Search found 125 matches

by -buzz-
Fri Oct 09, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Recommendations wanted: lower cost wireless ear buds for runners
Replies: 17
Views: 1054

Re: Recommendations wanted: lower cost wireless ear buds for runners

I use the AfterShokz titanium. About $80 and have held up well. The best part is that they do not cover your ears. You can still hear what is going on around you if you keep the volume at a reasonable level. https://www.amazon.com/Aftershokz-Trekz-Titanium-Pink-One/dp/B07DMDD776/ref=sr_1_4?crid=1ALT...
by -buzz-
Thu Sep 03, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12881

Re: Shopping for college

Great thread. Reading with interest since our oldest is a senior in HS this year and we are engaging this process for the first time. Of course, if the child is unwilling to take ACT/SAT due to covid this year, I wouldn't expect much of merit scholarships. And if OP has a high family income, just no...
by -buzz-
Mon Aug 24, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect SSN on 1099
Replies: 6
Views: 480

Re: Incorrect SSN on 1099

OP - the NET earnings from self-employment are also reduced by the employer portion of self-employment taxes. So the net earnings per your tax return reported to SS are usually lower than the amount reported on Form 1099. The $2k difference you are seeing could be due to the 7.65% employer share of...
by -buzz-
Mon Aug 24, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect SSN on 1099
Replies: 6
Views: 480

Re: Incorrect SSN on 1099

In many cases the self-employment earnings posted by social security will not agree with the 1099 information. As long as the earnings posted for her by Social Security agree with the NET earnings from self-employment reported on the tax return she should be okay. In filing the tax return she repor...
by -buzz-
Mon Aug 24, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164973

Re: My LenderFi refinance is going well

Thanks for the clarification. So you applied prior to July 9th and didn't close yet??? We applied Aug. 7 and the banner was not present at that time. I saw it at some point prior to our app date and it came back not too long afterwards. I guess there was a window when they were accepting new apps.
by -buzz-
Mon Aug 24, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect SSN on 1099
Replies: 6
Views: 480

Incorrect SSN on 1099

Hi all, Hope someone might have some relevant experience for this situation. My wife went back to work last year after years as a stay at home Mom. She was employed as an independent contractor and her income was reported on a 1099. We received her 1099 for 2019, filed our tax return, and have alrea...
by -buzz-
Mon Aug 24, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164973

Re: My LenderFi refinance is going well

That's sorry to hear. But, not to blame you specifically, their website clearly says that they are not accepting new applications due to high volume and the fact they are a small house. Is it fair to criticize them for not being responsive when everyone here has been applying through a back door, a...
by -buzz-
Mon Aug 24, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164973

Re: My LenderFi refinance is going well

We have been trying to get a refi done with LenderFi for a couple of weeks. So far, the process has not been smooth. They failed to lock the rate when they were supposed to, so we've been through that twice. Multiple signing of the same documents. I am not really confident at this point, but it seem...
by -buzz-
Mon Jul 06, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 120
Views: 15416

Re: Converting to Safety Razors

I converted to the DE razor 15+ years ago. It does a lot better for my skin than the multi-blade razors. Took a little trial and error to find the right razor and blades that I liked. Now I'm all set. Of course, a couple of years ago I decided to try a beard for the first time in my life. Now I just...
by -buzz-
Thu Feb 20, 2020 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Having a baby in April 2020 - Whats your best financial advice for a new parent
Replies: 102
Views: 8692

Re: Having a baby in April 2020 - Whats your best financial advice for a new parent

You will need to teach your child to sleep. Yes, teach him/her to sleep. ... There are books out there. I learned from a popular Spanish-language one, "Duérmete Niño." But there are others in English. It's not that complicated (basically if it's dark outside it is time for baby to sleep) ...
by -buzz-
Thu Feb 20, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Having a baby in April 2020 - Whats your best financial advice for a new parent
Replies: 102
Views: 8692

Re: Having a baby in April 2020 - Whats your best financial advice for a new parent

I agree with all of the above. Just wanted to add if you're considering buying a house, wait until you (think you) are done having children so you know how much space you'll need/want. Good suggestion. I would take that comment even further. When you consider your long term family house, envision y...
by -buzz-
Thu Feb 06, 2020 4:17 pm
Forum: Personal Investments
Topic: 529 california
Replies: 4
Views: 368

Re: 529 california

I think a 529 makes sense regardless of your tax bracket. Not sure I understand the question on income limits. You can fund a 529 regardless of your income. There is no limitation or phase out like a Roth IRA. You will almost certainly not qualify for need based financial aid with an income of >$200...
by -buzz-
Fri Dec 13, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car Loan or Student Loans
Replies: 7
Views: 626

