Search found 2406 matches

by surfstar
Wed Oct 07, 2020 2:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22415
Views: 2966280

Re: U.S. stocks in free fall

Next time, stay the course. I would highly suggest against gold. That would be pulling money out of something you believe is overpriced to something else also at all time highs but has no fundamental returns, sales, books, or anything else to base a short term speculative price on other then a pers...
by surfstar
Tue Oct 06, 2020 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best Course of Action for getting out of Debt?
Replies: 57
Views: 4005

Re: Best Course of Action for getting out of Debt?

Drastically cut budget. Review and cut again - lots of "needs" aren't.
Throw all funds at the debt until it is gone. Refi/consolidate if beneficial on higher interest/principal ones.
by surfstar
Tue Oct 06, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Two Job Offers - Please Help!
Replies: 43
Views: 3436

Re: Two Job Offers - Please Help!

#2 with conditional offer that it be 100% remote and no travel until the virus is 100% gone. Offer a pay cut to work from home even.

Just a thought. Use the leverage of a backup, low-stress, no-move offer to negotiate.
by surfstar
Tue Oct 06, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 101
Views: 7975

Re: Annual oil changes a must? Car maintenance during these times

In addition to physical degradation of oil (through the running of the engine), chemical degradation occurs over time no matter what, humidity & temperature fluctuations. One of my cars had 600 since I last changed the oil just about 52 weeks ago today. I will be changing it in the next 1-2 wee...
by surfstar
Tue Oct 06, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 13276
Views: 1025960

Re: U.S. stocks continue to soar!

Well, once you've cut off your nose to spite your face, the dog food might not smell as bad. :oops:
by surfstar
Tue Oct 06, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 103
Views: 7392

Re: Brake fluid replacement?

After 11 years and 115000 miles, I had my break fluid replaced for the first time (for free) after I got the break pads and discs replaced for the first time for my 2000 (bought in 2019) Lexus RX350 at Tire Discounter. The person at Tire Discounter could not believe that my original pads and discs ...
by surfstar
Sat Oct 03, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Favorite Camping Gear
Replies: 71
Views: 5314

Re: Favorite Camping Gear

If we're talking backpacking gear, which this seems to have trended towards: For a couple: Big Agnes Copper Spur HV3 (high volume 3 person) Nemo Cosmo 50L (4lb, super thick, comfy pad) Enlightened Equipment Accomplice quilt - ultralight, ultracomfy If we're backpacking in to climb, we have lots of g...
by surfstar
Thu Oct 01, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Help with replacing water heater
Replies: 49
Views: 3199

Re: Help with replacing water heater

Thanks everyone for your input and sharing your thoughts. Plumber is in the garage installing the water heater right now. decided to go with regular gas. We spoke about tankless but he said that he needs to run a dedicated gas line and that would increase the cost drastically. That was main decidin...
by surfstar
Thu Oct 01, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: Replacement for a good pocket point-and-shoot camera?
Replies: 81
Views: 4132

Re: Replacement for a good pocket point-and-shoot camera?

Oh, dear - wish I had known. From my Amazon orders, I see that in 2016 I bought a Sony Cybershot DSC-RX100 for $414. It was a good camera but I rarely used it as I have a DSLR. Last night I was cleaning up my old gear and came across this camera. I looked at it, fired it up, put it back, picked it ...
by surfstar
Wed Sep 30, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 127
Views: 14018

Re: Oil change disaster

Consumers don't want to pay $100 for oil change labor, plus parts. Therefore it goes to the least experienced, least trained, employees. DIY and you'll know it is done right - after you gain enough experience ;) If you don't have the ability to DIY - best of luck. I try to avoid all mechanics, so I...
by surfstar
Tue Sep 29, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 127
Views: 14018

Re: Oil change disaster

Consumers don't want to pay $100 for oil change labor, plus parts. Therefore it goes to the least experienced, least trained, employees. DIY and you'll know it is done right - after you gain enough experience ;) If you don't have the ability to DIY - best of luck. I try to avoid all mechanics, so I ...
by surfstar
Tue Sep 29, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: If you could opt-out of the last hour of each trading day, would you?
Replies: 9
Views: 1000

Re: If you could opt-out of the last hour of each trading day, would you?

No.

