Bogleheads.org

h82goslw

More anecdotal evidence for you.....we have 3 kids (wife wanted a 4th and I shot that down). Had a Honda Odyssey for 7 years and it was great. Many family trips with PLENTY of room and no need for roof top carrier. Then I HAD to have a Nissan Armada. Bought a one year old off eBay and flew to anothe...

h82goslw

dsmil wrote: ↑Thu Mar 18, 2021 2:36 pm
2) A ticket to see Bruce Springsteen and the E Street Band when I wasn't a huge fan (yet)

Interesting....after being a tangential fan for decades I had the opportunity to see him 3 years ago....far and away the best concert I’ve ever seen. Crowd surfing at his age? Just amazing

h82goslw

rage_phish wrote: ↑Wed Mar 17, 2021 9:52 am
Bout time these lids starting having some ROI

Best post of the day

h82goslw

Every once in a while my faith in humanity is restored regardless of what I read on the internet. Glad to hear the sale went well.

h82goslw

Like Hudson I’ve been using direct pay without any problems but signed up for eftps recently since so many here use it. What’s the difference between the two and is one better than the other?
And my apologies for hijacking the thread

h82goslw

Agree with those who say an SUV does not provide more room. I went from a Honda Odyssey to a Nissan Armada...way more stuff can fit into the minivan and the overall size of the Armada felt like it was 2X. Add to that the Armada could only seat 7 and the van held 8 people. Of course I can tow 10,000 ...

h82goslw

Hi. Not sure if this is what you mean by "seasoning", but you should heat the pan after washing, to eliminate all moisture, and rub it with cooking oil. Some people only do the inside, but if you ask me, why not just do the outside also to make it uniform. Yes, there will always be some b...

h82goslw

Call me cynical, but my logic is if financial advisors can beat the market shouldn’t they just borrow as much money as they can and just focus on their own portfolio and watch it grow vs. trying to help others make money..... :o This! This is what I would ask EVERY “advisor” and everyone who advert...

h82goslw

Your car could still be throwing codes, but not one severe enough to cause a check engine light. Might want to go to autozone or some place with a scanner and see if there are any codes in history that could help you.

h82goslw

I like the Clark Howard financial rule of "Never borrow more for a four-year degree than the entry-level salary you expect to earn your first year after receiving that degree." How does he calculate this? Say my kid wants a BS in biology....how would I know what kind of job that will lead...

h82goslw

I like the Clark Howard financial rule of "Never borrow more for a four-year degree than the entry-level salary you expect to earn your first year after receiving that degree." How does he calculate this? Say my kid wants a BS in biology....how would I know what kind of job that will lead...

h82goslw

Build the garage, it’s worth it. Only place I disagree with others here is the price quote. To me it sounds cheap, especially for a HCOL area.

h82goslw

You’re right....it would be foolish. The safest thing you can do is park it in some credit union account earning minuscule interest, that way you’ll lose nothing when it’s time to build.

h82goslw

We built a house 18 years ago. First house on the street in phase 3. Made substantial changes to one of the offered floor plans and had to pay some extra money for architect to “redraw” something. Our house became one of the builders models. Of course we didn’t get any money back for that. Was it st...

h82goslw

[Response to OT comment removed by admin LadyGeek] To OP, your dogs will definitely be demoted once the baby is born. And it will be the most wonderful thing ever as having a child, or 3, is amazing, so don’t feel bad about saying that. RAV 4 seems a bit small for car seat, and the baggage required...

h82goslw

Seems like this topic is Off Topic for political reasons. That said, I worked for a large toll collection agency and the miss-information in this thread is rampant. If anyone is really interested, all of these transit tolling agencys are fully transparent, including your right to attend and speak a...

h82goslw

Rarely does a day go by that I don’t learn something new here. That’s enough to keep me coming back.

h82goslw

Just got my renewal notice. My policy went up 30% and my umbrella also went up 30%. I had not thought about lowering individual lines of coverage....I had always assumed those don’t move the needle too much and that my best option was to just call around to different carriers.

h82goslw

Does TV Commercials, Online Ads and Telemarketing Affect Your Consumption Choices? There is no way that anyone including you can answer this question with any degree of certainty. You have absolutely no idea what truly goes into your ultimate conscious and subconscious decision making processes. Yo...

h82goslw

I bought a Dyson V8 cordless 3 months ago and absolutely love it. I have an 85 pound retriever who sheds A LOT so I’m vacuuming at least 3-4 times a week. Came with hardwood floor attachment and multiple other attachments for every surface. Definitely recommend.

h82goslw

I've used Delta on a couple of projects and was quite pleased. Their "lifetime" warranty worked out well. The cartridge on our shower failed and they sent a new one no questions asked. Their phone support is also good if you run into problems. Delta has a lifetime warranty? I just spent $...

h82goslw

This is done all the time by professional preparers. Rather than have a client wait for a refund and still need to pay a first quarter estimated payment, the refund is applied to the first quarter estimated payment and if there is still an excess, to the June 15th payment and so forth. Much easier ...

h82goslw

You want to make an investment in a car? Buy a Fox body Mustang LX/GT 5.0....they're starting to go up in value like crazy.

h82goslw

Cool. Finally a topic I know a lot about. I bought a '73 911S for $12.5K in 1986 and it subsequently sold on Goodings 20+ years later for $214K. I drove it all those years and put 180K miles on it. Restored it twice. I now have an absolutely pristine, original, low mileage 1975 Carrera; a 1990 trip...

h82goslw

Bogle7 wrote: ↑Sun Jan 24, 2021 6:35 pm I am not paranoid.
The FBI van in front of my house is capturing all my keystrokes anyway.

