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Re: High(ish) earner; spending too much?

How do you spend 50k on vacations?
by countofmc
Sun Dec 07, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 68
Views: 7239

Returning to college at age 32: Help picking a major

So I'm actually asking this on behalf of a good friend of mine. We've been friends since high school, and have kept in touch since then. While myself and most of my peers after high school went to college, this friend did the "LA thing". He moved to Los Angeles in the hopes of becoming an ...
by countofmc
Sun Dec 07, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Returning to college at age 32: Help picking a major
Replies: 19
Views: 1204

Re: Exercise machine for small apartment?

Perhaps my thinking is simplistic, but it seems like the stairs are a built in cardio exercise for someone who lives on the top floor of a complex, and totally free as well. Make it a challenge to see how many reps you can do if you need motivation. Reminds me of my college days, I lived on the 8th...
by countofmc
Fri Dec 05, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2015

Re: Exercise machine for small apartment?

Man, I love rowing, but that Concept Rower is a bit expensive for my taste. Had no idea they were that pricey!

For those of you who use dumbbells. For adjustable dumbbells, is Powerblock still the gold standard (I had a pair 10 years ago)? Or are there better ones out now?
by countofmc
Thu Dec 04, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2015

Re: Share your networth progression

My progression: 1/1/09: -$210K (started working this year) 1/1/10: -$120K 1/1/11: -$35K 1/1/12: $150K 1/1/13: $300K 1/1/14: $510K 8/1/14: $690K (retired) I averaged income a bit over $200K/year and had substantial investment/trading gains to help. If you include my wife's assets, we are over $1mn. ...
by countofmc
Thu Dec 04, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 24125

Exercise machine for small apartment?

Looking for recommendations for a good exercise machine I can have in my small 1 br apt. I'd like to have it for a quick workout for those days I don't make it out to the gym. I live on the top floor now, so noise considerations matter as well. I used to have a set of adjustable dumbbells and a weig...
by countofmc
Wed Dec 03, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2015

Re: Apple Stores - do they try to be awful?

I wonder if this is a generational thing. I'm in my early 30s, and I prefer to be ignored when I walk into stores. If I need help, I just ask for it. As Apple customers my skew young, maybe this is why they act somewhat aloof. In addition, most people I know just use the stores as showrooms, much li...
by countofmc
Tue Nov 18, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 3948

Re: 27 yr old reaches $1m net worth [Update: with inheritanc

FWIW, my friend had >$1million at 27 w/o any inheritance (high-paying job + got lucky picking stocks). AFAIK I have no friends (I'm in my early 30s) that have a million, but I know quite a few that probably have about half of that thanks to buying homes here in the Bay Area during the 2009-2011 per...
by countofmc
Tue Nov 18, 2014 12:00 am
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 11723

Re: Need help for spending hard-earned money wisely

I'm of East Asian descent as well, so I do understand some of the cultural factors going into your decision to help out your parents. Assuming you are from Japan, Korea, or China (apologies if not), I have read many articles recently that despite cultural factors, things are tough for people in thei...
by countofmc
Sat Nov 15, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help for spending hard-earned money wisely
Replies: 18
Views: 2491

Re: Great camera to take pics?

RX100 Mark I. Seen it as low as $399, maybe lower.

I get pictures just as good as a APS-C DSLR with decent lens.

Can also get very good low-light shots if you stay on the wide end and use the f/1.8.
by countofmc
Wed Nov 12, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 5440

Re: Merc or BMW?