Stocks will either go up down or sideways during the last hour, just as they do during the previous 5.5 hours.

You, me, nobody knows which direction they will go and when.
by surfstar
Tue Sep 29, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Music for a camping trip
Replies: 66
Views: 4220

Re: Music for a camping trip

We'll soon be taking a camping trip in a state forested area where camping is allowed...there are no designated camp sites or services . Forgot to address this - PACK OUT YOUR "STUFF" Including #2s and TP. Please. Please. Please. You can purchase toilet seats that fit on 5gal buckets, com...
by surfstar
Tue Sep 29, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Music for a camping trip
Replies: 66
Views: 4220

Re: Music for a camping trip

wow! thanks but no thanks. Shaking my head, not sure how people can presume to know how others enjoy their art and in what surroundings. We did a group camp at a beach a few years back. Brother of one of the friends brought a wood-fired pizza oven on a trailer. Cooked us all the pizza we wanted all...
by surfstar
Tue Sep 29, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Replacement for a good pocket point-and-shoot camera?
Replies: 81
Views: 4132

Re: What Android smartphone to replace a good pocket point-and-shoot camera?

Pixel 4a It will be my next phone as soon as a black friday type deal occurs ($250ish). I've owned a Sony RX100 and a couple of its competitors in the large(r) sensor P&S type cameras. Always was disappointed. The results really aren't that much better than a small sensor camera - no high ISO ne...
by surfstar
Tue Sep 29, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone successfully negotiated/contested a life insurance quote?
Replies: 19
Views: 1105

Re: Has anyone successfully negotiated/contested a life insurance quote?

Just keep shopping.

Our rates were higher due to activities (rock climbing and SCUBA) - Pruco/Prudential came in way lower than almost all other companies. Shop around.
Find one that doesn't seem to mind one copy of that gene.
by surfstar
Tue Sep 29, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6904

Re: how do you make your home smell good?

Keep windows open as much as possible. This. Fresh air - accept no substitute! It would weird me out to be parading through new homes during a pandemic, also. That is where you'd want all the windows and doors open for ventilation and hopefully the air would not be stagnant enough to notice any odo...
by surfstar
Fri Sep 25, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 101
Views: 7975

Re: Annual oil changes a must? Car maintenance during these times

The worry is misplaced. Take care of your car. This too shall pass. “Get busy living or get busy dying.” -TheDDC This. Just change it. There's no reason to wait. There is no reason to change it. Reasons to wait: 1. Not necessary. 2. Costs money. 3. Wastes resources. 4. Involves unnecessary trip to ...
by surfstar
Thu Sep 24, 2020 6:17 pm
Forum: Personal Investments
Topic: starting out intelligently.
Replies: 142
Views: 3837

Re: High Dividend for diversification

If you want to add to your portfolio, just buy more VTI.

As for The Aristocrats, I think Gilbert Gottfried's version is quite hilarious.
by surfstar
Thu Sep 24, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 101
Views: 7975

Re: Annual oil changes a must? Car maintenance during these times

1. Don't worry about it and do nothing. 99.9% it'll be just fine for 2 years even B. If you are worried, can you go for a long drive once a month? 30+ mins or longer in cold weather, work the engine a bit, get the oil temp up. If you'd rather not drive for no reason, see #1. *My VW is over 1 year on...
by surfstar
Wed Sep 23, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Pay Realtor Per Showing
Replies: 47
Views: 3291

Re: Pay Realtor Per Showing

Am I the only person who went around looking at houses at open houses by herself? Then I knew what was available, what prices were really, and what I wanted. Yes, it was a hot housing market, but there is always another house on the horizon, and nobody was pushing me to make a decision or hurry up....
by surfstar
Wed Sep 23, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: How big is the used class B RV bubble?
Replies: 8
Views: 2020

Re: How big is the used class B RV bubble?

Wait two years.
Unless you want to buy and use one now - then buy now, enjoy it, and consider it a "use tax" ;)
by surfstar
Wed Sep 23, 2020 3:41 pm
Forum: Personal Investments
Topic: Roth IRA
Replies: 11
Views: 1005

Re: ROTh IRA

Nope.
Why buy one when you can buy them all?!?
VTSAX
by surfstar
Wed Sep 23, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 233
Views: 16937

Re: A simpler car.