Re: Car Loan or Student Loans

We were planning on buying the car with cash but are now thinking about taking the car loan and paying off the student loan. This part confuses me. It sounds like you don't actually have the car loan yet. If not... I would ask yourself if you really need, what I assume is, a $40k brand new car. Wit...
by -buzz-
Thu Jul 11, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 154
Views: 13644

Re: Buying a Smoker

I started with an electric Brinkmann smoker. It was an okay starting point, but I found the cooking times to be really inconsistent. It seemed to lose a lot of cooking heat in cold weather, even when using an insulated jacket. I bought a large Big Green Egg about 15 years ago. It is one of my favori...
by -buzz-
Tue Jun 18, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 100
Views: 11683

Re: IPhone 6 - showing some age

Good thread. Probably time for me to upgrade my phone as well. No way I would pay the price for a new one. I'm probably looking at either an iPhone 8 or XR. As you might expect, refurbished iPhones from Apple are the top price point. Thoughts on where to get the best deal on a used iPhone? I have su...
by -buzz-
Tue May 21, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 3075

Re: Wiper blade replacement

I have been using PIAA Super Silicone blades and have been happy with them. They last a long time.

You have to buy the wiper blade (frame) the first time you switch. After that you can buy just the refills.
by -buzz-
Tue May 21, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 4892

Re: Expensive front load washer/dryer worth it?

unstartable wrote: Tue May 21, 2019 9:52 am Does anyone have any experience with condensing/ventless dryers? How well they dry, and how long clothes last?
We had one of those when we lived in Europe. The one we had took forever to dry.
by -buzz-
Thu Apr 04, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2931

Re: Clipless pedals for a hybrid bike

I have Speedplay Frogs on both my mountain and road bike. I found them easier to clip in an out of than SPDs. For a hybrid bike, I might go with combo pedals that are two sided, something like the Shimano PD-EH500. One side is is a platform and the other a clip. Seems like that would be versatile an...
by -buzz-
Fri Mar 22, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender
Replies: 40
Views: 2895

Re: WiFi Extender

We solved our WiFi issues with a mesh system also. We went with the Linksys Velop. Costco had the best deal at the time and came with 4 modules.

Our main purpose was to enable coverage for Ring cameras outside the house. The Linksys was easy to set up and has worked flawlessly for us.
by -buzz-
Tue Feb 12, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup
Replies: 8
Views: 1127

Re: Financial Checkup

1st Comment: Thanks for sharing your experience. However, I never understood the reasoning for investing with a 529 over investing in a Roth IRA if I have the space available (which I do). I know I can only pull my own contributions out of the Roth, but if I am saving with a 16-year timeframe, I do...
by -buzz-
Mon Feb 11, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup
Replies: 8
Views: 1127

Re: Financial Checkup

You are doing great. Staying out of debt is a big key. If I could go back in time and give myself advice as a young father, there are two big things I would change: Start 529 accounts for your children at birth. This was the biggest financial mistake we made. 529 plans had only been around a few yea...
by -buzz-
Mon Feb 11, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Car Replacement + Moving
Replies: 17
Views: 1211

Re: Car Replacement + Moving

If there is nothing about the car that would make it inherently unsuitable for Florida (no A/C for example) and doesn't have any major problems, I would keep the car through the move. I would prefer to be settled in the new living situation before making a decision on a car. That would allow me to b...
by -buzz-
Wed Jan 30, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Ford recently? Advice please...
Replies: 58
Views: 8176

Re: Anyone bought a Ford recently? Advice please...

I’ve been a dedicated buyer of Japanese cars ever since I had enough money to pay cash for something above “beater” level —and had substantial equity in my home, an emergency fund and was maxing out retirement contributions. My quality and reliability perceptions also meant that there hasn’t been a...
by -buzz-
Thu Jan 10, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 15655

Re: Disciplined with finances, but not so with diet

I'm going on month 5 with keto. I've lost 25 lbs at this point. I'm not counting calories or macros. Pretty much just keeping my diet low carb and a somewhat higher fat, although I'm not going extreme on the fat. I haven't been able to stay 100% keto all the time, but I've been pretty good. I only g...
by -buzz-
Thu Oct 11, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs. Cash
Replies: 28
Views: 2761

Re: Mortgage vs. Cash

We were planning to get a mortgage on the new house and invest about $600K of our savings into a diversified portfolio (80/10/10 or 70/15/15), except for about $50-100K as an emergency fund which we'd keep in a high interest savings account. However, after re-reviewing the blog, I'm having second t...
by -buzz-
Tue Oct 09, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 5818

