Search found 753 matches

by ponyboy
Mon Nov 04, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 51
Views: 3660

Re: Wife's car hit in a parking lot - how to deal with various issues?

When someone hits your car always call the police and get an accident report. Get on record with a quick call that you were in an accident and requested police. Even on private property it is a good idea to call the police when in an accident. Let the police or the dispatcher decide (instead of you...
by ponyboy
Mon Nov 04, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 51
Views: 3660

Re: Wife's car hit in a parking lot - how to deal with various issues?

Do you really want the hassle of dealing with some joe nobody to pay you for repairs? Let the insurance deal with this. Sucks to be this guy. There is a reason insurance exists. Let them deal with the headache of collecting the money.
by ponyboy
Mon Nov 04, 2019 2:14 pm
Forum: Personal Investments
Topic: How much money is really needed in retirement?
Replies: 74
Views: 9099

Re: How much money is really needed in retirement?

KlangFool wrote:
Sun Nov 03, 2019 9:09 pm
OP,

Don't listen to any "pro" that claimed it is based on income. It is all about expenses.

KlangFool
this. I never understood how any financial planner or wealth manager, etc etc, would know how much someone would need to retire and live comfortably without knowing their yearly expenses.
by ponyboy
Mon Nov 04, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Paying a contractor in cash
Replies: 48
Views: 1592

Re: Paying a contractor in cash

Sorry, I should not have generalized. It's 7 payments of $9800 and three smaller payments to make up the remainder. It sounds like the contractor may be trying to avoid the 10,000 threshold on the deposit side. +1 very weird and I would decline the discount and pay by check. Its interesting...most ...
by ponyboy
Tue Oct 29, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Is it normal for a contractor to require 50% payment up front?
Replies: 52
Views: 3692

Re: Is it normal for a contractor to require 50% payment up front?

Why not ask the contractor if you can physically pay for the material with your credit card. They can place the order or write up the order for you, you can go to the physical location and pay with your own money. That way, the contractor isnt stuck with the bill. And, if he's jacking up material th...
by ponyboy
Tue Oct 15, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Inappropriate touching in a workplace- What is the best act?
Replies: 28
Views: 2245

Re: Inappropriate touching in a workplace- What is the best act?

OP never stated if the person was a male or female. OP said “she asked him” and “he didn’t mean anything bad” in the original post. You're right. Not sure how I missed that. I would also be curious in what context the person put their hands on your wife. Not saying its ever right. People shouldnt b...
by ponyboy
Tue Oct 15, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Inappropriate touching in a workplace- What is the best act?
Replies: 28
Views: 2245

Re: Inappropriate touching in a workplace- What is the best act?

OP never stated if the person was a male or female.
by ponyboy
Thu Oct 10, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Neighbor filming a TV Show
Replies: 71
Views: 3842

Re: Neighbor filming a TV Show

Like others said, talk to the director or production company...lend them your driveway but request a hotel room.

If I were your neighbor, I would do the same exact thing whether you liked it or not. Easy way to make a couple grand.
by ponyboy
Wed Oct 09, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17580

Re: What are your personal experiences with downside of early retirement?

Wow, 2 pages of replies with very few actually stating downsides to early retirement. Most just talk about their former employer. Very odd.
by ponyboy
Wed Oct 09, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2798

Re: When to put on new roof?

Word of advice, do not cheap out on a roof. You're going to have it for 30ish years. Break that down per year and roofs arent that expensive. People spend more on coffee per year than they do on their roof. I have a buddy right now as we speak who is going through a nightmare with the contractor he ...
by ponyboy
Tue Oct 08, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3345

Re: Returned first iPhone; are they all like this?

Dont feel bad. I know a dude who bought 2 of the new iphone 11's. Both had manufacturer issues with the front camera. I guess there was almost a scratch/smudge under the screen right at the camera. He swapped both out for replacements. Least apple was cool with it.
by ponyboy
Mon Oct 07, 2019 12:49 pm
Forum: Personal Investments
Topic: New investor... Am I crazy?
Replies: 42
Views: 4011

Re: New investor... Am I crazy?

I would look into the 3 fund portfolio. You're setting yourself up for a disaster.

And, what do you mean by solid returns? Past does not predict future performance. No one has a crystal ball. And, you'll spend a small fortune in expenses with those funds.
by ponyboy
Thu Oct 03, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7949

Re: Daddy I'm engaged! Pre-nup?