1993 Camry

https://www.theonion.com/toyota-recalls ... 1819577805
Toyota Recalls 1993 Camry Due To Fact That Owners Really Should Have Bought Something New By Now
by surfstar
Wed Sep 23, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 233
Views: 16937

Re: A simpler car.

I have a feeling I'm in the minority here but I'm thinking about buying a simpler older car, I recently sold my (2007) car I really liked I had all the bugs worked out but the paint was starting to go and I didn't want to spend $3k. I bought a 2015 car it had a transmission issue that I fixed but I...
by surfstar
Tue Sep 22, 2020 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to cash an estate check when there is no estate?
Replies: 18
Views: 1844

Re: How to cash an estate check when there is no estate?

No hassle options:
Small check? Mobile deposit.
Larger? ATM deposit.

Bigger than that - not sure.
by surfstar
Tue Sep 22, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score mystery
Replies: 26
Views: 2092

Re: Credit score mystery

When you review the docs, you'll see the credit report. They're required to provide a copy of it when they run your credit. That should let you know what system it is from.
by surfstar
Tue Sep 22, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 194
Views: 19610

Re: Just Ordered Peloton Bike

https://www.marketwatch.com/story/pelot ... =home-page

Peloton stock down as Amazon unveils $499 Echelon bike.
Trying to corner another market? :twisted:
by surfstar
Thu Sep 17, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13814

Re: Is it worth to relocate for retirement?

All these mentions of what folks are paying in property tax has made me jealous! I pay $14k/year here in Calif and that is with the increases capped due to prop. 13. We've been in this house for ~20 years, but someone moving in now would pay even more. It was a bit more bearable before SALT went aw...
by surfstar
Wed Sep 16, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 15099

Re: Paying off sub 4% mortgage interest rate early

I am wondering why all the folks with 3.5% - 3.75% mortgages aren’t doing a no cost refi down to 2.75% or so, unless you’re planning to pay it off completely in 2 years or so. I'm at 3.875%, 3 years into a 30 year fixed, and I haven't refinanced because my bank is only offering 3.25% with nearly $4...
by surfstar
Wed Sep 16, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 15099

Re: Paying off sub 4% mortgage interest rate early

I am wondering why all the folks with 3.5% - 3.75% mortgages aren’t doing a no cost refi down to 2.75% or so, unless you’re planning to pay it off completely in 2 years or so. I'm at 3.875%, 3 years into a 30 year fixed, and I haven't refinanced because my bank is only offering 3.25% with nearly $4...
by surfstar
Wed Sep 16, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 16173

Re: what is your side job and income?

none and $0 I don't like working - why would I spend more time doing something I don't like? Find a hobby. If you must have a "side hustle" (the connotations of that term irk me) - find a hobby that might turn a profit or at least break even. Remember, just because some blog or instagram p...
by surfstar
Wed Sep 16, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: First time Home Buyer and Roth IRA
Replies: 19
Views: 1470

Re: First time Home Buyer and Roth IRA

Without going into the mechanics of your specific Roth IRA question, I am here to offer support for "raiding" some of your retirement accounts. We had to tap into a portion of our Roth contributions and also take a TSP loan to get 20% down and avoid PMI. It is worth it to avoid PMI, especi...
by surfstar
Tue Sep 15, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 7357

Re: Coping with Wildfire smoke

Carpinteria air quality has been generally quite good. For some reason the town gets a good onshore flow most of the time so it's quite nice! 43 Right now. Santa Barbara is 157. Ventura is 158. Please don't tell anyone about Carp ;-) https://www.ourair.org/todays-air-quality/ only gives Ozone for C...
by surfstar
Mon Sep 14, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: Strategy for replacing faucet/toilet water shutoff valves?
Replies: 38
Views: 3224

Re: Strategy for replacing faucet/toilet water shutoff valves?

