Search found 1321 matches

by StevieG72
Wed May 05, 2021 7:17 pm
Forum: Personal Consumer Issues
Topic: "Cooling" Materials
Replies: 11
Views: 791

Re: "Cooling" Materials

Neck towels work, it is helpful if you have access to cool water to rinse and repeat.
by StevieG72
Wed May 05, 2021 5:42 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2371
Views: 281809

Re: Post your Financial Milestone Announcements Here

SundayMorning wrote: Wed May 05, 2021 2:04 pm Mortgage is paid off as of today! No one to share this with and my wife is rather pedestrian in her reaction.
So, I figured I would post it here. :D
Good job, now direct that monthly payment towards investments!
by StevieG72
Tue May 04, 2021 10:36 pm
Forum: Personal Consumer Issues
Topic: HVAC in Texas: how long to use band-aids?
Replies: 49
Views: 2726

Re: HVAC in Texas: how long to use band-aids?

This post has been helpful as I have a 24 year old unit and a small’ish house and feel like I’m playing with fire a bit, especially because we keep the house colder than most in the summer. The window units are a great idea especially since I’d like to pair one with my generator to have on hand. I ...
by StevieG72
Tue May 04, 2021 7:02 am
Forum: Personal Investments
Topic: Can I retire by end of year
Replies: 27
Views: 3645

Re: Can I retire by end of year

Looks like your finances are ok, maybe simplify?

Lots of funds! Less is more. Income generated from DST’s seems low for amount invested, I understand you may like the tilt towards real estate and relative security of the passive income, but is the juice worth the squeeze?
by StevieG72
Tue May 04, 2021 6:44 am
Forum: Personal Investments
Topic: $50k where to invest now!
Replies: 10
Views: 1925

Re: $50k where to invest now!

All $50,000 in VTSAX today.
by StevieG72
Mon May 03, 2021 4:55 pm
Forum: Personal Consumer Issues
Topic: HVAC in Texas: how long to use band-aids?
Replies: 49
Views: 2726

Re: HVAC in Texas: how long to use band-aids?

Keep it! The parts you describe are inexpensive, routine maintenance items. I just replaced a 35 year old air handler and a 20+ year 10 Seer compressor along with duct work. Mine had a freon leak that could not be traced down, also air handler also had 1/2 of the heat strips not working. In my case ...
by StevieG72
Sat May 01, 2021 9:33 pm
Forum: Investing - Theory, News & General
Topic: Dry powder strategy?
Replies: 65
Views: 7426

Re: Dry powder strategy?

Pro tip! Dry powder does a great job of getting sand off after a day at the beach.
by StevieG72
Sat May 01, 2021 9:27 pm
Forum: Personal Consumer Issues
Topic: Online store suggestions for progressive lenses?
Replies: 28
Views: 1984

Re: Online store suggestions for progressive lenses?

khunron wrote: Tue Apr 27, 2021 1:36 pm Zenni did not ask for my vertical seg height measurement and the glasses I received are useless. I didn't even know about that measurement and would never buy from them again.
Did you return them?

I ordered my progressive lenses from them and they work fine. Can’t beat the price!
by StevieG72
Sat May 01, 2021 12:33 pm
Forum: Personal Consumer Issues
Topic: Yubikey
Replies: 16
Views: 2615

Re: Yubikey

Sooooo I finally got a Yubikey and now Vangaurd site gives me this message "Security key service is temporarily unavailable. Please try again."
:|
by StevieG72
Thu Apr 29, 2021 8:42 am
Forum: Personal Consumer Issues
Topic: HVAC replacement when experts disagree
Replies: 96
Views: 6049

Re: HVAC replacement when experts disagree

That is a big difference! FWIW I have an install crew in my home right now, went from a 2 ton unit to 2.5. My understanding is you can wiggle around plus or minus 1/2 ton. Of course in my situation up would be the only option don't think they have 1.5 ton who knows. The company that quoted the job w...
by StevieG72
Thu Apr 29, 2021 8:29 am
Forum: Personal Consumer Issues
Topic: Help me buy my son a 5K new used car....
Replies: 55
Views: 3509

Re: Help me buy my son a 5K new used car....

