Search found 625 matches

by david99
Sun Sep 16, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12157

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Find another job with reasonable hours or retire. Your 10 million won't do you any good if get sick or die. You're not doing your family any favors by working all the time and not being around for them. You're also not doing yourself any favors by working so many hours and not having any fun or down...
by david99
Tue Sep 04, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 6003

Re: Selling a car to CarMax

I recently sold a car to CarMax. They don't haggle and their offer is good for seven days. My car had a rusted gas line and the mechanic said that it wasn't worth fixing, so I didn't want to sell it on my own.
by david99
Thu Aug 30, 2018 1:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: I just wanted to thank you all for helping me turnaround my life
Replies: 11
Views: 2806

Re: I just wanted to thank you all for helping me turnaround my life

Congratulations on turning things around. I'm sure that you can inspire other divorced people.
by david99
Thu Aug 23, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6133

Re: I saved $3,200 on a $23,500 car with minimal stress.

I also used this approach to buy a Prius Prime. I emailed 12 dealers and one dealer was $1500 cheaper than the others. The other dealers said that they could not match the price. One dealer said that it might be bait and switch because they didn't see how they could be selling it at that price. But ...
by david99
Wed Aug 22, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9639

Re: Landlord Nightmare

What you have is not a nightmare. It’s inexperience. How long have you been in the rental business? My advice is to say “We will cease all direct communication at this point. Please have your lawyer contact me directly regarding all future communication.” Let’s see if they ever follow through. I ag...
by david99
Tue Aug 21, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5127

Re: Your major and investing/finance?

Double Major in "Poverty" and "Hard Knocks" at "Blue Collar University" where many students are extremely motivated to learn and succeed no matter how hard or how long it takes. I have an engineering degree but I think that it was the school of hard knocks and investing mistakes that made me a Bogl...
by david99
Fri Aug 17, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: One more reason for Fidelity Visa
Replies: 15
Views: 3233

Re: One more reason for Fidelity Visa

Thanks for the info. I'll have to read the fine print when I get a chance.
by david99
Mon Aug 06, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9714

Re: Do We need health insurance??

Also, here's one other option to consider - with that level of net worth you can easily get Canadian citizenship. That way, you shield yourself against any catastrophic events without having to pay the premiums. I will caveat Canadian health care system is really bad and a huge downgrade for those ...
by david99
Mon Aug 06, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a real estate agent to sell a condo (MA)
Replies: 7
Views: 461

Re: Choosing a real estate agent to sell a condo (MA)

The market is so hot right now that it does not matter that much who you use. I would go with a real estate agent that had a low commission. Any licensed real estate agent can get you on the MLS.
by david99
Sat Aug 04, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73997

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I am also suspicious of Fidelity. I have Vanguard and Fidelity funds. I used to get calls from Fidelity trying to "help me with my portfolio" which I assume meant that they want to get me into their actively managed funds-- I only have index funds with them. I don't return their calls so they stoppe...
by david99
Mon Jul 30, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5527

Re: What Should I Do About A Dying Friend's Assets?

There has to be another beneficiary if the sister dies or it will go to the brother if he is still alive when the sister dies. I would encourage him to pick a favorite charity as a beneficiary once his sister dies.
by david99
Mon Jul 30, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12654

Re: Joint Ownership of home with second wife

I think that there is too much conflict and you should get some counseling or see a mediator. As others have said there are Too many red flags. If you are not planning on having a family with her, then why rush into this? Possibly you could get married at a later time when the kids are out of the ho...
by david99
Sun Jul 29, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 3111

Re: LTC strategy: make health your hobby

I think that making healthy lifestyle choices such as eating well and staying physically and mentally active may postpone the need for LTC but not avoid it. If you make it to 90 you will probably need assisted living or a nursing home. Still I would rather be healthy in my retirement years and enjoy...
by david99
Fri Jul 27, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4154

Re: Suggest an electric car: Volt? Alternative?

Consider test driving the Prius Prime. It will let you do your commute completely on electric power (I'm getting over 30 miles per charge). In city driving the electric motor has good acceleration - nothing special, but adequate? Pros: Toyota reliability, great gas milage (50+ MPG, 133 MPGe), 640 m...
by david99
Fri Jul 27, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14306

Re: Tips for staying active / injury-free into older age

IMO, your nutrition is equally if not more important than activity level. Yes - I also moved to Whole Food Plant Based .. Not 100% but a lot .. I also moved to a mostly whole food plant based diet and I think that it makes a big difference. It makes it easy to keep the weight off. I will turn sixty...
by david99
Mon Jul 23, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 8170

Re: Engineers come in.