I had a 3-series for about 6 years, a sibling has owned a C-class for about 5 years as well. Both have been fairly reliable in the sense that neither car has left anyone stranded anywhere or anything like that. But yes, routine maintenance and repairs are EXPENSIVE, when compared to Japanese counter...
by countofmc
Fri Nov 07, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 7163

Re: 27 yr old reaches $1m net worth

I really enjoyed that article, as I have tried to follow a similar path. This guy is much more determined and has achieved much better/quicker results than I've had though. I also started maxing out a Roth IRA at 18 and was determined to become a millionaire by age 30 from a very young age after st...
by countofmc
Wed Nov 05, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 11723

Re: Re-buying a car I previously sold

I'll bump this just once.
by countofmc
Wed Nov 05, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Re-buying a car I previously sold
Replies: 3
Views: 1111

Re: 27 yr old reaches $1m net worth

Good for him, but I think it would behoove him to stop broadcasting to everyone how much money he has. Be proud of your accomplishments, but don't stroke your ego by telling everyone how rich you are. Seems like his intention is to gain publicity for his website. He's probably trying to be the next...
by countofmc
Wed Nov 05, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 11723

Re: Too much house?

Which neighborhood and how far is it from your job?
by countofmc
Tue Nov 04, 2014 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too much house?
Replies: 10
Views: 2114

Re: 27 yr old reaches $1m net worth

A lot of real estate equity in there. Most likely overstated. I review personal financial statements every day and most people are delusional about what their real estate is worth. Looks like he has two properties, and the bulk of the equity is tied to property one. Says he purchased the condo in S...
by countofmc
Tue Nov 04, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 11723

Re: 27 yr old reaches $1m net worth

nelson1015 wrote:A lot of real estate equity in there.


Well even without that he's almost at $500k, which is very impressive for a person his age.

Terrific story.
by countofmc
Tue Nov 04, 2014 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 11723

Re: For a 31.5 year old single guy, how am I doing?

BTW, don't beat yourself up over the car loan. A lot of the frugal minded will tell you to purchase a used car for $5000, but when you are a young guy in your early 30s, who the heck wants to do that? Let me guess, you bought come fun entry-level luxury car like a BMW 3 series or Audi A4 right? The ...
by countofmc
Sun Nov 02, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: how am I doing?
Replies: 36
Views: 4216

Re: For a 31.5 year old single guy, how am I doing?

I think you are doing fine. As far as not being able to afford a home here (I live in the Bay Area as well), that seems more of a choice thing for you than a financial thing. That money sitting overseas would be a good down payment, and your income would be enough for a mortgage payment on something...
by countofmc
Sun Nov 02, 2014 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: how am I doing?
Replies: 36
Views: 4216

Re: Re-buying a car I previously sold

Nope, family transfers are exempt from smog requirement!
by countofmc
Fri Oct 31, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Re-buying a car I previously sold
Replies: 3
Views: 1111

Re-buying a car I previously sold

Just a couple of months ago, I sold one of our cars to my parents. In California this is a family transfer so avoids sales tax and some other stuff. My parents have had a sudden change of circumstances so need to sell that car, so I've offered to buy it back from them. Looks to be the same thing, a ...
by countofmc
Fri Oct 31, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Re-buying a car I previously sold
Replies: 3
Views: 1111

Re: $116k Med School Debt - Pay Off or PSLF?

Generally my opinion is to delay gov't student loans even if the interest rates are quite high, due to the flexibility of IBR and various forbearance options. But you have such a low debt burden compared to your income, plus I'm guessing jobs will be stable going forwards. So for you I'd echo the ot...
by countofmc
Thu Oct 30, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 44
Views: 2696

Re: The safest 4 door sedan out there

Epsilon Delta wrote:How about a Rolls-Royce Phantom? Almost a ton heavier than the E class.


