Search found 238 matches

by SleepKing
Sat Feb 04, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 4469

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: 6886

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: 4410

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: 10965

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: 5588

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: 1869

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: 2267

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: 100
Views: 10838

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: 14846

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: 3051

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: 3448

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: 12366

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: 6074

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 myself...
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: 15129

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: 6449

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: 8800

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: 982

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: 4499

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: 27
Views: 4418

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: 1444

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: 8438

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: 3401

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: 2506

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: 2251

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: 15001

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: 1728

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: 65
Views: 8555

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: 1981

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: 5058

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: 5995

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: 36
Views: 8698

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: 190
Views: 22607

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: 8564

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: 3444

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: 4927

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: 2379

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: 3334

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: 6557

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: 6778

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: 2565

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: 2565

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...
by SleepKing
Sun May 01, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Giving our child a "student loan" vs them taking an Unsubsidized Stafford loan
Replies: 44
Views: 4782

Re: Giving our child a "student loan" vs them taking an Unsubsidized Stafford loan

Dear CT-Scott, PRO: Not sure if your daughter's potential college/summer earning level would provide opportunity for tax deduction of student interest. But that could get complex if you claim her as dependent, etc....so likely a quick email to your accountant would clarify. CON: You would be your da...
by SleepKing
Mon Apr 25, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: PhD gift ideas
Replies: 17
Views: 1574

Re: PhD gift ideas

wooden-academic chair from the awarding institution

check out collegechair.com for examples

may institutions have their own vendor relationships for discounts.
by SleepKing
Sun Apr 24, 2016 7:32 am
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 8715

Re: Thinking about Mac (vs Windows)

I'm sure the responses will roll in, but here goes: 1. Yes, works great. 2. If you want the extra protection, many great options and solutions ideas from MAC forums online. Decide what level of protection you need/desire and go for it. 3. Yes.Easy to use. As above, any questions search in MAC forum ...
by SleepKing
Sat Apr 23, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 7579

Re: Physician Specialists Looking for career advice

Great thread and valueable advice. Personally, i have seen and expect the smaller, physician groups and practices to be gobbled up to the point of extinction in the next 10-15 years. Employment will either be corporate management company, health system or hospital, or academic center. To your questi...
by SleepKing
Fri Apr 22, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Achieving appropriate AA when limited to S&P index fund in 401K
Replies: 8
Views: 936

Re: Achieving appropriate AA when limited to S&P index fund in 401K

Dear blindpig, I had my company 403b recently withdraw Vanguard Tot Stk and replace with Vanguard 500 fund. Initially, I was very dismayed, as I had Tot Stk as my core fund across all accounts. However, with the help of this board, I realized that "the enemy of good is better". The 500 fund is more ...
by SleepKing
Tue Apr 19, 2016 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 5591

Re: Medical School preparation Pointers for a Sophomore Student

For the hard numbers your child should look at the admission pages at regional schools to get a feel for the incoming class numbers and demographics. Many schools have very detailed information. She can complie a spreadsheet with numbers,demographics, in state/out state admissions, costs, etc... Id ...
by SleepKing
Sun Apr 17, 2016 6:32 am
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 7575

Re: HELP! HR Doesn't Believe in Index Funds for 401k

Another approach i dont believe was mentioned would be to nicely ask for some target dated funds to be included. That way you could possibly hit 3-4 birds with one stone. These are popular, well established options, and usually include low cost underlying index funds. Points could be made for simpli...
by SleepKing
Thu Apr 14, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor Needs Help with Portfolio
Replies: 3
Views: 659

Re: Newbie Investor Needs Help with Portfolio

Hi uclalee and welcome. I'd use you Backdoor Roth for your REIT (VGSIX) desire and add contributions annually to your determined REIT tilt/allocation. Subsequently fill it with low cost vanguard bond fund (since new 401k has high expense bond funds). I am a fan of using your ROTH for your least tax ...
by SleepKing
Thu Apr 14, 2016 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Bought the wrong fund, what to do.
Replies: 12
Views: 1747

Re: Bought the wrong fund, what to do.

I'd leave it alone. Chances are you will have the opportunity to tax lost harvest and buy into the small-value fund at some point during your investing lifetime.

Sleepy