Bogleheads.org

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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...

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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.

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#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.

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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...

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Well, once you've cut off your nose to spite your face, the dog food might not smell as bad.

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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 ...

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+/- 50%

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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...

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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...

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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 ...

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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...

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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 ...

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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.

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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...

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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...

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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...

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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.

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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...

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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 ...

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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.

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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...

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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....

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Wait two years.
Unless you want to buy and use one now - then buy now, enjoy it, and consider it a "use tax"

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Nope.
Why buy one when you can buy them all?!?
VTSAX

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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

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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...

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

Bigger than that - not sure.

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Submit a FOIA request?

(assuming Gov't employer)

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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.

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

Peloton stock down as Amazon unveils $499 Echelon bike.
Trying to corner another market?

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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,...

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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...

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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.

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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.

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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...

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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...

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Ah, the gift of debt.

Better get moving, the Hedonic Treadmill doesn't walk by itself.

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Cash it all out.

Bet it all on black.

Or is that red?

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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.

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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.

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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.

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