Search found 197 matches

by SleepKing
Thu Mar 23, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: home buying negotiation tips
Replies: 8
Views: 533

Re: home buying negotiation tips

We were in a month to month rental. Thus could offer buyer 'move whenever you want' to help their logistics after the sale and closing date etc.
by SleepKing
Tue Feb 28, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 4931

Re: Don't pay full price for cable TV

Our experience with TWC/Spectrum has been similar. The end game is when the initial deal ends and your price jumps up, they put you in a similar priced package for a year with the selling point of 'extra services for the same price'... but at the end of the year THAT will jump to a higher price than...
by SleepKing
Mon Feb 20, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1334

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Seems like their terminology is old. Sonons has a connect and connect amp that serve to tie in wired speakers to their wireless sonos network they will create. Also, whY are they selling you an $700 amp and the sonos connect amp to power the wired speakers? Maybe they havent explained it in detail t...
by SleepKing
Sat Feb 18, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale
Replies: 37
Views: 4672

Re: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale

Interesting. I'm either a late Gen X or early Millennial depending on how it's defined, but I wonder how my generation will end up in middle age. Overpaying for college seems to be a major problem for many in my generation, but I admit that might just be anecdotal. It also reflects my own biases. L...
by SleepKing
Fri Feb 17, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3921

Re: Vanguard Web Site Down?

Also not able to access it. No notification of technical difficulties on their homepage.
by SleepKing
Tue Feb 14, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Currently an Edward Jones client and need some advice
Replies: 32
Views: 2290

Re: Currently an Edward Jones client and need some advice

Vanguard or fidelity are good brokerages to look into. They will walk you through and get you out of that disaster. Wont even have to call your advisor to break up. Lesson learned early on. Congrats on joing bogleheads.
by SleepKing
Tue Feb 14, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5828

Re: Closed my Roth IRA due to political uncertainty - mistake???

My question is, did I make a big blunder? Am I being overly cautious? Yes. Yes. I say this very objectively; it appears you did not fully evaluate your decision (i.e. why not change to total bond, CDs, money market, etc.,etc..)? Perhaps you should develop a full financial plan prior to getting back...
by SleepKing
Mon Feb 13, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Custom House - Wait for a Recession?
Replies: 10
Views: 1494

Re: Custom House - Wait for a Recession?

Don't time the market. You could be waiting 10 weeks, 10 months, or 10 years.

Also, if you are that nervous, perhaps buying a used home in a well established neighborhood would give you some peace. You could research the historical trend during the great recession.
by SleepKing
Thu Feb 09, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8881

Re: Saved too much? What do you splurge on?

Im not in my 70s or 80s, but have family that are. While not as financially gifted, i would like to share their perspectives in now various forms of slow/quick declining health. -legacy to family and charities they hold dear. Perhaps providing gifts for education, first cars , establishing endowd po...
by SleepKing
Sat Feb 04, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2903

Re: Car wash best practices in cold climates?

Perhaps this is helpful:
http://www.dmv.org/how-to-guides/road-salt.php

Personally, i have lived in cold climate with salt and 5 season snow my whole life. Never regularly cleaned the underside....will just get resalted a few days later. Never had rust problems on our vehicles that we were told of.
by SleepKing
Sat Feb 04, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Please Help with 25 Year Old Daughter-In-Law.
Replies: 36
Views: 5705

Re: Please Help with 25 Year Old Daughter-In-Law.

I feel the best solution is as others have stated: -She is 25 with many good earning years ahead of her. Help her advance her current job to something better. She will be better able to provide for herself and the grandkids. Becoming a LPN or RN is a great first step. Perhaps you could offer to assi...
by SleepKing
Tue Jan 31, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 2967

Re: How to save money on a minivan?

I have not met a family that regretted purchasing a honda or toyota van. We have sienna and love it. Have met many people who swear off dodge-chrylser..but we have a good friend who really likes theirs. So variable on the domestic side. Had to laugh at people commenting on appearance of mini vans. I...
by SleepKing
Tue Jan 31, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 8091

Re: Is joining a country club a character flaw?

Let's attempt to analyze this with estimated costs I've looked at and assembled. Say, we are debating about joining a CC vs. installing your own pool for enjoyment and are otherwise on a financially responsible track and thus can afford either option. There are no nice, public, outdoor facilities wi...
by SleepKing
Sat Jan 28, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3907

Re: Input on Apple Watch-Buy or Not?

