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  Topic: Fridge not cold
oldguy

Replies: 1
Views: 66

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: 230

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: 359

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: 359

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: 359

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: 4
Views: 420

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: 4
Views: 420

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: 394

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: 6550

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: 262

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: 369

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: 597

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 ...
  Topic: 313,000 new jobs were added outside the agricultural sector
oldguy

Replies: 2
Views: 2038

Post image iconForum: Personal Finance   Posted: Thu Apr 26, 2018 11:16 am   Subject: 313,000 new jobs were added outside the agricultural sector
technical and it also lacks vibtancy

Ummm - maybe his goal was to communicate solid technical data (which he did) and not fool with the prose, poetry, vibtancy ?
  Topic: Is There Any Retirement Planning Software that Can Handle In
oldguy

Replies: 2
Views: 461

Post image iconForum: Retirement Planning   Posted: Thu Apr 26, 2018 10:53 am   Subject: Is There Any Retirement Planning Software that Can Handle In
retirement planning tools that are out there, but it seems like the few I've come across, none of them have the ability to include indexed annuities in a retirement plan.

I like Ken Fisher's TV ad ...
  Topic: NS&I Bonds v cash in the bank?
oldguy

Replies: 2
Views: 413

Post image iconForum: Investing, Stocks and Bonds   Posted: Wed Apr 18, 2018 6:10 pm   Subject: NS&I Bonds v cash in the bank?
NS&I Issue 56 growth bond pays 2.2% on 3 years, is 100% protected, and I can get at it if I need to with a 90 day interest penalty. Is there any better option?

The answer depends on your goal ...
 
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