This has to be the winner
by countofmc
Wed Oct 29, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4632

Re: The safest 4 door sedan out there

I am confused, is your question rhetorical? No I am not being rhetorical. I simply do not know where one might go to get the definitive answer to the question as to which is the safest car for 2014. And I am not sure that the website referenced has all the necessary credentials to answer the questi...
by countofmc
Wed Oct 29, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4632

Re: The safest 4 door sedan out there

Also, looks like the NHTSA frontal crash test really did the Accord in. Which is strange, because it aced the offset tests from IIHS, and I also believe is one of the few (if not only) midsize sedans to get a Good rating on their small-overlap crash test or whatever it's called. http://www.iihs.org/...
by countofmc
Wed Oct 29, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4632

Re: The safest 4 door sedan out there

I am confused, is your question rhetorical? You are using this website to suggest the Accord and Altima are not safe, and then ask which 4dr sedans ARE, but then the answer is staring you in the face if you go to the website - all 4 2015 models listed there are 4dr sedans. In 2014 it looks to be the...
by countofmc
Wed Oct 29, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4632

Re: Possible Relocation to San Francisco - Advice?

Just stating the obvious- San Francisco is not the entire Bay Area. The interesting thing about the Bay Area is that the environment can change almost city to city, and even the weather! I live in Silicon Valley, and even here, you can get a different vibe in Palo Alto from say, Mountain View. I fee...
by countofmc
Wed Oct 29, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to San Francisco - Advice?
Replies: 23
Views: 1667

Re: If holding cash, do you want a Great Depression?

Maybe? I guess the biggest threat would be a complete social breakdown so that even your cash becomes meaningless.

I think maybe another 2008-style financial crisis is what would be more in line with what you'd "want".
by countofmc
Mon Oct 27, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 4156

Re: Feeling rich to feeling poor overnight

The Bay Area is to the rest of the US what the US is to Subsaharan Africa in many ways.[...] +1000! I have friends in the Bay Area whose Facebook posts sometimes make absolutely no sense to me - it is as if they don't have a clue as to how the rest of the USA is faring currently. That is very troub...
by countofmc
Mon Oct 27, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11075

Re: Feeling rich to feeling poor overnight

Your first problem is you thought you were "rich" with an income of just about 6-figures in the San Fran bay area... baahahaha by all standards, that is bairly average in the area if not below. I think the last time I pulled out an "income equivalent" calculator just over 6-figu...
by countofmc
Mon Oct 27, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11075

Re: Done with Honda, not sure what next car should be?

I plan on just wearing a flak jacket in my Accord. Most of the deaths were caused by injuries to the face/neck area, so you might want to add a helmet as well. Of course, you could also refrain from trying to joke about a situation that has killed and/or injured hundreds so far. Unless you were ser...
by countofmc
Mon Oct 27, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

I plan on just wearing a flak jacket in my Accord. Most of the deaths were caused by injuries to the face/neck area, so you might want to add a helmet as well. Of course, you could also refrain from trying to joke about a situation that has killed and/or injured hundreds so far. Unless you were ser...
by countofmc
Mon Oct 27, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

I have reached the same conclusion but not because of the recall. My wife had paintc chipping on her newish honda. It was covered under warranty. Come to find out, they wouldn't pay for a rental car, and it would take a week to have it done. We paid for the rental and at the end of the week the car...
by countofmc
Mon Oct 27, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

fandango wrote:Before you Make a move to Toyota: remember the braking and surging problem that has been going on for years but has never been fully resolved.


Toyotas are still suffering from these issues?!
by countofmc
Sun Oct 26, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

For what it's worth, CLARK HOWARD says that you can get a Nissan leaf very cheaply, after tax credits etc. And that they are in good supply. Not a bad alternative to the Tesla if you are a "value player". I'm more of an "old-tech" guy, not sure if an electric is right for me. I ...
by countofmc
Sun Oct 26, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

I'm happy with my certified used Subaru Forester. I've received one recall notice about potential brake line corrosion; the dealership inspected my car and advised nothing's wrong. As an aside, my car developed an annoying rattle just out of the full 3 year warranty period. Subaru of America paid t...
by countofmc
Sun Oct 26, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

I'm happy with my certified used Subaru Forester. I've received one recall notice about potential brake line corrosion; the dealership inspected my car and advised nothing's wrong. As an aside, my car developed an annoying rattle just out of the full 3 year warranty period. Subaru of America paid t...
by countofmc
Sun Oct 26, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