I worked hard in my engineering classes and most of the other students that I knew did as well. I didn't know anyone that cruised through it. Some classes were harder than others but I had to study a lot for all of them.
by david99
Sat Jul 21, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: engine check light on Toyota Sienna
Replies: 8
Views: 783

Re: engine check light on Toyota Sienna

The check engine light on my Corolla went on a few years ago. So I went to Autozone and they said that it was the Mass Air Flow sensor. So I bought a spray for $10 to clean it. I saw two YouTube videos on how to clean it and in twenty minutes I was done. Autozone wanted to sell me a new MAS but I to...
by david99
Sat Jul 14, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9137

Re: Be Careful Using Mailboxes

I use the corner mailboxes every month or two. The last time I noticed the box only opened a few inches. I had a very small soft package that did not fit without forcing. Actually I assumed the mailbox was broken until I got to the next one and it also only opened only a few inches. This is new in ...
by david99
Fri Jul 13, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7789

Re: What are you learning or studying?

1. Cooking/ healthy eating
2. Spanish
3. Strength training
by david99
Fri Jul 13, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18508

Re: COMING SOON: BOGLEHEADS PODCASTS

I vote for: Bogleheads Investing Podcast
by david99
Fri Jul 13, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 6149

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

It is true that it might violate local laws in terms of the number of people allowed to live in a two bedroom apartment. In a local college town there was a fire in a house with too many college kids living there and one of the students died in the fire. I would imagine that the landlord is in big t...
by david99
Fri Jul 13, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2296

Re: Replace water heater at end of warranty or repair?

Look into a stainless steel hot water heater. You can get a lifetime warranty.
by david99
Mon Jul 02, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10367

Re: What’s your plan for a market downturn?

Rebalance, stay the course, and have some fun.
by david99
Sat Jun 23, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3629

Re: Am I wasting money on my old car?

I had a 2000 Toyota Corolla that I recently sold to CarMax. The gas line started to rust out and leak gas. The mechanic said that it wasn't worth fixing and also the brake lines were very rusty. The car ran very well and only had 98k miles, but I decided to sell it and get a new car. I suppose that ...
by david99
Fri Jun 01, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 9220

Re: is Having more and needing less normal?

As I get close to 60, I find that I need the gym membership more than ever. But I agree that I don't need a lot of the stuff that I've accumulated over the years. I think that needing less is normal as we get older.
by david99
Sun May 20, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 9213

Re: Golden Handcuffs

How difficult would it be to return to your current employer if you left? If you are confident that they would take you back when they have an opening, then try another company and get it out of your system.
by david99
Sat May 12, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 3000

Re: Happy 89th birthday to [Jack] Bogle

Happy birthday Mr. Bogle. Thanks for all that you've done for us.
by david99
Sat May 12, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 26
Views: 2412

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Look at the Prius Prime. Because it is part electric, it qualifies for a $4500 Federal tax credit and in my state it is eligible for a $1500 rebate. In addition, Toyota was offering an incentive. I bought one a few months ago and it came out to less than $18,000 with the tax incentives---- that's th...
by david99
Sun May 06, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: New Car Purchase
Replies: 11
Views: 1821

Re: New Car Purchase

I would just negotiate via email for an out the door price.
by david99
Wed May 02, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11855

Re: Have you quit eating sugar? Tell me how!

I agree about the moderation part. Sugar is not an issue for me, but Pizza is. I can't just eat two slices and walk away, it turns me into this eating machine. No other food does that to me. Having said that I'm currently reading the Starch Solution by Dr. McDougal and he claims that sugar is not t...
by david99
Sun Apr 29, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 1123

Re: Did you rent car in Spain?

I've been to Spain a few times and never rented a car. I just took busses or trains. You do need to know some Spanish to interact with folks at the train station or bus terminal.
by david99
Sat Apr 21, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 36
Views: 4186

Re: Negotiating for a new Toyota.[my fault comparing apples and oranges]

I bought a Prius prime about two months ago. I emailed twelve dealers and four came back with an out the door price. One dealer was $1500 cheaper than the rest and the others could not beat his price or even match it. So I recommend emailing many dealers in your area.
by david99
Fri Mar 30, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 8670

Re: Vanguard in the WSJ today

Thanks for sharing. I was considering moving my ira from Vanguard to Fidelity. Now I have to wonder if they will mangle the transaction... :shock: I just did a rollover of a 401k with TIAA to an IRA with Vanguard, and the process was easy and fast. I also did a rollover last year and it went very w...
by david99
Sun Mar 25, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5725