h82goslw

You can see why it feels like a spiraling pit of despair lately. I have no idea how to pick a path. Let’s look at the facts....you both make $300K per year, based on your current savings have a bunch of money in the bank, are healthy enough to bring a child into the world, have awesome maternity le...

h82goslw

My wedding is the best wedding I’ve ever been to. Had an absolute blast and when open bar closed at 1 am there were still over 100 people there. Of course it wasn’t a Boglehead type wedding but I’d do it all over again. The one thing we did do that saved a few bucks was got married the week after Ea...

h82goslw

OP... Back in October my Samsung 55” UHD tv of 5 years exposed the dreaded white spots on the screen. Couldn’t believe didn’t last 5 years. Started loooking at LG. I bought an LG nanocell 90 65” for $1200. After 5 days I brought it back as I was not happy with the screen. I then bought a LGUN7000 65...

h82goslw

As usual sandtrap has given much better, and more detailed, guidance than I did.

h82goslw

I see that you’re new here. Welcome to the best website on the internet. The first thing I would suggest is that your son do nothing but leave it in a high yield savings account that’s FDIC insured. Then I’d suggest that your son (and you) spend a lot of time here reading and learning. Start with th...

h82goslw

As someone who faced a similar, though not identical decision, I can 1000% say moving to the house with the bigger yard and space for the kids to play was the right decision. We did the "go to the park everytime the kids wanted to be outside" thing for a few years. Having a large yard whe...

h82goslw

For reference my current daily driver is a 2001 Porsche Carrera Cab. It is a fun car to drive but has a lot of electronics (throttle by wire, power everything, etc). I have had to trouble shoot some electrical window issues and it was a pain. Has micro switches everywhere and is complex. Would love...

h82goslw

onourway wrote: ↑Thu Jan 14, 2021 7:24 pm Toyota 86.

Great suggestion. Unfortunately this is the last year of the 86/Subaru BRZ. There is some talk of possibly bringing it back in the future.

h82goslw

Treat it like an ice chest and try not to open it unnecessarily. I would be comfortable with a 2-3 days on freezer items and at least 24 on the fridge. We have a second home that we use a lot, but occasionally it might be 4-5 weeks between visits. Here we have a mug of frozen water in the garage de...

h82goslw

No more real enthusiasts cars anymore. Interesting statement here. I would say that we live in amazing times if you’re a car enthusiast. Depending on your budget you can get a car that’s a blast to drive from just about every manufacturer these days. Of course you have fast coupes/2 seaters.....but...

h82goslw

Zelle is an instantaneous transfer. No waiting a day or 3 for it to clear. Not sure why you wouldn’t want to use that.

h82goslw

Beliavsky wrote: ↑Mon Jan 11, 2021 9:20 am I wonder if a strategy that buys/sells the S&P 500 when analyst estimates of earnings growth are low/high would work.

...

You’ve been a member of this board for over 6 years and now you’re asking if market timing is a viable approach?

h82goslw

rocketsrule wrote: ↑Wed Jan 06, 2021 12:58 pm What are you guys doing with any dry powder you have?

Ready to fund my backdoor roth today but wondering i I should wait. Was going to just buy some total US - ITOT

Sure....timing the market usually leads to a solid outcome.
Go ahead and wait

h82goslw

Thank you guys. It looks like like sticking with the Target Date Fund will for me because I'm not 100% comfortable with the stock market and doing manually, I will probably mess it up. I'll concentrate and saving and contributing as much as I can. Hopefully is not too late. It’s not too late. Just ...

h82goslw

Math majors are usually highly respected folks that don't need to check their math which is why I picked the username. Possibly a self selecting group of folks? Interesting perspective you have here. My math projections, using firecalc, are so conservative that getting anywhere near your projection...

h82goslw

I learned what a "K shaped recovery" meant I also learned that I am very comfortable with my AA in the midst of a market crash like what we saw in March....due to what I've learned on this website. And I owe 99% of my financial success to this website. Thank you Mr. Bogle, Mr. Larrimore an...

h82goslw

I bought a 2018 Camry last year that was a previous rental. Got a great deal and car has been perfect.

h82goslw

Bought a new Sole F80 2 years ago. It gets used 3-4 hours a week, every week. This is my 3rd treadmill in 22 years (first two were bought used for pennies on the dollar) and by far the best one I’ve owned. Wholeheartedly recommend it.

h82goslw

Get the cheapest coffee you can! I get most of my k-cups now from menards (home improvement store in midwest). I can appreciate good coffee and getting it for a good price. But please think about the amount of plastic waste that comes with k cups. They really are bad for the environment. Every litt...

h82goslw

I see the divorce stories and couldn't help thinking: how is the divorce the mistake? Isn't the marriage? Financially speaking, marrying somebody with 0 or much lower income is the major mistake. Ideally partners should be as equal as possible in marriage, financially, intellectually, same page wit...

h82goslw

They seem to be on the verge of becoming your Dad's investment company as a new generation is emerging. Fine by me. I don't need all the flashy stuff that makes investing like a video game. Let someone else implement that - I'll take a serious, solid, easy-to-use, in-depth investing site any day. I...

h82goslw

I know you have a pension but $350k in retirement accounts is pretty low for two ~40 year olds. My goal would be to increase 403b contributions to the max (19.5K). Your mortgage interest rate is sooooooo low, why would you pay it off early? At his savings rate working for 13 more years...he’ll be a...

h82goslw

Sadly this seems to be the correct answer with no hope of getting predictable returns in the stock market. Do you have some favorite conservative fixed-income financial instruments? Tips? There has never been hope of getting predictable returns in the stock market. On average, over a long enough te...

h82goslw

The correct purchase is the Ram TRX. It beats everything, goes over anything, and is faster than anything....even the Ford guys have to admit it’s a beast

h82goslw

With much respect to Public Enemy.....”Don’t believe the hype”

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