In the market myself more times in the last few years than I really wanted to be, I have found that $10,000 is the new $5,000. Not to say you cant find something cheaper, just for trying to find a safe reliable car $5,000 turns up some beaters.
by StevieG72
Thu Apr 29, 2021 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Funeral expenses-10K fair?
Replies: 25
Views: 2946

Re: Funeral expenses-10K fair?

delamer wrote: Wed Apr 28, 2021 8:29 pm It’s in line with what I paid a few years, with a casket burial, viewing, and an previously-purchased plot.
+1

I was surprised the cost was that high myself for a previously-purchased plot. That is about what we paid for my dad's funeral in 2013.
by StevieG72
Wed Apr 28, 2021 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Need to Convince Parents Not to Purchase Life Insurance for "Inheritance"
Replies: 64
Views: 3407

Re: Good Idea? Parents Want Life Insurance So They Leave An Inheritance

delamer wrote: Wed Apr 28, 2021 3:43 pm The money for premiums on any life insurance would be better spent supporting themselves or increasing their meager emergency fund.
+1 or simply enjoying retirement. I tell my mom to spend her estate, I prefer her to enjoy it rather than leave it to me.
by StevieG72
Sun Apr 25, 2021 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT add baby as authorized user to build credit history?
Replies: 85
Views: 6696

Re: Why NOT add baby as authorized user to build credit history?

I recently added my 16yr old as an authorized user on my card. She is driving now and uses it for gas. I had to provide a picture ID along with the form for adding her, not sure if there is an age limit. Adding a child too soon could artificially inflate credit to a level that the child is not respo...
by StevieG72
Sun Apr 25, 2021 4:43 pm
Forum: Investing - Theory, News & General
Topic: How to Invest in Crypto like a Boglehead?
Replies: 226
Views: 26072

Re: How to Invest in Crypto like a Boglehead?

I didn’t read the replies but in case it hasn’t been mentioned the way to invest in crypto like a Boglehead is don’t!
by StevieG72
Sun Apr 25, 2021 4:18 pm
Forum: Investing - Theory, News & General
Topic: I don’t understand why tax loss harvesting is that beneficial
Replies: 118
Views: 8941

Re: I don’t understand why tax loss harvesting is that beneficial

I think the one of the main benefits of tax loss harvesting is psychological and behavioral. It's something actionable you can focus on during a market drop that adds a small amount of value and helps stay the course. Those who focused on tax loss harvesting in March 2020 while maintaining asset al...
by StevieG72
Sun Apr 25, 2021 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: refinance to 30 year or 15 year fixed?
Replies: 19
Views: 1824

Re: refinance to 30 year or 15 year fixed?

Don’t forget your mortgage is a negative bond! I would go with the 15 yr if I could easily afford the payment. I switched to a 15 year when I refinanced and paid of a business loan. In addition to switching to a 15 yr loan I paid an additional $150 a month. Paid the loan off last year with a small l...
by StevieG72
Sun Apr 25, 2021 11:53 am
Forum: Investing - Theory, News & General
Topic: I don’t understand why tax loss harvesting is that beneficial
Replies: 118
Views: 8941

Re: I don’t understand why tax loss harvesting is that beneficial

I don’t see the logic in taking the loss. I have done it once to sell some international and immediately buy a similar fund, but I was looking to simplify my international holdings anyways.

The logic escapes me to sell a total stock market fund and book a huge loss.
by StevieG72
Sun Apr 25, 2021 8:54 am
Forum: Personal Consumer Issues
Topic: Did I get shilled on Ebay?
Replies: 43
Views: 6433

Re: Did I get shilled on Ebay?

It is possible that the $8 bidder had a maximum bid in the system and your bid simply pushed the price up over that max.
by StevieG72
Sat Apr 24, 2021 8:30 pm
Forum: Investing - Theory, News & General
Topic: Can't Login to Vanguard
Replies: 41
Views: 3057

Re: Can't Login to Vanguard

This has happened to me a few times, the most recent after I installed tax software. It is a minor inconvenience in my opinion for the added security.

