Search found 126 matches

by foamypirate
Tue Apr 13, 2021 10:24 am
Forum: Personal Consumer Issues
Topic: 10+ year old used cars?
Replies: 64
Views: 5015

Re: 10+ year old used cars?

10+ years old doesn't bother me at all. In fact, up until January of this year, 3 of my 4 cars were older than 10 years (1988, 2002, 2002, 2016). Sold the 88', so now "only" 2 of 3 are older than 10 years. 2002 Chevrolet Corvette - 57k miles 2002 Chevrolet Silverado 2500HD Duramax Diesel -...
by foamypirate
Tue Mar 02, 2021 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Putting more than 20% down on a home?
Replies: 38
Views: 3713

Re: Putting more than 20% down on a home?

Thanks, all. To clarify - I'm definitely NOT open to waiving the inspection. But could be open to putting 25%-30% down in the event the appraisal comes in below our offer. Once again, this is not "ideal" in my mind given the low rate environment (although may be in some others based on th...
by foamypirate
Fri Feb 26, 2021 4:17 pm
Forum: Personal Investments
Topic: Fidelity ZERO Total Market Index closed to new investors?
Replies: 26
Views: 7590

Re: Fidelity ZERO Total Market Index closed to new investors?

The ZERO funds are only open to retail investors (leaving 401K/457B/403Bs out in the cold). I just bought $500 of FXROX in my stand alone IRA and it completed without an issue. I just bought $500 of FZILX in my stand alone IRA and it completed without an issue. Not sure what the commotion is all ab...
by foamypirate
Fri Feb 26, 2021 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much does your employer contribute toward your health insurance?
Replies: 26
Views: 1173

Re: How much does your employer contribute toward your health insurance?

According to my 2020 tax documents from my Employer, I paid about $4,000, and they pitched in about $22,000.

It's a pretty good plan, nice PPO with good coverage, $500 deductible, 90/10 coinsurance, etc.
by foamypirate
Tue Feb 16, 2021 11:34 pm
Forum: Personal Consumer Issues
Topic: Window screen mending, fixing, patching
Replies: 16
Views: 999

Re: Window screen mending, fixing, patching

You can probably replace the whole mesh portion without too much trouble. I did this on several screens at our old house. The mesh is typically held in with a rubber “spline” that presses into the frame. Both the mesh, and new spline, are available at any decent hardware store, along with an install...
by foamypirate
Thu Jan 28, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: What are your DIY Home and Hobby Projects to Save $$$ and/or Have Fun?
Replies: 105
Views: 8479

Re: What are your DIY Home and Hobby Projects to Save $$$ and/or Have Fun?

I pretty much do as much as humanly possible around the house myself. If I'm out of my league, I'll give someone a call, but haven't really run into that yet besides a slab plumbing leak and AC condenser install at the old place. Let's see, in no particular order: Prior house: Wired for security cam...
by foamypirate
Sun Jan 17, 2021 11:20 am
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 139
Views: 8880

Re: What Kind of Generator Do you Use for your Home Backup?

Honda EU6500is (gasoline, not diesel). 6 circuit transfer switch to use the generator for furnace, the kitchen, and 4 other circuits. Probably is overkill for my bungalow, but I wanted a quiet unit I got it the year after Super Storm Sandy I have used twice for actual power outages in the 6 years I...
by foamypirate
Sun Jan 17, 2021 10:52 am
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 139
Views: 8880

Re: What Kind of Generator Do you Use for your Home Backup?

Honda EU6500is (gasoline, not diesel). 6 circuit transfer switch to use the generator for furnace, the kitchen, and 4 other circuits. Probably is overkill for my bungalow, but I wanted a quiet unit I got it the year after Super Storm Sandy I have used twice for actual power outages in the 6 years I...
by foamypirate
Wed Jan 13, 2021 7:51 pm
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 139
Views: 8880

Re: What Kind of Generator Do you Use for your Home Backup?

This is a timely thread, as we recently had a 12 hour outage during the uncharacteristic snow storm here in Central TX (along with an extended outage last year that we experienced). I’ve certainly been waffling back and forth and whether or not to get something that will run our HVAC or not. I’m per...
by foamypirate
Fri Jan 01, 2021 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2507
Views: 575604

Re: Share your net worth progression

31, single income, 2 kids.

Feel pretty good about our NW increase this year, since we bought a house w/ acreage, and there was a lot of capital expended on new tools and equipment to maintain the property.

2017 - $162,984
2018 - $213,642
2019 - $289,308
2020 - $383,954
by foamypirate
Tue Jun 23, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do people sell a house and buy one at the same time?
Replies: 46
Views: 5696

Re: How do people sell a house and buy one at the same time?