Like others said, its none of your business when it comes to marriage.

Not to mention, a prenup will do little to nothing. Your kids have very little net worth at the moment. ONce they're married, its 50/50 no matter what.
by ponyboy
Wed Sep 25, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panel advice & experiences
Replies: 64
Views: 2896

Re: Solar panel advice & experiences

Add in the fact I consider solar panels an eye sore and they do in fact turn off some buyers, zero chance I will ever get them. I find it odd when people say solar panels are an eye sore...especially when they're mounted on the roof. Do people consider shingles to be sexy? Or appealing. I cant reme...
by ponyboy
Wed Sep 25, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How to value RSU during salary negotiation
Replies: 36
Views: 3139

Re: How to value RSU during salary negotiation

50% travel...yikes. My wife currently does 50/50...wfh/travel. Its a whole new animal when it comes to stress. She wont be doing it for much longer. You'll run every scenario in your head on how it wont be that bad. You'll be able to still have a life at home. Let me tell ya...its not easy, physical...
by ponyboy
Thu Sep 12, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: First car accident ever, now what?
Replies: 30
Views: 2169

Re: First car accident ever, now what?

I remember my first accident...7 accidents ago, lol. None were my fault btw. Let your insurance company do the work...thats what you pay them for. Someone from Geico will be reaching out to get a statement. Its not a bid deal...im pretty much a pro at dealing with accidents by now. Last two accident...
by ponyboy
Wed Sep 11, 2019 5:42 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9785

Re: Too Late To Get Back Into Stocks?

I like how this is becoming a political thread. Going to be closed in 3....2....1....
by ponyboy
Wed Sep 11, 2019 5:01 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9785

Re: Too Late To Get Back Into Stocks?

If you cant stand the heat, get out of the kitchen. It seems like you're investing with emotions...not a good sign. Market timing rarely ends well. Best of luck to you.
by ponyboy
Wed Sep 04, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: What equipments should I have for TV installer?
Replies: 43
Views: 1930

Re: What equipments should I have for TV installer?

Is "above the fireplace" the only location you can put your beautiful new TV? My neck hurts already for you. :| Where would you put a sound bar? Where will the components sit if you add them? When sitting, your eye line should be mid-screen. Over the fireplace looks good in photos, but in reality i...
by ponyboy
Thu Aug 29, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2746

Re: Maui Honeymoon Daily Spending Budget

If all of your expenses are paid, airfare, lodging, car rental...your expenses will not be that much. You can spend around $220/day on your budget. There shouldnt be any reason why you would need to ever spend that much per day, unless you're falling into the tourist traps. Although you already book...
by ponyboy
Wed Aug 21, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: House flooding due to heavy rains, injury and landlord's response
Replies: 34
Views: 3090

Re: House flooding due to heavy rains, injury and landlord's response

I always find it odd that people would rather stay at a place that they feel unsafe at...rather than possibly breaking a lease. Let me put it a different way. If you had 2 options...option one is to jump off a cliff into a river. You may hit rocks towards the bottom and die. If you hit the water, yo...
by ponyboy
Mon Aug 19, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3520

Re: Battery powered lawn mower

When my mower runs out of fuel, takes less than 60 seconds to top off. Seems like a clear winner to me.
by ponyboy
Mon Aug 12, 2019 5:59 am
Forum: Personal Finance (Not Investing)
Topic: How should my Spouse and I handle a $300,000 Settlement?
Replies: 119
Views: 7297

Re: How should my Spouse and I handle a $300,000 Settlement?

I don’t know but you’re making big car mistakes. This is coming from somebody who is not your typical anticar Boglehead. Maybe keep the cars because you already made the mistake but definitely pay off the loans. If OP can’t fix some of the basic behavior issues, then giving advice on the windfall i...
by ponyboy
Wed Aug 07, 2019 2:14 pm
Forum: Personal Investments
Topic: 30 Years Old Portfolio and Savings Checkup
Replies: 3
Views: 321

Re: 30 Years Old Portfolio and Savings Checkup

Why not just save cash money, and pay for the car or kitchen outright? Why borrow money? Just wait an extra year or two for the kitchen. I hate to be a downer but we now live in a society where people arent willing to wait for anything. Instant satisfaction. If it were me...and it is us (wife and I ...
by ponyboy
Wed Aug 07, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: How many bids/estimates do you get for services
Replies: 36
Views: 1702

Re: How many bids/estimates do you get for services

Not sure of your age...but you could buy a good power washer and 20'+ ladder for sub $600. Then you get to keep the power washer and ladder.
by ponyboy
Wed Aug 07, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 3086

Re: which stud finder?