Oddly enough I logged in to Ally from a computer It should have not recognized and was NOT asked for 2FA. Not feeling warm and fuzzy about that!
by StevieG72
Sat Apr 24, 2021 11:44 am
Forum: Personal Consumer Issues
Topic: Is Mobil 1 extended performance full synthetic oil really good for 20k miles?
Replies: 74
Views: 5624

Re: Is Mobil 1 extended performance full synthetic oil really good for 20k miles?

My 4Runner calls for every 10,000 miles oil changes. I wouldn't want to push it much further.
by StevieG72
Sat Apr 24, 2021 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Discuss Net Worth with Adult Children
Replies: 176
Views: 17703

Re: Discuss Net Worth with Adult Children

My children both are developing very successful careers. They both have an interest in financial management. They both know what is in their inheritance trust, but they only have a rough idea of our estate. They are scheduled to be cotrustees of our family trust which becomes irrevocable with spend...
by StevieG72
Sat Apr 24, 2021 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Trust for minor child
Replies: 13
Views: 1049

Re: Trust for minor child

I need to set up a trust for my daughter, similar assets. It varies by state, but your spouse may have a claim to the retirement account even if your son is listed as the only beneficiary. Check out Beyond the Grave , it discusses all of the topics you are concerned about, good book, has some great ...
by StevieG72
Sat Apr 24, 2021 6:20 am
Forum: Personal Consumer Issues
Topic: Low sodium restaurant foods
Replies: 66
Views: 4253

Re: Low sodium restaurant foods

You know what’s good at the Cheesecake Factory? The cheesecake, that’s all!
by StevieG72
Sat Apr 24, 2021 6:03 am
Forum: Personal Investments
Topic: Investing in Private Equity Fund
Replies: 32
Views: 2458

Re: Investing in Private Equity Fund

I would avoid it like the COVID! Same goes for those exclusive REIT funds that you only have access to with an advisor. Check out the fees.... https://smartasset.com/financial-advisor/baird-private-wealth-management-review No thank you, 2.50% annual fee, if your advisor tries to woo you with amazing...
by StevieG72
Sat Apr 24, 2021 5:48 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 84
Views: 6028

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Just turn up the radio and ride it out until the tires reach their useful lifespan. My daughters new car has noisy tires, to the point of annoying, I have noticed that the road surface makes a BIG difference. Some roads I can’t even hear the tires, others it sounds like she has a bad bearing it’s so...
by StevieG72
Fri Apr 23, 2021 7:28 pm
Forum: Personal Consumer Issues
Topic: Where to travel with grandparents if they don’t like the beach and can’t walk too far
Replies: 54
Views: 4961

Re: Where to travel with grandparents if they don’t like the beach and can’t walk too far

Someplace where you can rent mobility scooters (everywhere). The unit below comes apart in 4 pieces and goes into a truck of a car. Here's the Grand Canyon's Access Your Park guide. Tht https://i.imgur.com/6FGqb1h.png I seriously want to get one of these for my mom while on vacation. She complains ...
by StevieG72
Fri Apr 23, 2021 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Discuss Net Worth with Adult Children
Replies: 176
Views: 17703

Re: Discuss Net Worth with Adult Children

Heck no! I will be busy spending their inheritance! Likewise, with my Mom I encourage her to liquidate her estate and spend! She sold off some artwork a few years ago and used some of the funds to purchase a vehicle. This past week she got rid of a lot of silver coins and sterling silver that had be...
by StevieG72
Thu Apr 22, 2021 9:15 pm
Forum: Personal Investments
Topic: New to stock investing and have $5000 to invest. What would you do?
Replies: 19
Views: 2406

Re: New to stock investing and have $5000 to invest. What would you do?

anon_investor wrote: Wed Apr 21, 2021 7:09 pm
Wizzroom wrote: Wed Apr 21, 2021 4:55 pm I need advice from experienced investors on which stocks to buy. How do you decide which stocks to buy?
100% VTSAX (Vanguard Total Stock Market Index fund) and chill.
+1 this is what I would recommend
by StevieG72
Thu Apr 22, 2021 6:00 pm
Forum: Personal Consumer Issues
Topic: Out on 4Runner - Used Lexus GX?
Replies: 34
Views: 2913

Re: Out on 4Runner - Used Lexus GX?