We just went through this. We submitted an offer on the house we were interested in (with contingency, but with a large 41% downpayment to show we were serious, based on proceeds we expected from our sale). Once that offer was accepted, we used our realtor to stage and list our house. Fortunately, w...
by foamypirate
Thu Jun 11, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22942
Views: 3009685

Re: U.S. stocks in free fall

Sorry guys, this is all my fault. I decided to pay off the car and put in an order to sell stocks late last night. Tis' only natural that stocks would drop 6% today. :D
by foamypirate
Wed Jun 03, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Did you see a drop in your expenses in May?
Replies: 29
Views: 1859

Re: Did you see a drop in your expenses in May?

I sure wish! However, it was not to be so. We moved into a new house right at the beginning of February, so the last few months have been spent on all sorts of stuff you can spend money on in a new home. Decorations, furniture, ceiling fans, a tractor for maintaining the property (we moved to acreag...
by foamypirate
Mon May 25, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2833

Re: Anyone buy a car from a rental car company???

Anecdotal, certainly, but my parents purchased a rental back in 2001, from Hertz. They drove it for 18 years and to 273k miles. Seemed to work out for them. :beer
by foamypirate
Sat Jan 04, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: How to get home internet in the country, outside the city limits?
Replies: 24
Views: 1303

Re: How to get home internet in the country, outside the city limits?

I'm about to be in the same boat as you. I am looking at something like http://simnetwireless.us . It's a cellular based service. You can buy an outdoor LTE modem with an amplifier, so you would get a better signal than just hot-spotting it with a phone. It's also unlimited data. They claim speeds a...
by foamypirate
Fri Nov 01, 2019 10:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to launch draw-down retirement program for 401(k)'s
Replies: 15
Views: 2781

Re: Fidelity to launch draw-down retirement program for 401(k)'s

Ping Pong wrote: Fri Nov 01, 2019 9:43 pm Sounds like a trick to keep you in a higher-fee 401(k) longer.
The expense ratio for the funds in my Fidelity 401K are comparable or lower than the equivalent Vanguard funds...
by foamypirate
Thu Sep 12, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: AC Unit Feedback - Another One
Replies: 15
Views: 1270

Re: AC Unit Feedback - Another One

I have this exact condenser (down to the tonnage): CARRIER PERFORMANCE 24ACB7-60, 5-TON, UP TO 17 SEER, 2-STAGE, ENERGY STAR AC - $7,083 I paid about $7k installed with a Carrier PHA58 furnace back in 2011. With price increases since then, $7,000 for the condenser and install, new pad, etc, is prett...
by foamypirate
Wed Sep 11, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 5396

Re: Calling all iPhone SE Bogleheads

Devoted SE user until 3 weeks ago. However, the storage in the 16 GB version was constantly nearly full. So I made the leap to an XR. Always thought I would hate the large size, but it turns out it fits fine in my pockets and is easier to see. It’s hilarious how small my wife’s SE seems now if I pi...
by foamypirate
Mon Sep 09, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Have you been doing better than your parents?
Replies: 30
Views: 2464

Re: Have you been doing better than your parents?

So far, so good. My wife and I are exceptionally blessed. I make, at the age of 29, double what my Dad did, in his highest earning year ever. We're on course to have our home paid off by the age of 35, while saving a good deal for retirement. My parents, on the other hand, basically paid for their h...
by foamypirate
Fri Sep 06, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Danger of mail order drugs, recent television report
Replies: 26
Views: 2974

Re: Danger of mail order drugs, recent television report

We gave up on mail order after they continued to screw up every refill and prescription, couldn't seem to get the refill from the doctor, even though the doctor filled out their stupid form and faxed it 5 different times, etc. This for a very critical medication. The last straw was just today, when ...
by foamypirate
Fri Aug 30, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 7021

Re: What, besides dishes, do you run through your dishwasher?

I may or may not have run a radiator fan shroud and the blades (removed from the motors) from said fans through the dishwasher for a hotrod project I was working on.

DW does not need to know...
by foamypirate
Thu Jul 25, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Does your bank charge fees for personal ACH transfers to other banks?
Replies: 32
Views: 2045

Re: Does your bank charge fees for personal ACH transfers to other banks?

No charges at my local credit union. I transfer my car payment via ACH every month from another local credit union. I know those aren't banks, but it's what I've got. :D
by foamypirate
Wed Jul 24, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5584

Re: Accord approaching 100k miles, how to push it beyond

I had a 1999 Camry that I gave to my nephew when it had 321,000 miles. He drove it another couple of years, and just gave it to a friend of his who is still driving it and putting miles on it. It will not die. I live on a dirt road, so a lot of those miles were on dirt. I wasn't even very good abou...
by foamypirate
Sat Jul 13, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Safe DIY Spider Control
Replies: 16
Views: 1064

Re: Safe DIY Spider Control

Ortho HomeDefense works well (it's a Bifenthrin based product).
by foamypirate
Wed Jun 26, 2019 9:55 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 10145

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

This definitely isn't new advice from Dave Ramsey. Unfortunately, it's terrible advice; advice which I followed when first getting started in the adult world, about 10 years ago. I still regret not getting the match on my 401K contributions when I was paying off debt at that time. 5% match, out the ...
by foamypirate
Tue Jun 18, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Waiting to prepay mortgage until you can pay the whole thing off?
Replies: 28
Views: 3725

Re: Waiting to prepay mortgage until you can pay the whole thing off?

