Bogleheads.org

helloeveryone

In 2019 my younger son had to have significant oral surgery to remove an infected tooth followed by an implant. It was difficult to get the appointment. When my wife arrived on the day of the scheduled surgery she was presented with this notice, which I have a photograph: ATTENTION ALL PATIENTS Eff...

helloeveryone

Another reason to dislike gift cards :( Your best option is if you purchased via credit card, you can ask about a chargeback. When COVID first hit last year, I read articles advising us to help our favorite restaurants and shops (which were closed in CA at the time) stay in business by purchasing g...

helloeveryone

I have never gotten into 4 wheel driving but one thing I have picked up over the years is that there is actually a lot to learn about how to actually drive off road right and how to get yourself out of trouble when(not if) something happens and you get stuck. I could not agree more. I’ll never forg...

helloeveryone

My area often makes the news for having bad drinking water (mainly high PFAS levels). My family drinks a lot of water and I don't think it's worth taking the chance drinking from the tap. Instead I'm considering a home delivery service where you get the ~5 gallon jugs. What should I consider? We di...

helloeveryone

Not sure that I'll help you out in your decision. But... I'm trying to look at this long term and not just in the immediate term of what my son can or can't do. My advice in the "long term" - this likely won't be used. Or at least it wasn't in our case. Child is currently 12, and we proba...

helloeveryone

Hi there! First-time poster here. And I'm sorry to come at you with a doozy of a question. :) My husband and I buy our own health insurance (DH's employer is very small and doesn't offer insurance). I'm starting to look into a new plan or other options such as a direct-to-consumer healthcare subscr...

helloeveryone

Hey all, wondering how much people have paid to get their kitchen cabinets painted... Kitchen is a pretty decent size, counted 37 drawers/cabinets plus an island. Getting quotes from $2,800-$4,000... In MCOL area. Thanks. I don’t mean to be glib, but you could buy enough paint and brushes to do tha...

helloeveryone

Brand new tire tread depth is 8.5/32. My remaining tread depths are: 1x 3/32 1x 4/32 2x 5/32 Costco has a promo - $150 off 4 tires. Cost of each tire is $230. I plan to replace the 3/32, probably the 4/32 as well. Mathematically, would it make sense to replace the 5/32 tires at the same time? My ve...

helloeveryone

Good Morning, Everyone has their "thing" that they enjoy to spend money on so if cars are your "thing" then please don't be offended. I have no problem dropping $500 on a round of golf at Whistling Straits or spending $200 on a meal every now and then. With that being said I am ...

helloeveryone

I told my kids - don’t try to get the last 10% on oil, belts, batteries, brakes, and tires. Replace on-time or early and save yourself a lot of trouble. +1 on the battery from personal experience. Cost time, effort, and by having to buy right away didn’t have time to hunt down the typical coupons a...

helloeveryone

Brand new tire tread depth is 8.5/32. My remaining tread depths are: 1x 3/32 1x 4/32 2x 5/32 Costco has a promo - $150 off 4 tires. Cost of each tire is $230. I plan to replace the 3/32, probably the 4/32 as well. Mathematically, would it make sense to replace the 5/32 tires at the same time? My ve...

helloeveryone

I have an offer from Carvana and Vroom for my 3 year old car that is within 10% of what I paid new after tax. I don't need the car to commute, it's driven 5k miles per year and could get by for a year without a replacement. Ideally, I would use the tax credit on a trade for a different car but the ...

helloeveryone

For Bogleheads who take more joy in saving than spending, it shouldn’t seem odd at all. Then you've answered your own question (and a good answer it is): save your money. Exactly what I’ve been trying to avoid. Let me lay it out more explicitly for you. I save $300k per year. Not because I need to ...

helloeveryone

What about things around the national parks (Grand Canyon, Yosemite, Zion) or the roads between them? Anyone with back-country backpacking experience, feel free to chime in with suggestions here. Check out Vermillion Cliffs National Monument. It's right off highway 89 which isn't too far from you a...

helloeveryone

Having sold cars for years I can see how some of you are a bit out of your element. Dealers make their money on the finance side, plain and simple. At the end of the day the market dictates the actual selling price of the car. A brand like Toyota has so many dealerships that a monkey can buy any mo...

helloeveryone

What about things around the national parks (Grand Canyon, Yosemite, Zion) or the roads between them? Anyone with back-country backpacking experience, feel free to chime in with suggestions here. Check out Vermillion Cliffs National Monument. It's right off highway 89 which isn't too far from you a...