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

We have a Mazda 3 that was purchased as a kid's first car. It was 9 years old and 72k miles when we bought it. Nice little car that has been good for us. My biggest concern with driving a Mazda in the snow would be ground clearance. I think the Subaru would do a little better clearing piled up snow ...
by -buzz-
Thu Oct 04, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 119
Views: 12703

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

I am betting about zero home warranty companies will replace an AC unit. They will all do the cheapest possible repair and make you wait for as long as possible:) Home Warranty of America replaced two units in two years in a previous home for us. The first unit was replaced during our first year of...
by -buzz-
Tue Oct 02, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Washington DC with Side Trips Mount Vernon & Monticello Advice
Replies: 11
Views: 910

Re: Washington DC with Side Trips Mount Vernon & Monticello Advice

We did a Gray Line tour of DC that included Mt. Vernon, Arlington, and the memorials. It was a little expensive, but it was an efficient way to see a lot in a short amount of time. It was great to be shuttled right to the sights and not fuss with parking, directions, etc. Also, the driver or guide w...
by -buzz-
Tue Aug 28, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Smarter personal finance software?
Replies: 16
Views: 2416

Re: Smarter personal finance software?

Curious to ask. For those of you who use YNAB or other apps, is it worth the monthly fee? I've only read about them and not used any before--The NYT recd YNAB pretty enthusiastically. What is its real added value? I would really just use it to improve my savings. We use YNAB. It has been a huge hel...
by -buzz-
Wed Aug 22, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 19136

Re: Good Non-Boring Boglehead Cars Under $30k

I've owned a Miata. The total opposite of boring while at the same time being reliable and not very expensive. With acknowledged trunk storage and rear seat problems. :thumbsup The most fun car I've ever owned was a Miata with a 6 speed manual transmission. Very reliable and easy to drive. I was ev...
by -buzz-
Wed Aug 22, 2018 2:02 pm
Forum: Personal Investments
Topic: 529 Fees
Replies: 11
Views: 3523

Re: 529 Fees

We went with the Nevada 529. Accessible directly through the Vanguard website. More than enough investment options. ERs are very close between UT and NV. My impression is that ERs in 529s are under continual competitive pressure so the absolute lowest cost provider probably changes over time. As lon...
by -buzz-
Fri Aug 17, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Young family: Capital Allocation Question, Home vs. Investments
Replies: 5
Views: 574

Re: Young family: Capital Allocation Question, Home vs. Investments

Would I ever do a cash-out refi to invest? No. I would not create debt on my home to invest. By the time you pay expenses of selling the $540k property and buying a $650 property, the mortgage to cover difference is probably ~$140k. Going with a mortgage of $200k is would only put an additional $60...
by -buzz-
Fri Aug 10, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 5331

Re: Should I pay 6000.00 to repair wife's car....

Apparently the new Body Shop (Dealers) has found it is broken on both ends. So the 5K includes: - new door - remove front end of car - to get to the area where it is broken by the Apiller. - paint etc. Have you thought about trying to get a door from a salvage yard? Don't know if that is practical ...
by -buzz-
Tue Aug 07, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 4309

Re: Grind and Brew Coffee Makers - worth it?

I tend to dislike machines that create unnecessary material waste, i.e., Keurig and Nespresso. I am interested in an automatic espresso type machine, like the Jura J8, I guess. A question for those users: do those machines make a cup of regular joe, in addition to the lattes, capuccinsos, etc.? Yes...
by -buzz-
Mon Jul 30, 2018 10:14 pm
Forum: Personal Investments
Topic: Should I move to cash in my child's Pennsylvania 529 plan?
Replies: 6
Views: 777

Re: Should I move to cash in my child's Pennsylvania 529 plan?

I think it depends on how close to your funding goal you are at this point.

If you think you have sufficient funds to cover your target school(s), then I would certainly move to a more conservative AA. Maybe not all cash hut semester between 30-70 and 50-50 would be my suggestion.
by -buzz-
Mon Jul 30, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1697

Re: Settle my claim or elevate issue

Never hurts to ask but if they paid your repair and rental car costs, they made you whole to the best of their ability. I wouldn't expect any further compensation for time or inconvienence.
by -buzz-
Sun Jul 29, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 3352

Re: Any problems with freezer "drawer" models

We have a Samsung for about 8 yrs. No issue. Sis in law had a different brand and handle kept pulling loose. Check for a sturdy handle. Love the design. Weight not a problem. We bought a Samsung about 5 years ago. The ice maker on the french door models has a design problem. There is a class action...
by -buzz-
Sat Jul 28, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 3261