Personally, I cut the difference. I'm currently putting 50% towards principal, immediately reaping the rewards of increased principal payments, and lower overall interest paid. The other 50%, I'm putting into VBIRX (Vanguard Short-Term Bond Index Fund). This has a duration of about 2.6 years, which ...
by foamypirate
Wed Jun 12, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 8892

Re: Do you drive old cars for long distance travels?

No. I fly now. It takes too long driving. if you got the time and car is well maintained, then go for it. But I wouldn't be driving long periods of time to save money. Great point! I typically recommend that to people, i.e. "why don't you just fly out"? Even with the hassles of airports/a...
by foamypirate
Mon Jun 10, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 8892

Re: Do you drive old cars for long distance travels?

Absolutely, I'd have no qualms about it. In the past, I've driven: 1993 Honda Accord with 265k from Utah to Texas, and back (circa 2008) 1991 Honda Accord with 211k from Utah to Texas (circa 2009, moved to Texas) 2007 Honda Accord with 116k (youngin') back and forth from Texas to Utah, on a yearly t...
by foamypirate
Tue May 28, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6684

Re: What has changed in new home construction over the years?

I doubt anything has changed on a quality standpoint. I think what you're seeing is an access to information. I don't buy the story that they used to build them better with pride and quality. Nope, companies cut corners where they can and cheaped out where they can back then and today. Why would th...
by foamypirate
Fri May 17, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Tithing
Replies: 14
Views: 1754

Re: Tithing

I used to belong to an....organization....that demanded tithing in order to, uhhh, be part of the most special people. There was an annual accounting and settling up with your person in charge. The expectation was 10% of your gross, period. I don’t know if gross or net is the norm in other Christia...
by foamypirate
Thu May 16, 2019 9:58 pm
Forum: Personal Investments
Topic: Good fund to accumulate for mortgage payoff
Replies: 37
Views: 4484

Re: Good fund to accumulate for mortgage payoff

Have you considered splitting 50/50 between early principal payments and saving? This is the route I am taking for my home loan payoff. I'm currently putting 50% into VBIRX (Vanguard Short-Term Bond Index Fund Admiral Shares) each month, and paying the other 50% directly to principal each month. Onc...
by foamypirate
Thu May 16, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: Argument against Target Fund
Replies: 32
Views: 2736

Re: Argument against Target Fund

Let's say we have a 2040 target fund. What happens if a 50%+ decline event happened in 2039? It depends on the glide path of that particular fund. That said, nearly any 2040 target fund should be heavily in bonds by 2039, so I'd expect the 50% decline to have lesser impact than a fund that had a he...
by foamypirate
Thu May 16, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 8497

Re: Compact SUV vs MidSize Sedan

One thing I have wondered about is the impact of height vs. weight. That is, say a compact SUV vs a midsize sedan. My guess is that basic physics says weight has more of an impact, absent poor design. I was originally looking at midsize sedans, but have started looking at compact SUVs/CUVs for the ...
by foamypirate
Thu May 16, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: .
Replies: 13
Views: 2333

Re: Fixing Bad Lawn

Here's my recipe for reviving a St. Augustine lawn: Mow as tall as your mower will go Water deeply once a week, about 1" Hand pull weeds (weed a small patch each day) Fertilize with organic fertilizer (Milorganite, Texas Tee, Medina Growin' Green) on the following Holidays (follow directions on...
by foamypirate
Wed May 08, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 8945

Re: Walk away from my auto lease?

A worn clutch will cause the transmission to slip. It is the wearing off process that damages the transmission. Say what? A worn clutch will result in the clutch slipping, not the transmission. If a manual transmission is "slipping," you've got some SERIOUS issues inside (stripped gears, ...
by foamypirate
Fri May 03, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 7293

Re: Car lost acceleration

Penny wise, pound foolish.
by foamypirate
Sun Apr 28, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 10844

Re: EXTREMELY frugal things from our paernets and grandparents

My in-laws (in their mid-50s now) washed and reused ziplock bags, until they split a seam. They have nearly $1 million in investments, and still wash and reuse to this day.
by foamypirate
Mon Apr 22, 2019 8:21 pm
Forum: Personal Investments
Topic: Short Term Bond Index vs. Prime Money Market
Replies: 30
Views: 4292

Re: Short Term Bond Index vs. Prime Money Market

Lee_WSP wrote: Mon Apr 22, 2019 6:11 pm With Online HYS accounts yielding 2.45%, it doesn't make sense to put money in either with their associated expense ratios at this point in time. IMO. Unless you want to be able to move money between funds quickly.
Returns are net of expense ratio, so this isn't a factor.
by foamypirate
Mon Apr 15, 2019 4:58 pm
Forum: Personal Investments
Topic: Fidelity ZERO Total Market Index closed to new investors?
Replies: 26
Views: 7590

Re: Fidelity ZERO Total Market Index closed to new investors?