helloeveryone

I've only done Yosemite and the Grand Canyon so can't comment on the others. The Grand Canyon was one of the top hikes I've done anywhere. We hiked down the S Kibab trail and spent 2 nights camped at Phantom Ranch. We left via the Bright Angel trail and spent the next night at Indian Gardens. The f...

helloeveryone

Those are good reasons to use PAS. Not everyone wants to nerd out on some of these finer points, and that is okay. Do you think at some point you might try to DIY? The good thing is they have you in a simple portfolio that you could take the reins over if you wanted to one day. Don't let someone co...

helloeveryone

a lot of things but top things lasik specialized gravel bike (was first "high quality" bike I have ever gotten) the money spent on a road trip to Sedona, Az and Grand Canyon. (in terms of value for the money spent - it was an AMAZING trip for the health and wellness benefits) Jura espresso...

helloeveryone

Call a plumber and pay whatever they ask - it'll be money well spent. If your luck is anything like mine (and I'm a DIY kind of guy) all sorts of crap will go wrong addressing that nightmare. It looks absolutely malevolent - just waiting for some innocent soul to come by and decide to tackle it. Th...

helloeveryone

Perfect? If you are near me and I'm looking for a similar car, prepare to lose the purchase to me. I've bought probably half a dozen cars on CL over the years. I honed my skills along the way by buying dozens of guitars and selling thousands of car parts. If I see something I want, I have the cash ...

helloeveryone

There are a lot of threads on how to buy a new or used car from dealers but fewer such threads on buying used on craigslist. I have not purchased used on CL yet but I really enjoy looking at used cars there and there are periodically cars that seem to be in great condition and at a competitive pric...

helloeveryone

There are a lot of threads on how to buy a new or used car from dealers but fewer such threads on buying used on craigslist. I have not purchased used on CL yet but I really enjoy looking at used cars there and there are periodically cars that seem to be in great condition and at a competitive price...

helloeveryone

A month ago my toddler poked me in the eye by accident, and I had a lot of pain and blurry vision. I went to Urgent Care, and they got me in quickly and were very nice and competent. They gave me a vision test, and then put some dye drops in my eye, and looked at it, diagnosed a scratched cornea, a...

helloeveryone

Thanks for the form! Why would a cashier's check not be ok? Everything about this guy rings true. His phone number matches his state. He manages an aircraft maintenance operation, took several calls from mechanics an pilots who clearly weren't faking it. Knew his way around cars very well. How woul...

helloeveryone

4Runner owner here.... 2016 SR5 Having wanted a 4Runner for many years, when my previous vehicle was totaled I bought a new 4Runner. I like the styling, off road ability (mainly just beaches in N.C.) and towing capacity ( enough to meet my towing needs) What I don’t like.... not exactly a comfortab...

helloeveryone

Hi, My wife and I make a combined gross 150k/yr. We have a 06 Subaru Forester we've had for 7 yrs with about 150k miles on it bought it in cash. Just bought a small little RV so looking for a tow vehicle. Realizing tow vehicles are more expesnive than the usual cars/crossovers we have bought in the...

helloeveryone

OP here: Went on a wonderful vacation to Jamaica with the passport issue resolved. Just getting the appointment was hard, VERY HARD, but my state senator office was able to help me. It did cost me in higher fees for the kids and I, one day lost work to drive 3 hours one way to the passport agency, ...

helloeveryone

My mom recently got into a minor accident (her fault). The cars in front of her slammed on the brakes and she just couldn't react fast enough and rear-ended the car in front of her. I think there is a good chance her old car might be totaled. It's not a lot of damage, mostly just the front bumper a...

helloeveryone

2/26/21 Update: Your suggestions/feedback have been very helpful and I've implemented several of the suggestions that were given. 1. Most importantly, I've taken the advice to work 40 hours per week and not a minute more. This has been life changing. 2. I typically take lunch breaks now, after year...

helloeveryone

I'm trying to quantify how much I'm actually paid in my job beyond just salary (e.g., retirement matching, health insurance, tuition reimbursement, etc.) to better assess employment opportunities. So I'm wondering what a typical employer pays toward employee health insurance. With that in mind, how...

helloeveryone

Is this really something employers care about? I highly doubt it. As noted, several others have inquired about how this could effect the employer at all. More than likely it's simple personal jealousy. This I believe the anger from president and fellow employees is jealousy. am hoping they will jus...

helloeveryone

I would say minivan is best bet to fit 7 and the supplies in the back. Two adults in front One adult with baby seat in back or middle One adult with two toddlers in back or middle. In addition to more trunk space than a three row suv you have additional room for stuff in the leg space of the child s...

