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  Topic: Wrecked car, huge insurance/rental company mess. Need advice
oldguy

Replies: 3
Views: 454

Post image iconForum: Personal Finance   Posted: Sat Jul 28, 2018 6:08 pm   Subject: Wrecked car, huge insurance/rental company mess. Need advice
His car was driveable enough to turn it around and drive it to where there was a shoulder to wait for help. He didn't have any cell service, so he had to wait for a state police trooper to find him an ...
  Topic: Buying College Credits for a Child?
oldguy

Replies: 8
Views: 12584

Post image iconForum: Investing, Stocks and Bonds   Posted: Thu Jul 26, 2018 3:43 pm   Subject: Buying College Credits for a Child?
With the increase in college costs, is it worth it to do this, or are the prices expected to drop someday? [quote]

No, not a scam. But not necessarily a good deal. The generic market index (SP500 ...
  Topic: vertical weed barrier
oldguy

Replies: 2
Views: 344

Post image iconForum: The Blue Room   Posted: Mon Jun 25, 2018 9:07 pm   Subject: vertical weed barrier
I doubt that a barrier will stop it, it is a very persistent weed, capable of going under/over/thru. IMO, a systemic root killer, such as Roundup, sprayed precisely on the path surface (use a vertical ...
  Topic: Fridge not cold
oldguy

Replies: 2
Views: 416

Post image iconForum: The Green Room   Posted: Sun Jun 17, 2018 5:23 pm   Subject: Fridge not cold
Pay about $75 to a appliance repairman to get a diagnosis. If the compressor has failed,, it is time for a new fridge. But if the compressor/ the lines /the evaporator / or the condenser has a ref ...
  Topic: Are you sick of living the same way, financially.
oldguy

Replies: 1
Views: 508

Post image iconForum: Earning & Income   Posted: Sat Jun 02, 2018 5:07 pm   Subject: Are you sick of living the same way, financially.
a normal job is going back home I hate it. I'm getting bored

Depends on your version of "normal". If 'normal' is an entry-level retail job, then, yeah, it's gonna be boring. If "normal" is a defe ...
  Topic: A 401K
oldguy

Replies: 5
Views: 708

Post image iconForum: Earning & Income   Posted: Thu May 31, 2018 4:26 pm   Subject: A 401K
When you learn to speak about Politics, Economics, Federal Reserve, then we can talk

OK. There is one important concept that you would like - the Dr Art Laffer Theory. It explains the workings of ...
  Topic: A 401K
oldguy

Replies: 5
Views: 708

Post image iconForum: Earning & Income   Posted: Wed May 30, 2018 10:13 pm   Subject: A 401K
The things you say has no reason what so ever.

You really should go to your community college and take a math class - that would help you to understand the basic mathematical flaw behind pyramid sc ...
  Topic: A 401K
oldguy

Replies: 5
Views: 708

Post image iconForum: Earning & Income   Posted: Tue May 29, 2018 8:47 pm   Subject: A 401K
They want me sitting in a nice office fancy suit and want to pay me well, for what to live unhealthy and by the way I'm sick of being in the same place every ****** day. I don't like brainwashing myse ...
  Topic: Pay off low interest Car Loan?
oldguy

Replies: 8
Views: 1367

Post image iconForum: Credit & Loans   Posted: Sat May 26, 2018 4:08 pm   Subject: Pay off low interest Car Loan?
Can you explain that in a little more detail?

The concept is to avoid using your available money to prepay loans - and instead use it to earn new money.
In your case you would invest the $6500 at ...
  Topic: Pay off low interest Car Loan?
oldguy

Replies: 8
Views: 1367

Post image iconForum: Credit & Loans   Posted: Thu May 24, 2018 11:18 pm   Subject: Pay off low interest Car Loan?
Here's what I do.

I have an Index Fund that has an average long term return of 11%/yr. When I buy a new car, I leave my own $35k in that fund and I finance 100% of the new car for 5 years. At 2%, ...
  Topic: What to do with my previous jobs' 401ks? (I'm in my 20s)
oldguy

Replies: 2
Views: 695

Post image iconForum: Retirement Planning   Posted: Thu May 10, 2018 5:42 pm   Subject: What to do with my previous jobs' 401ks? (I'm in my 20s)
I would put the entire $4.5k into your Fidelity account and invest it 100% in Fidelity's SP500 Index Fund.
As for the 33% in various sectors - at your age I would avoid that. Your have roughly 30 m ...
  Topic: About to receive a large settlement. What to do with the $$?
oldguy

Replies: 6
Views: 7055

Post image iconForum: Personal Finance   Posted: Thu May 10, 2018 2:40 pm   Subject: About to receive a large settlement. What to do with the $$?
I wonder what the OP did 7 years ago?
If he put that $150k into the SP%)) Index Fund he would have $341k today. Very Happy
  Topic: tiny house building
oldguy

Replies: 3
Views: 482

Post image iconForum: The Blue Room   Posted: Mon May 07, 2018 10:13 pm   Subject: tiny house building
Why not use a motorhome, they are designed for highway use? And they are already invented.
  Topic: Move to LA
oldguy

Replies: 3
Views: 594

Post image iconForum: The Green Room   Posted: Mon May 07, 2018 8:08 pm   Subject: Move to LA
https://www.curbed.com/2018/2/27/17058006/california-housing-crisis-rent-migration-texas

Calif has been experiencing a net exodus for over a decade. For you, that means that a one-way truck to Cali ...
  Topic: Taking Loan out of 403b Retirement Account
oldguy

Replies: 4
Views: 955

Post image iconForum: Credit & Loans   Posted: Sat May 05, 2018 6:52 pm   Subject: Taking Loan out of 403b Retirement Account
No, it doesn't make much sense to pay 4.75% to rent money and then use it to pay off 2% money - that is an immediate 2.75% loss. As for the "it goes back to me" theory - if you like that why not pay ...
 
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