I faced this same dilemma a few years ago. I ended up replacing the toilet shut off valves with the quality Dahl 1/4 turns, when I swapped in new ultra low flow (0.8 gpf Niagara Stealth) toilets. (I believe Kohler has a newer toilet with great reviews I'd go with now, but wasn't out then) These valv...
by surfstar
Mon Sep 14, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 47
Views: 6108

Re: Light Camping Trailer

We looked around at the options for a roughly 2000 pound trailer and ended up with the Alto (from Safari Condo). All aluminum with unique streamlined design that electrically raises when camping and lowers when you travel or want to stow it in the garage. Only downside is that it is very much in de...
by surfstar
Mon Sep 14, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 12049

Re: PSA: switch to LED light bulbs and save hundreds per year

Check your local Dollar Tree for $1 LED bulbs. I was able to replace all the bulbs in our house, including candelabras and floods, from the dollar store. Any time I have gone generic on these they have failed well before their expected life. I've had two Feit LED bulbs from Costco go out within 4 y...
by surfstar
Sun Sep 13, 2020 11:58 pm
Forum: Personal Investments
Topic: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
Replies: 76
Views: 7862

Re: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million

Not talking days, weeks, or months here fellas. Im talking basic investing in common stocks in what you might believe may be the next big winner. Is it airlines? [Political comment removed by Mod Misenplace] Is it BioTech? It's not TESLA, [Implied expletive removed by Mod Misenplace] I get you all,...
by surfstar
Sat Sep 12, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 15099

Re: Paying off sub 4% mortgage interest rate early

No. Why not buy EE bonds instead? 3.5% guaranteed in 20 years, plus potential tax savings of mortgage interest deduction. After 1 year, more liquid than home equity, also. 3% +/- 30 year mortgages should not be paid off early, IMO. Isn’t the current EE bond rate 0.1% for the first 20 years and then...
by surfstar
Fri Sep 11, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 15099

Re: Paying off sub 4% mortgage interest rate early

No.

Why not buy EE bonds instead? 3.5% guaranteed in 20 years, plus potential tax savings of mortgage interest deduction. After 1 year, more liquid than home equity, also.

3% +/- 30 year mortgages should not be paid off early, IMO.
by surfstar
Fri Sep 11, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 12237

Re: Should we buy a $3M+ house with parental help?

wander wrote: Fri Sep 11, 2020 2:16 pm If you can afford it, you can buy what you want too. Life is short.
A 30-year mortgage is long, though.
by surfstar
Fri Sep 11, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 12237

Re: Should we buy a $3M+ house with parental help?

Ah, the gift of debt. Better get moving, the Hedonic Treadmill doesn't walk by itself. Seems to me the gift is less debt, no? $1.5M mortgage vs. $3.0M No. The 3M house is not a need . If I give you $20, but you must take out a loan for $40 and purchase something you might want but not need - did yo...
by surfstar
Fri Sep 11, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 12237

Re: Should we buy a $3M+ house with parental help?

Ah, the gift of debt. Better get moving, the Hedonic Treadmill doesn't walk by itself. Seems to me the gift is less debt, no? $1.5M mortgage vs. $3.0M No. The 3M house is not a need . If I give you $20, but you must take out a loan for $40 and purchase something you might want but not need - did yo...
by surfstar
Thu Sep 10, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 12237

Re: Should we buy a $3M+ house with parental help?

Ah, the gift of debt.

Better get moving, the Hedonic Treadmill doesn't walk by itself.
by surfstar
Wed Sep 02, 2020 4:11 pm
Forum: Personal Investments
Topic: Should I take short term gains and face the taxes?
Replies: 94
Views: 4822

Re: Should I take short term gains and face the taxes?

Cash it all out.

Bet it all on black.


Or is that red?
by surfstar
Tue Sep 01, 2020 9:52 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 520
Views: 43805

Re: What is your age and asset allocation ?

39/41
79/21 +/-

Plan is to increase bonds/FI a couple % each year to be 60/40 at age 50/52 for early retirement.
by surfstar
Mon Aug 31, 2020 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Rent
Replies: 25
Views: 1907

Re: Sell or Rent

If it is anything like our market, the rent is in line. $3k/mo for a $700k property is right on the nose.
Another vote to sell.
by surfstar
Mon Aug 31, 2020 10:18 am
Forum: Personal Investments
Topic: [Can I move out of TSP and avoid tax issues?]
Replies: 24
Views: 1616

Re: [Can I move out of TSP and avoid tax issues?]

Not worth it.

It's not like you are in a 401k/457b plan with .95 ER as your lowest cost index fund, like my previous employer. I now use something in the .25-.45 range (I can't even remember offhand) at my current employer.

To call TSP costs anything beyond "low" is absurd.