cheese_breath wrote:Every 4,000-5,000 miles. This is less than the manufacturer's recommendations, but after a couple bad experiences following their recommendations I figure being a little on the safe side is worth a few extra bucks per year.
E.g. do you really expect a spouse whom you insisted sign a prenup will spoon feed you or change Depends?
And yes it makes sense to use one estimated return--
In the long term wages also track inflation, so a paid-off property gets a real rate of return equal to the inflation rate. This is roughly equal to the rate of return of stocks.
The problem with this is that you reach a threshold where it can't really get any harder...you are rowing at such a speed that the the fan does not have enough resistance to keep up.