Search found 273 matches

by h82goslw
Fri May 07, 2021 12:06 pm
Forum: Personal Investments
Topic: How much do you trust FIRECalc?
Replies: 17
Views: 2102

Re: How much do you trust FIRECalc?

Glad to see someone else is questioning firecalc. I go in several times a year and input data based on current amounts and future savings rate and always stare at amazement at what it says my spending level can be while still maintaining a 95-100% success rate.
by h82goslw
Fri Apr 30, 2021 7:11 am
Forum: Personal Investments
Topic: Advice for a 401k Late Bloomer
Replies: 27
Views: 2187

Re: Advice for a 401k Late Bloomer

You’re not the only one here to start late. I started about same age as you, in the same situation. Be optimistic and do your best to save as much as possible. AND READ THIS WEBSITE EVERYDAY. The folks here are an endless font of knowledge, take advantage of it.
by h82goslw
Mon Apr 26, 2021 10:25 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3558
Views: 589692

Re: What are you up YTD? [Year To Date]

carminered2019 wrote: Sat Apr 24, 2021 7:46 pm I amp up to 3.5 years of living expenses YTD and up 12 years of living expenses in 2020.
I look forward to the time when I look at gains this way. (My spending now is very erratic but will smooth out in a few years). Definitely a great perspective on growth of funds.
by h82goslw
Sat Apr 17, 2021 6:58 pm
Forum: Personal Investments
Topic: Millennial's Portfolio Post-home Purchase
Replies: 9
Views: 1453

Re: Millennial's Portfolio Post-home Purchase

Jacotus wrote: Sat Apr 17, 2021 6:41 pm What is the purpose of having a 529 if you are single?
One could still be single and have a child
by h82goslw
Fri Apr 02, 2021 7:13 am
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2775

Re: toyota sequoia vs toyota sienna safety

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...
by h82goslw
Sat Mar 20, 2021 6:59 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 24804

Re: What is the BEST thing you spent money on?

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
by h82goslw
Wed Mar 17, 2021 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 369
Views: 27083

Re: Received 3rd stimulus check 3/12/21

rage_phish wrote: Wed Mar 17, 2021 9:52 am
Bout time these lids starting having some ROI
Best post of the day 😂
by h82goslw
Sun Mar 14, 2021 8:57 am
Forum: Personal Consumer Issues
Topic: Texas resident selling car to buyer from Illinois
Replies: 24
Views: 1868

Re: Texas resident selling car to buyer from Illinois

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.
by h82goslw
Wed Mar 10, 2021 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paying estimated taxes using EFTPS using Mac computer
Replies: 11
Views: 929

Re: Paying estimated taxes using EFTPS using Mac computer

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
by h82goslw
Mon Mar 08, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: Wife New Car - Used Market Non Ideal
Replies: 37
Views: 3045

Re: Wife New Car - Used Market Non Ideal

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 ...
by h82goslw
Mon Mar 08, 2021 7:41 am
Forum: Personal Consumer Issues
Topic: Cast iron cooking tips
Replies: 59
Views: 4467

Re: Cast iron cooking tips

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...
by h82goslw
Sat Mar 06, 2021 7:41 am
Forum: Personal Investments
Topic: Is my Financial Advisor's advice sound?
Replies: 69
Views: 6687

Re: Is my Financial Advisor's advice sound?

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...
by h82goslw
Tue Mar 02, 2021 3:56 pm
Forum: Personal Consumer Issues
Topic: Car idle RPM fluctuations - is it a problem? Solved
Replies: 7
Views: 838

Re: Car idle RPM fluctuations - is it a problem?

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.
by h82goslw
Fri Feb 26, 2021 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For A "Rule Of Thumb" For How Much College Can I Afford
Replies: 45
Views: 2546

Re: Looking For A "Rule Of Thumb" For How Much College Can I Afford

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...
by h82goslw
Fri Feb 26, 2021 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For A "Rule Of Thumb" For How Much College Can I Afford
Replies: 45
Views: 2546

Re: Looking For A "Rule Of Thumb" For How Much College Can I Afford

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...
by h82goslw
Fri Feb 26, 2021 5:55 am
Forum: Personal Investments
Topic: Dream garage/workshop, or college savings?
Replies: 43
Views: 3502

Re: Dream garage/workshop, or college savings?

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.
by h82goslw
Tue Feb 16, 2021 2:23 pm
Forum: Personal Investments
Topic: Where to park $$$ for house build in 3-4 years?
Replies: 13
Views: 937

Re: Where to park $$$ for house build in 3-4 years?

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.
by h82goslw
Fri Feb 12, 2021 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Build or buy a home?
Replies: 50
Views: 5700

Re: Build or buy a home?

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...
by h82goslw
Thu Feb 11, 2021 4:21 pm
Forum: Personal Consumer Issues
Topic: Buying a car spring 2021
Replies: 73
Views: 5078

Re: Buying a car spring 2021

[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...
by h82goslw
Wed Feb 10, 2021 7:33 am
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 70
Views: 9347

Re: NJ EZ-Pass Why a monthly service fee?

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...
by h82goslw
Tue Feb 09, 2021 9:53 am
Forum: US Chapters
Topic: Why A Good Boglehead Must Leave The Bogleheads Forum
Replies: 180
Views: 19271

Re: Why A Good Boglehead Must Leave The Bogleheads Forum

Rarely does a day go by that I don’t learn something new here. That’s enough to keep me coming back.
by h82goslw
Sat Jan 30, 2021 7:11 am
Forum: Personal Consumer Issues
Topic: Home insurance coverage
Replies: 11
Views: 1030

Re: Home insurance coverage

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.
by h82goslw
Wed Jan 27, 2021 4:52 pm
Forum: Personal Consumer Issues
Topic: Does TV Commercials, Online Ads and Telemarketing Affect Your Consumption Choices?
Replies: 73
Views: 2868

Re: Does TV Commercials, Online Ads and Telemarketing Affect Your Consumption Choices?