I had wanted a 4Runner for over 10 years, finally bought one a few years ago. Gas mileage is bad, but it can tow my boat. Price was $36,400 OTD and to be honest I feel it could have a few more safety features for that price. I did get the base model but it was more than I wanted to spend, plus I lik...
by StevieG72
Mon Apr 19, 2021 12:53 pm
Forum: Personal Consumer Issues
Topic: Canadian Pharmacies
Replies: 29
Views: 3360

Re: Canadian Pharmacies

Reviving an old thread for current anecdotes, had to fill a script for Xarelto today and it was $286.00 for a 30 day supply! I am seriously considering checking out mail order from outside of the United States. Please share you personal experiences. As a side note my daughter is on a biologic drug t...
by StevieG72
Thu Apr 15, 2021 9:19 pm
Forum: Investing - Theory, News & General
Topic: What's your definition of "Family Money"?
Replies: 47
Views: 5601

Re: What's your definition of "Family Money"?

Money that I do not have! Family money is old money.
by StevieG72
Thu Apr 15, 2021 9:12 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2274

Re: local dealers offering to buy car for more than you paid?

What type of car?

More often than not the dealers have no interest in your car. They are interested in you trading that car and buying something new. I got multiple notifications that the dealer wanted my 2006 Ford Escape! It was popular and they needed it it for a customer!
by StevieG72
Thu Apr 15, 2021 7:14 pm
Forum: Investing - Theory, News & General
Topic: "Mortgage is a negative bond" - please help me understand
Replies: 336
Views: 18207

Re: "Mortage is a negative bond" - please help me understand

I find it a bit confusing myself, but with bond rates in the toilet chose to pay off mortgage. So if mortgage is a negative bond, home equity must be a positive bond! Actually one of my goals was to have mortgage paid and reach a certain portfolio number by 50 yrs of age. A few years ago it seemed l...
by StevieG72
Thu Apr 15, 2021 5:16 pm
Forum: Investing - Theory, News & General
Topic: There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market
Replies: 70
Views: 8902

Re: There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market

This does not add up! How could you possibly have $600,000 in expensive on basically nonexistent sales?
by StevieG72
Thu Apr 15, 2021 5:07 pm
Forum: Personal Consumer Issues
Topic: DIY Pest Control
Replies: 22
Views: 1564

Re: DIY Pest Control

I do my own, spray mostly outside perimeter of home.

Also have DIY wood bee traps that I hang around the house exterior, have already caught half a dozen easily.
by StevieG72
Thu Apr 15, 2021 5:05 pm
Forum: Personal Consumer Issues
Topic: Why leasing a new car is always the best option even if you intend to keep it forever
Replies: 158
Views: 15399

Re: Why leasing a new car is always the best option even if you intend to keep it forever

Sounds like fuzzy math. I have heard some horror stories about leased vehicles. One lady was not allowed to buy her vehicle when the lease ended, I think she had excessive mileage and had to pay for the additional miles. Also while we all get bummed out when our new vehicle gets scratches, spills, s...
by StevieG72
Wed Apr 14, 2021 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7273

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

Bought last two vehicles with a cashiers check, no need to run credit. I have not had a checkbook in many years.
by StevieG72
Tue Apr 13, 2021 8:06 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 82
Views: 19285

Re: how to deal with it [regret over past investing choices]

Here I am in April 2021 an stumbled across this thread in a Google search for 'financial regrets depression' as my keywords. I am suffering from chronic severe depression and PTSD. Fast forward this original thread in 2015 to now and here I am, another guy who has spent the last year in absolute em...
by StevieG72
Mon Apr 12, 2021 7:40 pm
Forum: Personal Investments
Topic: Alternative to Total Bond?
Replies: 46
Views: 4700

Re: Alternative to Total Bond?