The ZERO funds are only open to retail investors (leaving 401K/457B/403Bs out in the cold).
by foamypirate
Sat Mar 16, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Smoking tire/wheel/brake one week after wheel alignment
Replies: 24
Views: 1884

Re: Smoking tire/wheel/brake one week after wheel alignment

I remember, (no one cares, LoL) the 78 - 80 GM A-body rear wheel cylinder recall. Instead of one or two bolts holding the rear wheel cylinder in, GM used a oblong stamped hole in the steel rear wheel backing plate. This along with the same shape wheel cylinder mounting surface and a spring clip was...
by foamypirate
Tue Mar 12, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 8590

Re: How many companies have you worked for?

Age 29. One company, 10 years. Started at 44k, now making 127k. No college degree (working on fixing that, as I do realize how incredibly lucky I have been).
by foamypirate
Wed Mar 06, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Weird issue when braking/stopped
Replies: 10
Views: 1089

Re: Weird issue when braking/stopped

Sometimes, if a wheel speed sensor is going bad, the computer will think that wheel has locked up, and engage the ABS. If you are stopped, all wheels are stationary, and so it won't kick in the ABS since it hasn't detected a "lockup." This is all just conjecture of course. Probably best to...
by foamypirate
Wed Feb 27, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3490

Re: Home DYI - increasingly complex repairs and cost savings by DYI

I've been in the same house now for 9 years, and in that time I've done DIY on the following: Re-caulk baseboards Re-caulk shower pan Replace water heater (in the garage attic, STUPID PLACE FOR IT!) Replace kitchen sink and garbage disposal Add 24v transformer and digital zone controller for HVAC, ...
by foamypirate
Wed Feb 13, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 37647

Re: [2018 tax return - How does it compare to previous years?]

Effective rate dropped 2.24% from 2017. I paid roughly $1,800 less in taxes, on roughly $13,000 more taxable income (thank you, improved Child Tax Credits)! Still received a tax refund, but it was small (intentionally), as I tracked my expected tax owed, and adjusted my W4 allowances throughout the ...
by foamypirate
Mon Jan 28, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card in Auto-pay affecting Credit Score
Replies: 31
Views: 2417

Re: Credit Card in Auto-pay affecting Credit Score

At least with Citi, if I pay off the balance right before the statement closes, they report $0 (or maybe whatever few pending charges cleared after I made my payment).
by foamypirate
Tue Jan 01, 2019 10:46 am
Forum: Personal Investments
Topic: Vanguard Roth IRA 2019 automatic contributions?
Replies: 3
Views: 634

Re: Vanguard Roth IRA 2019 automatic contributions?

For what it’s worth, I set up my 2019 contributions at Vanguard two weeks ago. It had the correct $6000 limit, and calculated the contribution amount correctly based off of that.
by foamypirate
Mon Dec 31, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2507
Views: 575604

Re: Share your net worth progression

January 1st, 2018: $166,500
December 31st, 2018: $212,010

I expect it to increase quite substantially next year, since I got a 27% raise late this year. :sharebeer
by foamypirate
Tue Dec 25, 2018 8:44 pm
Forum: Personal Investments
Topic: Emergency Fund - Vanguard Prime Money Market, Ultra Short Bond, or ST Investment Grade?
Replies: 13
Views: 1975

Re: Emergency Fund - Vanguard Prime Money Market, Ultra Short Bond, or ST Investment Grade?

I personally have my emergency fund 50/50 in Prime Money Market (VMMXX) and Ultra Short Bond (VUBFX). I’m happy with the arrangement.
by foamypirate
Tue Oct 30, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5957

Re: People with older car, share your unusual repairs

2002 Corvette
Had to ship off the steering rack to be rebuilt. It only had power steering assist when turning to the right, and would actively fight you when turning the left (some sort of internal fluid leak). $400 + $200 in shipping charges later, good as new! Did the R&R myself.
by foamypirate
Fri Oct 19, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 5801

Re: Selling to CarMax if maintenance lights on?

If it's just the maintenance light, you should be able to hold in the trip odometer button for 10 seconds, until the display starts to flash, then release, and press back in and hold for another 10 seconds. That will reset the maintenance minder. Check Engine Light, of course, is a whole 'other story.