This is the one I use...works great. No batteries required.

https://www.amazon.com/CH-Hanson-03040- ... way&sr=8-5
by ponyboy
Mon Aug 05, 2019 1:46 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 12984

Re: Buy During This Dip?

If you have the extra coin, go for it. Its not the boglehead way and many wouldnt encourage it...but with a 5-6% drop in the past couple days...have at it.

I randomly put an order in on friday and it didnt get executed yet or whatever they call that. Guess ill be buying in the dip too.
by ponyboy
Thu Aug 01, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9507

Re: Federal Employee Burn or Sick Leave [before retirement]

At my previous job, we were given 10 sick days/year. Use or lose them, they did not carry over. You betcha I was sick 10 days a year. Im not giving them back time that is for me. Being sick is completely subjective. If I woke up any day and didnt feel great, imo I was sick, hence the reason I used s...
by ponyboy
Tue Jul 30, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Rental a Vehicle for a long vacation
Replies: 34
Views: 1836

Re: Rental a Vehicle for a long vacation

Well, I have 3 car rentals queued up. Alamo in August, Thrify in Sept, and Avis in Oct...all unlimited mileage. Guess im lucky...I should play the lottery.
by ponyboy
Tue Jul 30, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Rental a Vehicle for a long vacation
Replies: 34
Views: 1836

Re: Rental a Vehicle for a long vacation

If you do rent a car, make sure you use a discount code that gets you unlimited mileage. Many car rentals come with a mileage cap. 800 miles total or 200 miles per day, those sorts of caps. Maybe in the late 90s or early 2000s. I havent heard of any rental car that limits miles...at least since 200...
by ponyboy
Tue Jul 30, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Rental a Vehicle for a long vacation
Replies: 34
Views: 1836

Re: Rental a Vehicle for a long vacation

3 weeks is more than enough. We did our trip in less than 2 weeks. Spent 4 days in yellowstone, 1 day in tetons, 3 days in arches. Bryce isnt even a full day imo, we did a longish hike and hit the road. Monument valley, you drive through, couple hours. We could do the trip I listed in 3 weeks and no...
by ponyboy
Tue Jul 30, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Rental a Vehicle for a long vacation
Replies: 34
Views: 1836

Re: Rental a Vehicle for a long vacation

Check the pickup location airports are usually more expensive than off airport rental locations. Take a cab from the airport to the rental location if off airport. I have found even with the taxi ride the rental off airport is cheaper. Book early BUT check back at 6,4,2 and 1 week before your renta...
by ponyboy
Fri Jul 26, 2019 9:26 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 19481

Re: Laid Off - Want to Retire / Am I OK

I hope everyone realizes that "123" was trolling. Bravo to them...they kept a thread going and we all responded to you. You win.
by ponyboy
Fri Jul 26, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7346

Re: Long commute: how to manage?

Start listening to podcasts. Ditch the radio. This helps me anyway. I commute 1 hour each way, all highway with little traffic. My wife works half from home, and half in another state, which she drives to. 150 miles one way, stays in a hotel for a night or two, then drives back and finishes the week...
by ponyboy
Thu Jul 25, 2019 2:22 pm
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 19481

Re: Laid Off - Want to Retire / Am I OK

Side question...is the cost of health insurance different in each state? Insurance that you're buying on your own? What would a family typically pay? $20k/year for insurance with a high deductible? The cost can even vary from county to county! As a point of reference, the best ACA option for DW (ag...
by ponyboy
Thu Jul 25, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Way out of financial catastrophe?
Replies: 80
Views: 11369

Re: Way out of financial catastrophe?