helloeveryone

All of the inside faucets had been dripping for 2 days. I didn't drip the outdoor ones. Is that where I went wrong? I was wondering if we are risking even more damage TONIGHT, when it's supposed to be in the teens since we CAN'T drip our indoor faucets, because I turned the water off. That's my que...

helloeveryone

For car repairs? I don't bother to budget anything. We drive Toyota's and Honda's and I cant even remember the last time I had to do anything beyond annual oil changes or a brake job every 50k or so... I DIY so budgeting would be pennies a month. I agree (though I don't really budget). In the last ...

helloeveryone

Order of practicality ... sienna, highlander , rav4, 4 runner....my wife drives a sequoia now...we have had a few 4runners and a highlander. 4Runners are awesome but way too small for dogs/kids (child car seats are massive these days) and are impractical compared to unibody suvs. After years of try...

helloeveryone

Just curious - I have a budget on excel and there are a couple categories I just write - "not included - one of which is car repairs and home repairs" (others are medications/healthcare, groceries - but that's just being a little lazy as I could just average it out using end of year credi...

helloeveryone

for the last 1.5 years i've done my own oil changes, fluid changes etc... Have not moved to brakes yet but will be learning. already preemptively bought brake pads at rock auto for both vehicles. but for one i paid to get it done while doing some other work. I love the freedom and gratification of ...

helloeveryone

I don't, I just make sure I have enough in emergency funds to cover large unexpected expenses (furnace/water heater/etc.) For planned repairs, those that are not imminent, we save before incurring them (ie new cars, remodeling). Worst case scenario they can just go on the CC and be paid off over a ...

helloeveryone

For car repairs? I don't bother to budget anything. We drive Toyota's and Honda's and I cant even remember the last time I had to do anything beyond annual oil changes or a brake job every 50k or so... I DIY so budgeting would be pennies a month. for the last 1.5 years i've done my own oil changes,...

helloeveryone

real and perceived reliability, not the same but closely associated with Toyota Hilux: "Killing a Toyota" (probably should've been titled "can't kill a toyota"). when you can drown a truck for hours in water and still starts: just kinda' hard to beat. due to chicken tax: hilux a...

helloeveryone

Just curious - I have a budget on excel and there are a couple categories I just write - "not included - one of which is car repairs and home repairs" (others are medications/healthcare, groceries - but that's just being a little lazy as I could just average it out using end of year credit...

helloeveryone

Wife and I recently moved from Houston, TX back to California last year. We were in Houston for 5 years and realized we missed CA, the weather, lifestyle and friends. At the time we made the decision to move back, we had 1 small child and one on the way. We sold the wife's business, our house and I...

helloeveryone

Hi all, this is my first post. I hope to spend a lot of time here since there is some immense knowledge available. A little about me: I'm 30 years old, single, making around 130k/year pre-tax and renting. I've always been very risk averse. Years ago, my friend pushed me to get into investing rather...

helloeveryone

I returned several items to Amazon 2 weeks ago, via dropoff at a local UPS store. I used the correct procedure for each item in terms of printing labels, etc. Even though some of the items were purchased in the same order, I had to mail each back separately. I received a refund for one item about 4...

helloeveryone

Hello, I was part of a small start-up that got acquired by a larger company 3 years ago. As part of the acquisition, we were given a bonus plan (instead of an immediate payout) and jobs. The terms of the bonus plan are 1) continuous employment at this company until the end of 2021 and 2) meeting ce...

helloeveryone

What are your thoughts: $4M in Stocks (mostly VOO / VTI) $2M in CD Ladder $1M in BND and BIV I'm 52 years old, three kids. Houe...no mortgage. Kids are 20, 17, 14. I have tuition covered in 529's. Thinking about getting off the full time grind at end of 2021. Thinking $200K in income from my invest...

helloeveryone

What is a good rule of thumb to follow to decide whether to buy a new car vs repair an existing car. I've heard that if the repair exceeds the value of the car, it's not worth it. Or if the cost of the repair is a certain % of the value of the car, then it's not worth it. But let's say your existin...

helloeveryone

Do boglehead 3 fund investors need to be concerned? Are these hedge funds going to continue to sell their long positions to cover the shorts and affect the broad indexes? https://investornews.vanguard/when-stocks-get-ahead-of-fundamentals/j "Tune out the noise and stay the course—two time-test...

helloeveryone

I hope we won't see a thread pop up asking: "What to do with 47.9 million after I sold all GME?" https://i.redd.it/a309gkm5yxd61.png I skipped page 26 to 35 of the thread so am now lost... why did this individual not sell? is he the main one trying to make a point? I feel like you can mak...

Search found 703 matches