Re: Home Addition Finance

This really hits home with me. I think this is great advice and makes sense. Paying down debt and saving up the cash will take some time. That is a good thing. Use the time to thoroughly plan what you want in the remodel/addition before you ever bring in architects and contractors who may try to se...
by -buzz-
Sat Jul 28, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 7417

Re: Talk to me about Le Creuset

Our other cookware is Lodge Cast Iron (large and small skillet) and Debuyer carbon steel pan for fish and crepes . We have too much cookware, but we are a family of 5 with three teenagers. Keeping the crew fed is an ongoing challenge. My favorites are a Debuyer carbon steel skillet and what Debuyer...
by -buzz-
Fri Jul 27, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 3261

Re: Home Addition Finance

We can wait 2 years and have the cash plus a cushion, but not sure my wife will have the patience (I don't blame her, we have a bad layout) Think about what puts you in the best position 5-10 years from now. You love the location, the property is workable long term with some improvements, and have ...
by -buzz-
Fri Jul 27, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: $75,000 bonus - help me with my plan
Replies: 24
Views: 3721

Re: $75,000 bonus - help me with my plan

I am feeling that our plan could be something like the following: 1) Put away enough to max backdoor Roths immediately in Jan 2019 2) I have a highly variable income and am having what is considered an anomaly year (Our W2s will be near 400K this year, but I anticipate we will sit around 200K next ...
by -buzz-
Mon Jul 23, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Legacy across generations......
Replies: 66
Views: 4722

Re: Legacy across generations......

The age of the grandchildren at the time of inheritance matters to me. At the current age (10 years old or younger), I would split it 50-50 between the children. I wouldn't want to bestow a significant amount of money to grandchildren who are less than 30 years old. That money might not help them an...
by -buzz-
Mon Jul 23, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Rotating Tires in Honda Odyssey
Replies: 15
Views: 2837

Re: Rotating Tires in Honda Odyssey

I do it at each oil change. No particular logic to that other than it is easy to remember.

I rotate mine front to back.

I also have a hydraulic jack and impact wrench at home, so it is easy for me to do myself when necessary.
by -buzz-
Wed Jul 18, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 2012

Re: sams club - new member

Overall, we shop more at Costco but keep memberships at both for different things. (3 teenagers in the house , economizing our grocery bill is important.) We have been really happy with Sam's Optical. Pretty good prices and the staff at our local one is awesome. One thing I really like is that they ...
by -buzz-
Wed Jul 18, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 50
Views: 4604

Re: Selling mom's house

My sister (that lives in the house) is trying to buy our part out and does not yet know if she will be approved for the mortgage (she had to get a co-signer). ... She has asked us to take 100K AND turn around and give her 5k from each of our share so she can fix the house. Definitely do not agree t...
by -buzz-
Wed Jul 18, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Question about new construction basement houses
Replies: 19
Views: 2038

Re: Question about new construction basement houses

Edit: One additional question, would you have the builder finish the basement for an additional $26k for 1000 sq ft space? We built a house with an unfinished basement 5 years ago. Haven't had any problem with moisture. We considered having the builder finish it and decided against it because it wa...
by -buzz-
Tue Jul 17, 2018 1:05 pm
Forum: Personal Investments
Topic: Simple question on where to fund - 401k > IRA > what next
Replies: 20
Views: 1653

Re: Simple question on where to fund - 401k > IRA > what next

Does your plan offer a self-directed brokerage window?
by -buzz-
Tue Jul 17, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3812

Re: Wills

I don't have a lawyer. How do you find a good lawyer? We updated our will and estate planning documents this year. We were way overdue and I'm glad we finally got it done. I asked friends for recommendations and found an attorney we were happy with. The biggest hurdle for us (and the reason we wait...
by -buzz-
Tue Jul 17, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Should I reduce the death benefit of my term life policy?
Replies: 20
Views: 1183

Re: Should I reduce the death benefit of my term life policy?

I will not be having any more children - even if I remarry again. If you remarried, the new spouse could bring children into the relationship. Unless the premium is a financial strain, I would reduce the coverage to $1M for right now and reevaluate it when you turn 50. See what your life looks like...
by -buzz-
Tue Jul 17, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 9277

Re: Anyone not have a Budget?

The way we manage our finances has evolved over time. We didn't used to budget. When we were dual income with no kids, we didn't feel it was necessary. When we went down to one income after kids, we managed a little more closely but didn't have a formal budget. For a little over a year, we have been...