Hindsight is 20/20...but with that sort of money...you could have tore the place down and built a new one for practically the same price you're dumping into it. I would also get a 2nd opinion. It sounds like you're being fleeced. If you get the same quote from 2nd outfit...walk away and let the bank...
by ponyboy
Thu Jul 25, 2019 8:16 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 19481

Re: Laid Off - Want to Retire / Am I OK

I'm 39 and even I would retire (or at least semi retire) with that amount! Im 36 and wife is 35...we wouldnt think about work ever again with those kinds of numbers, even at our age. Then again, our expenses are significantly lower than OP's. Side question...is the cost of health insurance differen...
by ponyboy
Thu Jul 25, 2019 8:15 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 19481

Re: Laid Off - Want to Retire / Am I OK

With $6 million in assets you could withdraw 3% a year and get $180K annually. I'd say you should be able to do it with a little belt tightening. The biggest issue with retiring early at 51 is that friends will get suspicious about how you can afford it. From my perspective when I've seen relatives...
by ponyboy
Thu Jul 25, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Sell paid off house, invest proceeds and rent
Replies: 47
Views: 3845

Re: Sell paid off house, invest proceeds and rent

Assuming 6% return? lol...I wouldnt assume anything, especially not 6% return every single year. I know a lot of people don’t think returns will be near the historical norm over the next 10 years, but it seems overly pessimistic to me. I choose to use the last 100 years as a fair baseline for my as...
by ponyboy
Wed Jul 24, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5110

Re: Accord approaching 100k miles, how to push it beyond

100,000?? Its finally broke in. Run it another 100k and report back.

2009 corolla with 178k...hoping to see mid to high 2's
by ponyboy
Wed Jul 24, 2019 11:11 am
Forum: Personal Investments
Topic: retiring at 45 with minimal expenses
Replies: 20
Views: 2876

Re: retiring at 45 with minimal expenses

I may be wrong but isnt a TSP similar to 401k? Where you cant touch the money until youre 59.5? Minus the 55t rule thing or whatever. So that means all your TSP money is tied up until your almost 60. It seems like you have an uphill battle if you want to retire at 45 and spend $2k/month. The rule t...
by ponyboy
Wed Jul 24, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: How much discount could I expect on end-of-season mowers and trimmers
Replies: 18
Views: 1466

Re: How much discount could I expect on end-of-season mowers and trimmers

I bought my stihl trimmer off craigslist. Was practically new, about half off.
by ponyboy
Wed Jul 24, 2019 7:23 am
Forum: Personal Investments
Topic: retiring at 45 with minimal expenses
Replies: 20
Views: 2876

Re: retiring at 45 with minimal expenses

I may be wrong but isnt a TSP similar to 401k? Where you cant touch the money until youre 59.5? Minus the 55t rule thing or whatever. So that means all your TSP money is tied up until your almost 60. It seems like you have an uphill battle if you want to retire at 45 and spend $2k/month.
by ponyboy
Wed Jul 24, 2019 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Bigger house?
Replies: 43
Views: 3398

Re: Bigger house?

Ugh...I would never buy a house for the sake of other people. How often are you hosting? 3 nights a week? Probably not.

You can still hire a nanny for when you're working all day. They can leave at night and you can be parents for a couple hours. You do not need a bigger house for that.
by ponyboy
Tue Jul 23, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Business loan to relative
Replies: 33
Views: 1509

Re: Business loan to relative

A cousin is asking for a 1-year loan on which he will pay high interest, to use in starting a business. He has described the business to me, and it makes sense. The promissory note is guaranteed by him personally and by a company he owns (not the new business he is starting). The company has a web ...
by ponyboy
Tue Jul 23, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Sell paid off house, invest proceeds and rent
Replies: 47
Views: 3845

Re: Sell paid off house, invest proceeds and rent

Assuming 6% return? lol...I wouldnt assume anything, especially not 6% return every single year.
by ponyboy
Tue Jul 23, 2019 11:36 am
Forum: Personal Investments
Topic: A little discouraged with earnings, is it really this slow?
Replies: 66
Views: 9750

Re: A little discouraged with earnings, is it really this slow?

Once you hit 500k, Mr. Market takes over. Keep saving though. You're light years ahead compared to most and even seniors. Great work! Yep. This year/market has been good to everyone. Jan 1 I was at around $480k...now its approx $570k. I contributed $10k...so around $80k in growth alone...and I only...
by ponyboy
Mon Jul 22, 2019 5:55 am
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3343

Re: Trip to Honolulu

Something to get you started. Kailua Beach on the Windward side of the island of Oahu, over the mountains from Honolulu/Waikiki. [url] https://i.postimg.cc/05LwnPhx/Hawaii-tropical-island-sandy-shores-and-surf-and-sky.jpg [/url Eats, nearby town of Kaneohe on Kahuhipa Street. Koa House -- open brea...