Anyone investing in Emerging Market Bonds? It is the latest recommendation in A Random Walk Down Wall Street. I must admit I am intrigued by the returns compared to total bond, but hesitant as my mind tells me I would be performance chasing if I made a change to my bond allocation.
by StevieG72
Mon Apr 12, 2021 2:48 pm
Forum: Personal Investments
Topic: Wells Fargo giving bad IRA contribution/tax advice?
Replies: 4
Views: 433

Re: Wells Fargo giving bad IRA contribution/tax advice?

Check the IRS publication, it appears to agree with Wells Fargo.
by StevieG72
Sun Apr 11, 2021 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Contract with Family Member for Grandfather’s Care?
Replies: 17
Views: 1829

Re: Contract with Family Member for Grandfather’s Care?

Does he not like the nursing home? Maybe check out others in the area? Family can visit just as much or even more often than him staying with the aunt. His quality of life could be improved in a setting with activities, friends, a rotation / variety of caregivers, etc.
by StevieG72
Sun Apr 11, 2021 8:04 am
Forum: Personal Consumer Issues
Topic: Company Healthcare Denying Coverage for Durable Medical Equipment
Replies: 3
Views: 398

Re: Company Healthcare Denying Coverage for Durable Medical Equipment

Medicaid should pick up the cost of the supplies. I was very fortunate to have my daughter’s specialist go to bat with the insurance company to approve infusions she needs every 8 weeks that bill at over $20k. In addition, they made us aware of a program with the drug manufacturer that reimburses ou...
by StevieG72
Sat Apr 10, 2021 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 122
Views: 4988

Re: Do budgets work?

Of course they work, try to earn more and spend less. Works great for personnel finance and business!
by StevieG72
Fri Apr 09, 2021 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with making large mortgage principal payment
Replies: 9
Views: 795

Re: Help with making large mortgage principal payment

If your mortgage servicing bank has an online account management website check it for options.

Mine had an option to easily adjust automatic payments and apply additional money to principal, however you would need to link your bank account.
by StevieG72
Fri Apr 09, 2021 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10600

Re: In-Laws' HOA demanding $8000 lumpsum payment

File a claim with title insurance company.
by StevieG72
Fri Apr 09, 2021 4:16 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4652

Re: The Great Swing Set Dilemma

Looks like both are recommended for 3-9 age range. At 2 yrs of age both sets will likely require strict supervision to prevent injuries. I would be inclined to get the one with the bridge, but your wife is probably correct that the other one would be safer. Since you are expecting another kiddo, and...
by StevieG72
Tue Apr 06, 2021 4:46 pm
Forum: Personal Consumer Issues
Topic: Pre buy Disney World tickets as inflation hedge
Replies: 43
Views: 7349

Re: Pre buy Disney World tickets as inflation hedge

I was not impressed with Disney. I flew down to Florida and took my daughter, underwhelming to say the least. While it is sort of a rite of passage for children, I would rather visit Busch Gardens Williamsburg which is ridiculously close to where I live.
by StevieG72
Tue Apr 06, 2021 4:36 pm
Forum: Personal Consumer Issues
Topic: Wife Beating Me Up over cost of Landscaping Job
Replies: 20
Views: 2565

Re: Wife Beating Me Up over cost of Landscaping Job

Does not sound excessive. You are paying for expertise, equipment, supplies, & labor.

If your wife thinks this is an overpriced job, tell her about the poster that was quoted $5,000 just to come up with a landscape design!
by StevieG72
Sun Apr 04, 2021 4:15 pm
Forum: Investing - Theory, News & General
Topic: 2007 to 2020: The changing advice of "A Random Walk Down Wall Street"
Replies: 81
Views: 15532

Re: 2007 to 2020: The changing advice of "A Random Walk Down Wall Street"

abuss368 wrote: Fri Jul 10, 2020 10:39 pm I am curious how many Bogleheads use this portfolio.
+1

Is anyone switching up their bond allocation?