We have passed on the watch. Lots of our friends have it, some really like, most are indifferent. We were told if you use it for fitness then give it a go, pretty solid health stuff. Otherwise, mostly redundant tech and apps with iphone. Personally, I enjoy a 'regular' mechanical watch for time and ...
by SleepKing
Sun Jan 15, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Washing Machines
Replies: 12
Views: 1141

Re: Washing Machines

We have LG 'mega load' HE top loading washer and love it. Might be a bit too much capacity for your needs. I'd check out smaller models. A leading consumer agency rated Whirlpool Cabrio Platinum, Samsung aqua jet, and LG mega load as recommended buys a while back when we were looking. Had an applian...
by SleepKing
Sun Jan 01, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have only muni bonds and no taxable bonds?
Replies: 15
Views: 1756

Re: Is it ok to have only muni bonds and no taxable bonds?

It sounds like you are only asking about taxable accounts. Like others have implied, the answer depends: -If you have absolutely no other bond holdings, such as shorter term federal bond fund in a tax advantaged account, then too risky. I'd consider a split of Van CA Muni and Federal tax exempt (or ...
by SleepKing
Fri Dec 30, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6695

Re: Affordable home exercise

https://ddpyoga.com

Nice program that I've used for a while.
by SleepKing
Tue Dec 27, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 11383

Re: At what age, income, and NW would you buy a $50k car?

If you are hypothetically saying the buyer has:

-$2 million net worth
-No additional debt (assumption)
-stable income approaching mid-six figures
-desire to treat themselves to a luxury car

Sure. Go for it if that's your thing. You can get a real nice F-150 truck or 4-Runner for that!
by SleepKing
Tue Dec 27, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2159

Re: Cutting Trees in the Back Yard

Agree with above. Go with the insured professional.

It might be worth getting a few quotes. If you are in a northern climate, many companies offer winter rates too.

Best,
Sleepy
by SleepKing
Thu Dec 15, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Warm winter jacket for tall folks who are cheap?
Replies: 32
Views: 2423

Re: Warm winter jacket for tall folks who are cheap?

Here is my advise from one tall person to another. I have bought a wide array of quality and brands over the years. -LL bean or eddie bauer tall sizes are best. If you want a quality tall size, these are your best options. -expect it to last 5 years with heavy wear, longer with more gentle use. -act...
by SleepKing
Thu Dec 15, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7895

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

The OP must be referring to the AWD Toyota Sienna. We've had both the AWD and FWD. When the 2011 FWD was totaled we replaced it with an AWD 2013. We have loved our Siennas but would not buy the AWD again. Little did we know that this model chews up tires. Research after the fact has proven we are n...
by SleepKing
Wed Dec 07, 2016 7:45 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 4536

Re: Should I fill out survey evaluation of my boss?

Nothing is anonymous. Never believe it will be. At my place my boss and other department heads or more senior leadership can selected 3 (i believe) and upper admin 'randomly chooses 3 peers', for a total of 6 "anonymous and de-identified reviews". Only glowing things have been communicated...
by SleepKing
Fri Nov 11, 2016 5:52 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 12363

Re: Anybody regretting holding on to your REITS?

Ask me the same question in 35 years. For now i will continue reinvesting dividends in vanguard reit fund. Will evaluate next july if i need to rebalance from other funds. Only holding in tax advantaged.

Stay the course.

Best,
Sleepy
by SleepKing
Sun Nov 06, 2016 7:48 am
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 4869

Re: Gaming system for kids?

Dear Op, We are in a similar situation with similar concerns raised by the board. I currently play the old Wii system with him:wii sports, mariokart, guitar hero, and some trivia/strategy games are all we allow. Only as a special treat a couple of nights a week after homework and chores are complete...
by SleepKing
Sat Oct 22, 2016 7:35 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 6707

Re: Cheapskate for not flying business class?

Sir,

If you both can physically and emotionally tolerate coach, stay there. If your DW really wants you to upgrade and she rides you about it, then go for it. Nothing wrong with spending or saving based on the value you perceive.

And tell everyone who criticizes you to bugger off!

Best,
Sleepy
by SleepKing
Sun Oct 16, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Life Insurance Should we Buy?
Replies: 5
Views: 689

Re: How Much Life Insurance Should we Buy?

One thought some people do is a 'Term ladder'. For example: 30 year policy at 500k 20 year policy at 750k 15 year policy at 1 mil 10 year policy at 1mil They do this ASSUMING, they will pay down non-forgivable upon death debts and be able to accumulate their desired amount of monies in retirement, t...
by SleepKing
Sun Oct 09, 2016 7:20 am
Forum: Personal Consumer Issues
Topic: Is there a decent toaster out there?
Replies: 41
Views: 2858

Re: Is there a decent toaster out there?