Re: Big time home inspection issues

You shouldn't just look at the amount of money that needs to be put into this house but also the time. Even with a contractor managing the job you will be at the house all the time. My sister bought a house like this and they have been working on it for years. Fortunately her husband is retired and ...
by david99
Fri Mar 02, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 4141

Re: New vehicle research

I just bought a Prius Prime Plus. Toyota had a 3000 discount and there is a Federal tax credit of 4500 and in MA a state rebate of 1500 plus I got a dealer discount ---- so altogether it comes out to under 18k out the door. The Prime Plus is the base model but it comes with heated seats, navigation,...
by david99
Fri Mar 02, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 51
Views: 4899

Re: used Prius

What about the 2017 plug-in hybrid, Prius Prime? Buy one in the northeast (NY, NJ) and get $4000 from Toyota, another $1000 or so from the dealer, $4502 from the Feds, and perhaps your State has an incentive (like the $5000 I'm getting from CO after having bought one in NY). New car at a used price...
by david99
Thu Feb 22, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 8024

Re: Staying Motivated: How do you ward off hopelessness?

Only worry about the things you can change such as getting a better job, going back to school or saving more money. Also keep in mind that life isn't just about money --- it is about health, friends, family, hobbies, etc.... These are all things you can also improve to have better quality of life. M...
by david99
Thu Jan 11, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3672

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

I have most of our money at Schwab and Fidelity. I'm a DIY investor, never receive calls to push me into anything. Advisors are there if I choose, but they seem to be fine leaving me alone. I have some of my portfolio at Fidelity and I get calls from them wanting to review my investments. I just ig...
by david99
Sat Jan 06, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47154

Re: What frugal thing did you do today?

I purchased an Instant Pot on Amazon after reading the Instant Pot thread on Bogelheads. I used my Amazon Prime Card and saved 5%, plus I saved $10 by signing up for the automatic reloading of my gift card. So , I did spend money but got a $15 discount. You'll save money using the Instant Pot since...
by david99
Sat Jan 06, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship milestone: Thank You Bogleheads!
Replies: 13
Views: 2863

Re: Flagship milestone: Thank You Bogleheads!

Congratulations. Great accomplishment ---- the first million are the hardest.
by david99
Sun Dec 31, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 26731

Re: TurboTax Prices

I also purchased the deluxe version at Costco for $40.
by david99
Fri Dec 29, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 14453

Re: Another should i buy my dream porsche thread...

I just went through 2 years of the same machinations and bought a brand new 2017 C4S in October (1 month before my 40th birthday). My advice, buy the car, enjoy it and sell it if/when you're no longer excited about it. Sure you'll lose some money, but why do you earn it if not to enjoy it responsib...
by david99
Fri Dec 29, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 68
Views: 14872

Re: This is Unbelievable - another Vanguard customer support odyssey

I transferred a 403b to a TIRA at Vanguard this year and I didn't have any problems. I didn't do anything complicated ----- I just transferred the entire amount to one fund.
by david99
Fri Dec 29, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5418

Re: A Year of Extreme Frugality

But, I never tried to save by eating what I would consider an unhealthy diet. Healthy food is the last thing I'd give up. Excellent point. It's worth repeating even if it's obvious. Victoria I also would not be frugal when it comes to healthy food. Eating unhealthy food can cost you a lot more mone...
by david99
Thu Dec 28, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Frozen credit and TMobile
Replies: 5
Views: 572

Re: Frozen credit and TMobile

TMobile said that they use Transunion for me. I would call them again and see if you get another person that speaks better English.
by david99
Thu Dec 28, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 104
Views: 13576

Re: Any Instant Pot users here?

I got an Instant Pot during Black Friday. It's easy to use and as others have pointed out, you can set it and forget it ----- put all the ingredients in, set the pressure and timer and do something else while it cooks. You can also saute in the pressure cooker and then put in the rest of the ingredi...
by david99
Mon Dec 25, 2017 10:04 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 10027

Re: My Christmas Present to You

Merry Christmas, Taylor
by david99
Mon Dec 25, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 65
Views: 11921

Re: Do any of you follow Bob Brinker?

I would avoid all of the broadcast gurus. As nearly as I can tell, they are all the same in several regards: 1) They spout off what can only be called a mixture of fact and personal opinion--admittedly it's hard to distinguish those in investing--but, unfortunately, their broadcast persona is that ...
by david99
Fri Dec 22, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: How I got to $1.5MM
Replies: 42
Views: 8062

Re: How I got to $1.5MM

Thanks for sharing your story with us --- a lot of lessons to be learned from it.