Several people seem to be indicating that their cars are subject to recall but cannot be fixed yet due to parts being unavailable. This seems highly problematic. So basically drivers are being asked to continue to drive cars that may have a serious safety issue? The issue is related to relative hum...
by countofmc
Sun Oct 26, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Feeling rich to feeling poor overnight

I live in the SF Bay Area. My opinion would be to avoid a longer commute if at all possible. I've lived and worked both in the city and also in Silicon Valley. I had coworkers that would commute from all over - San Jose to SF, SF to Silicon Valley, East Bay to Silicon Valley, vice-a-versa, and all s...
by countofmc
Sun Oct 26, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11075

Re: Done with Honda, not sure what next car should be?

I own a 2002 Honda CRV, and yes the exploding airbag is not a new problem. I entered my VIN on Honda website to check recalls and found that the driver airbag had been serviced in 2011 as the result of a recall that involved exactly the same problem as the current exploding passenger side airbag. I...
by countofmc
Sun Oct 26, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

Did you read the NY Times article I linked in my OP? I'd love to hear your reaction to the article, as my primary concern regarding Honda is that they may have known about these airbag issues as early as 2004 (at least according to the reporting). I'm not too bothered (yet) by what's going on now i...
by countofmc
Sun Oct 26, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

For example, my reservations with Hyundai have nothing to do with the corporation and everything to do with the attitudes of the local dealership. As if the reviews weren't bad enough, they basically admitted to a local newspaper that their service department would not provide prompt warranty servi...
by countofmc
Sat Oct 25, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

c078342 wrote:We've owned VW products (now including Audi and Porsche) for 37 years. In my remembrance,they have been recalled 2 or 3 times, never for anything I considered serious. German cars are superior.


I may consider VW.
by countofmc
Sat Oct 25, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

A couple of points about the airbag recalls. First, be careful when comparing different company's responses. Honda has about 6 times as many affected vehicles as Toyota. Relative to market share it looks like BMW has by far the largest percentage of vehicles affected. IMHO this is mostly a matter o...
by countofmc
Sat Oct 25, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

Maybe this is a cynical way of looking at things, but shouldn't a company that just went through a lot of litigation and criticism over a recall the best company to buy a car from. since they will be under strict scrutiny? Yea, you might be onto something. Toyota seems to be really quick with the r...
by countofmc
Sat Oct 25, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

I guess I'm just hoping there's a car company out there that (as sad as this sounds) might be an exception to the rule at this point. A company that may actually put quality/safety over profits, and has a company culture that may reflect these views. Ha! I don't think such a thing exists. I jumped ...
by countofmc
Sat Oct 25, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

Cars are driven by people. The guiding principle behind everything we make at Volvo, therefore, is and must remain, safety ... http://en.wikipedia.org/wiki/Volvo_Cars#History Yep, Volvo actually came to mind, but then I found this: http://wheels.blogs.nytimes.com/2012/07/03/government-fines-volvo-1...
by countofmc
Sat Oct 25, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

Personally I would not blame any particular brand. From what I have heard the problem is systemic to our economic system, and corporate/political agendas. Look at the length and severity of the GM ignition switch cover-up. Nobody wanted to take responsibility for their actions. GM is one of the lea...
by countofmc
Sat Oct 25, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

Media has blown all recent recalls completely out of the water. Recalls happen with every brand and almost every model at some point. I've worked in the automotive industry for 15 years, when I started we had binders of paper recall notices for dealers to reference before everything was online,one ...
by countofmc
Sat Oct 25, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666

Re: Done with Honda, not sure what next car should be?

Not answering your question, but I'm intrigued that your dealership is able to repair this--my understanding that there was a kind of limbo here where they'd identified the likely problem airbags but didn't have repair parts disseminated yet. Maybe that's only a portion? When I checked on my Civic,...
by countofmc
Sat Oct 25, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7666
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