My wife says 'no'. She's been thought a bunch, high end and low end. Best one she's seen is her mom's from the 1970s.

Disposable product, like all small appliances are now adays!
by SleepKing
Sat Oct 08, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Physician in need of help
Replies: 26
Views: 3103

Re: Physician in need of help

At your income level, I don't recommend doing a backdoor Roth. Sawhorse, can you please discuss why a backdoor is not recommended at a high income level? I was under the impression the backdoor provided an opportunity for high income earners to get funds into the Roth vehicle. Perhaps you are refer...
by SleepKing
Wed Oct 05, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Advice on woodpecker damage to wood siding
Replies: 15
Views: 1023

Re: Advice on woodpecker damage to wood siding

We had this problem. Pellet guns are an option, though I found the birds scare easy and could never get within range to fire. I put 3M clips on our cedar siding and hung windsocks. This worked. Had the socks up for 2 years and finally took them down this summer. Some websites I read suggested puttin...
by SleepKing
Tue Sep 27, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Best way to manage irrevocable trust?
Replies: 92
Views: 5629

Re: Best way to manage irrevocable trust?

Thank you bostondan for the timely and interesting topic. We too, are going through a trust planning phase with relatives and hope you and other Bogleheads could answer a couple questions you might have come across: 1) When setting up a trust (we plan to use Vanguard to invest), does there also need...
by SleepKing
Sat Sep 24, 2016 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 2922

Re: Prepay Mortgage: Does the length of time you live in the home matter?

We are in a similar situation. Of our 'extra' monies to invest each month, we put 2/3 towards mortgage and 1/3 to taxable account. Also big reason is we want to reduce/pay off mortgage debt in accelerated manner, just makes us sleep better.

Best,
Sleepy
by SleepKing
Mon Sep 19, 2016 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on mortgage principal prepayment
Replies: 16
Views: 2189

Re: Need advice on mortgage principal prepayment

Hard to give firm advice without more detailed information.

However, I will mention that while at present you have no kids, if your family grows in the future, you are very likely to move homes.
by SleepKing
Mon Aug 08, 2016 7:43 am
Forum: Investing - Help with Personal Investments
Topic: New Physician Loan/Investing Advice
Replies: 16
Views: 1716

Re: New Physician Loan/Investing Advice

I agree with the other board posts: -Max retirement first -Pay off your debt. You are well aware how fortunate to have such a small amount of debt compared to most of your colleagues, good work! -then save for house, etc..., taxable investing account NEVER underestimate the psychologic relief of bei...
by SleepKing
Fri Aug 05, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 7332

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

Awesome thread everyone! I'm approaching this same decision within the year and love everyone's thoughts on non-ginormous SUVs: -4 runner -Jeep grand cherokee -highlander -pilot -explorer I agree that the pilot has everything going for it EXCEPT its re-design is not stylish at all. It turns us off s...
by SleepKing
Wed Jul 27, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: Side Sleeper Seeking a New Bed Pillow
Replies: 10
Views: 1128

Re: Side Sleeper Seeking a New Bed Pillow

DW and i love our tempurpedic pillows. They make position specific pillows. Not cheap, but we love them.
by SleepKing
Sun Jul 24, 2016 6:38 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 4056

Re: 20% In REITS?

We have ~12% reit at present. Personally, 20% too much for me. Id argue your home is not the only real estate investment you need in a diversified financial plan. Id also argue your home is not an investment, rather a consumer product. But thats just me. Tune out the noise. Bonds are too high, stock...
by SleepKing
Sat Jul 16, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Contractor tipping: owner vs onsite supervisor
Replies: 24
Views: 1511

Re: Contractor tipping: owner vs onsite supervisor

I have never tipped a contractor or crew for appraised work at full cost. As many say, positive reviews, recommendations, and offer to be a contact for referral/inquiries is enough. If I get to know the lead or the work crew I will offer lunch or refreshments appropriately. I have asked the lead or ...
by SleepKing
Fri Jul 08, 2016 7:22 am
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 3397

Re: A nice wrist watch under $1500

For that price I would get a Citizen or Seiko (grand seiko's are phenomenal and if they were 'swiss made' would sell for twice the price). Realize in your price range (<$3000), you are going to get a piece of costume jewelry with a quartz or some generic ETA-ish movement that is mass produced. The r...
by SleepKing
Sat Jul 02, 2016 8:46 am
Forum: Investing - Theory, News & General
Topic: A look at REITs, and a new study
Replies: 52
Views: 5104

Re: A look at REITs, and a new study

asif408 Re actionable advice First, it should help those who are subject to recency to avoid getting caught up in that phenomenon. Second, for those who might be thinking about NOT rebalancing because of the recent strong returns, this is reminder that they at very least should stick to their AA pl...
by SleepKing
Wed Jun 22, 2016 5:31 am
Forum: Personal Consumer Issues
Topic: Anyone else have problems with appliances from Home Depot?
Replies: 29
Views: 2815

Re: Anyone else have problems with appliances from Home Depot?

