Is this true? Which parts? We usually like to stay downtown when visit...
by clutchied
Tue Oct 09, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 338
Views: 23554

Re: Talk me out of buying a Tesla Model 3

Fellow Bogleheads, I made the mistake of test driving a Tesla Model 3 Performance this weekend. The car blew me away and now I want one. I know that to most on this forum, anything above and beyond a Corolla or a Prius is a waste of money so I'll make an appeal to those like me who like fast cars a...
by clutchied
Thu Oct 04, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Can I deduct rental losses under the $25,000 loss rule?
Replies: 1
Views: 362

Re: Can I deduct rental losses under the $25,000 loss rule?

go look at the IRS schedule E.

last time I checked if you're an active participant you can deduct up to $25,000 in losses phasing out from $100k to - $150k (fully phased out).

Since this is your personal residence it does cause some issues...
by clutchied
Thu Oct 04, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Solar Panel Installation?
Replies: 19
Views: 1535

Re: Solar Panel Installation?

As a data point for sizing:

We have a 6.73 kWh system in socal that is not super well angled but ok. It has through September produced 8.16 megawatt hours.

In CA you can undersize the systems b/c the sun hours are so high. run your own PVWatts calc though!
by clutchied
Sun Sep 16, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 18541

Re: Bay Area housing frenzy cooling

Even the 2008 event took a year + to start materializing any downward pressure. people just held tight until they were distressed and the distress built up and then more and more places ended up on the market pushing prices down as people either sat it out or weren't eligible. In So Cal, it took un...
by clutchied
Thu Sep 06, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Rent Increase or Not?
Replies: 25
Views: 2685

Re: Rent Increase or Not?

I tend not to look at it based on percentages because that's not how people perceive rent. I bought a place a couple of years ago and it was under market in all 4 units. As they've turned over I've brought them closer to market and some above market if it's nice enough. I still have 1 unit that's un...
by clutchied
Sat Sep 01, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Tesla Refund
Replies: 19
Views: 2459

Re: Tesla Refund

sddiehard wrote:
Sat Sep 01, 2018 11:09 am
I had to cancel my reservation and the refund arrived the next day. No problems.

(another) Paul
mine was super quick as well.

sounds like there's a problem.
by clutchied
Mon Aug 27, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3283

Re: How often do you change your HVAC filters?

Toons wrote:
Mon Aug 27, 2018 3:29 pm
Installer of heat pump said annually would be sufficient.
I change twice a year.
Honeywell 20x20x4

:happy
same; but we use our HVAC a lot more than OP
by clutchied
Mon Aug 27, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Odyssey Ex-L - new or certified used?
Replies: 35
Views: 2487

Re: Honda Odyssey Ex-L - new or certified used?

we have a 2012 EX-L that we enjoy(purchased new for $33k) but it's been relegated to trip duty only at this point. We have other cars as daily commuters as we only have 2 kids and have no need for such a beast. It has 60k miles and no transmission issues. They did do some warranty work for oil starv...
by clutchied
Thu Aug 23, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8839

Re: $65K Fun Daily Driver

So I'm going off of the thread I saw where he was asking for a fun $30K car. As some of you may know, I've always had two cars. A daily driver and then a toy car for the weekend. With our newborn on the way, my priorities are changing and I haven't driven my "toy car" that often and anticipate that...
by clutchied
Thu Aug 23, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8839

Re: $65K Fun Daily Driver

So I'm going off of the thread I saw where he was asking for a fun $30K car. As some of you may know, I've always had two cars. A daily driver and then a toy car for the weekend. With our newborn on the way, my priorities are changing and I haven't driven my "toy car" that often and anticipate that...
by clutchied
Tue Aug 21, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9770

Re: Landlord Nightmare

I learned a couple of lessons early on; some costly some less so... I now screen a bit more thoroughly. I don't ever engage with a single individual; meaning if they say they want the place I don't ever agree. I just say "please fill out and send me the application". I let them know I'm collecting o...
by clutchied
Tue Aug 21, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5556

Re: How much do you put away in investments?

about $55k all in which is probably about 20% of our gross.

It goes up if you include addl. principal payments to investment property or investment property returns.
by clutchied
Mon Aug 20, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 18541

Re: Bay Area housing frenzy cooling

Even the 2008 event took a year + to start materializing any downward pressure.

people just held tight until they were distressed and the distress built up and then more and more places ended up on the market pushing prices down as people either sat it out or weren't eligible.