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...
by h82goslw
Wed Jan 27, 2021 7:58 am
Forum: Personal Consumer Issues
Topic: Vaccum recommendation?
Replies: 43
Views: 2791

Re: Vaccum recommendation?

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.
by h82goslw
Wed Jan 27, 2021 7:53 am
Forum: Personal Consumer Issues
Topic: Showers and Shower faucets
Replies: 60
Views: 3688

Re: Showers and Shower faucets

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 $...
by h82goslw
Tue Jan 26, 2021 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Instead of paying estimate taxes, reduce refund?
Replies: 13
Views: 852

Re: Instead of paying estimate taxes, reduce refund?

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 ...
by h82goslw
Tue Jan 26, 2021 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Porsche 911 as an investment....
Replies: 103
Views: 7178

Re: Talk me out of buying a car as an investment....

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.
by h82goslw
Tue Jan 26, 2021 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Porsche 911 as an investment....
Replies: 103
Views: 7178

Re: Talk me out of buying a car as an investment....

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...
by h82goslw
Sun Jan 24, 2021 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Sending sensitive information to accountant
Replies: 11
Views: 1192

Re: Sending sensitive information to accountant

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.
😄😄
by h82goslw
Fri Jan 22, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: Housing advice - current plan not working
Replies: 47
Views: 2762

Re: Housing advice - current plan not working

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...
by h82goslw
Fri Jan 22, 2021 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding
Replies: 78
Views: 4808

Re: Wedding

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...
by h82goslw
Fri Jan 22, 2021 9:04 am
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3221

Re: any suggestions for best 65" TV under $1000?

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...
by h82goslw
Mon Jan 18, 2021 1:48 pm
Forum: Personal Investments
Topic: Investment Advice for Son
Replies: 19
Views: 1286

Re: Investment Advice for Son

As usual sandtrap has given much better, and more detailed, guidance than I did.
by h82goslw
Mon Jan 18, 2021 1:34 pm
Forum: Personal Investments
Topic: Investment Advice for Son
Replies: 19
Views: 1286

Re: Investment Advice for Son

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...
by h82goslw
Sun Jan 17, 2021 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy this house? (Not can we afford this house)
Replies: 51
Views: 3845

Re: Should we buy this house? (Not can we afford this house)

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...
by h82goslw
Fri Jan 15, 2021 7:12 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4441

Re: Simple but fun cars

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...
by h82goslw
Thu Jan 14, 2021 7:27 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4441

Re: Simple but fun cars

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.
by h82goslw
Thu Jan 14, 2021 7:24 pm
Forum: Personal Consumer Issues
Topic: Power is Out - Do you Know How Long Food Lasts in Fridge?
Replies: 39
Views: 2231

Re: Power is Out - Do you Know How Long Food Lasts in Fridge?

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...
by h82goslw
Thu Jan 14, 2021 7:14 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4441

Re: Simple but fun cars

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...
by h82goslw
Thu Jan 14, 2021 7:14 am
Forum: Personal Consumer Issues
Topic: Accepting payment on used car sale during covid
Replies: 55
Views: 4314

Re: Accepting payment on used car sale during covid

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.
by h82goslw
Mon Jan 11, 2021 1:53 pm
Forum: Investing - Theory, News & General
Topic: The Irony of Growth: How investors systematically err on growth forecasts
Replies: 4
Views: 531

Re: The Irony of Growth: How investors systematically err on growth forecasts

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?
by h82goslw
Wed Jan 06, 2021 1:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15179
Views: 1171334

Re: U.S. stocks continue to soar!

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 😄
by h82goslw
Mon Jan 04, 2021 8:12 pm
Forum: Personal Investments
Topic: I'm 45 years old and I have not been paying attention to my retirement plan. Please help.
Replies: 29
Views: 4002

Re: I'm 45 years old and I have not been paying attention to my retirement plan. Please help.

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 ...
by h82goslw
Thu Dec 31, 2020 12:11 pm
Forum: Personal Investments
Topic: Expected real rate of return
Replies: 134
Views: 7130

Re: Expected real rate of return

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...
by h82goslw
Sun Dec 27, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2020: Lessons learned
Replies: 237
Views: 16317

Re: 2020: Lessons learned

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...
by h82goslw
Sat Dec 26, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: time for a new car
Replies: 66
Views: 8008

Re: time for a new car

I bought a 2018 Camry last year that was a previous rental. Got a great deal and car has been perfect.
by h82goslw
Sat Dec 26, 2020 7:42 pm
Forum: Personal Consumer Issues
Topic: Treadmill
Replies: 39
Views: 2644

Re: Treadmill

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.
by h82goslw
Thu Dec 24, 2020 7:25 am
Forum: Personal Consumer Issues
Topic: Tips for Frugal Living
Replies: 284
Views: 27277

Re: Tips for Frugal Living

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...
by h82goslw
Sat Dec 19, 2020 6:50 am
Forum: Personal Finance (Not Investing)
Topic: What is the Worst Financial Decision/Mistake You Have Made?
Replies: 230
Views: 18564

Re: What is the Worst Financial Decision/Mistake You Have Made?

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...
by h82goslw
Wed Dec 09, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Vg Makes Rare Retreat as Price War It Started Takes a Toll
Replies: 142
Views: 13371

Re: Vg Makes Rare Retreat as Price War It Started Takes a Toll

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...