We have replaced and purchased multiple appliances from numerous stores between a few home moves over the past 5 years: HD, Lowes, hhgregg, ajmadison, best buy, etc... Every salesperson i spoke with and many reviews comment that modern appliances aren't meant to last, they are disposable goods. With...
by SleepKing
Sun Jun 19, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 13444

Re: IWC Watch, any thoughts?

Corn18, The watch you have selected is fantastic. IWC is a very reputable brand. Portugieser is a beautiful model. For that price it must be in house movement. Regarding grey market, explore this fully. Im sure you know many AD and retailers must make quotas and often sell to third party/grey market...
by SleepKing
Sun Jun 12, 2016 6:56 am
Forum: Personal Consumer Issues
Topic: How many activities for your kids?
Replies: 70
Views: 6180

Re: How many activities for your kids?

This is a very hot topic amongst many families I know, and I have found there are a few polarizing schools of thought: 1) You are a SPECIALIZER and have your child in very limited activities (i.e. soccer and dace; just baseball, etc) but you do this ALL YEAR ROUND. I know a family that has their dau...
by SleepKing
Sat Jun 11, 2016 6:51 am
Forum: Personal Consumer Issues
Topic: Credit card for college-aged daughter
Replies: 36
Views: 2464

Re: Credit card for college-aged daughter

Certain financial institutions offer student credit cards. Check with your local credit union too. If you cosign or not, set a low credit limit <2k and have your child educate themselves on what builds and destroys credit. Good learning opportunity.
by SleepKing
Fri Jun 10, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 3673

Re: 3 Row SUVs - Help Educate Me

Like others stated, mid-size SUVs are trunk space or 3rd row, you cannot have both at same time. In that class Acura MDX and Infiniti QX 60 come to mind. Toyota Highlander or Honda Pilot in non-luxury. Chevy Traverse and Buick Enclave for domestic. I hate to say it, but your wish list is fairly stri...
by SleepKing
Thu Jun 09, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: anyone got used to reading very technical/academic papers online?
Replies: 22
Views: 1989

Re: anyone got used to reading very technical/academic papers online?

I print everything on paper. Have a bunch of binders from old projects in the office. I make too many notes, highlights, etc... I could never get the hang of doing this electronically and would waste alot of time trying to figure it out.
by SleepKing
Wed May 25, 2016 5:44 am
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 29
Views: 2729

Re: Listening to tunes while exercising

Neither me or DW use buds/headphones while working out. Too sweaty and uncomfortable. If at home, we listen via sonos system in exercise room. If outside I enjoy nature/quiet for a change. Don't go to gyms anymore, but when we did just listened to whatever was on or talked to people between sets. Sl...
by SleepKing
Tue May 24, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 5671

Re: Need Moral Support for FA Breakup!

Good job. Remember, this is a BUSINESS DECISION....not a friendship decision. If your FA can't separate the two, not your problem.

best,
Sleepy
by SleepKing
Tue May 10, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 5445

Re: Noise Reduction

I would move. I had an apartment(s) that were road noise catastrophes years ago. It was so bad my dad and i bought insulation and tried packing all the exterior windows to cut down the nosie transmission. Alas, I slept with ear plugs most nights....rainy days/nights the worst....snow was a miracle t...
by SleepKing
Mon May 09, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Wine Buying, Rating, Storage Guides and Apps
Replies: 26
Views: 2211

Re: Wine Buying, Rating, Storage Guides and Apps

Very informative and entertaining discussion! Thank you all!
by SleepKing
Sun May 08, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Wine Buying, Rating, Storage Guides and Apps
Replies: 26
Views: 2211

Wine Buying, Rating, Storage Guides and Apps

Dear Bogleheads, I performed a topic search and have not found anything recent, I believe, on this subject. Hoping to get your input on the following: 1) What is your preferred source(s) for wine rating and buying guides? I am thinking about erobertparker.com, but would like to hear others experienc...

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