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Re: How can I stop feeling depressed about my finances?

I've read a paper about the Facebook depression . People report on Facebook the best parts of their lives. When you read about the best parts of many people's lives, you tend to think that everybody has a better life than you do. Understanding how Facebook works does not help dealing with the Faceb...
by countofmc
Tue Sep 30, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 5937

Re: How can I stop feeling depressed about my finances?

As others have pointed out, trying to outdo others or compare yourself to them is a black hole. Heck, some people consider the greatest accomplishment in life as "being remembered". But even that, how many will accomplish? Will people know or care who people like Bill Gates or Michael Jord...
by countofmc
Mon Sep 29, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 5937

Re: How Long Should I Keep My Car?

A thought I've had recently is whether our paradigm about car ownership will change as the years go by, towards a more "disposable" model. Your average midsize car like a Camry or Accord have actually gone down in price when taking into account inflation, and you also get a lot more standa...
by countofmc
Mon Sep 29, 2014 3:03 am
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 39
Views: 2458

Re: Car (new OR old) for mother & baby

Generally bigger is safer as long as you have stability control. Can't beat the laws of physics. So I'd stick to an SUV. Volvo XC60 seems really impressive with the safety equipment and the crash test results, but probably doesn't really fit your cost of ownership criteria. Among Japanese cars, the ...
by countofmc
Sun Sep 28, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Car (new OR old) for mother & baby
Replies: 19
Views: 1064

Re: Those under 35 with a child 5 or under: Costs of child?

livesoft wrote:Many daycares will give higher quality and more enriching care than a stay at home parent would.


I am afraid this is going to touch off a storm so I am going to exit my own thread, but thanks to all who shared their experiences, it was very helpful!
by countofmc
Sun Sep 28, 2014 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 51
Views: 3157

Re: Those under 35 with a child 5 or under: Costs of child?

I'm 32. I wanted to hear the experiences of those around my age who have had children fairly recently. I wanted to narrow the responses because for general childcare cost info, there's plenty of threads. I also frankly was not interested in hearing about how much it cost 10-15 years ago to raise a ...
by countofmc
Sun Sep 28, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 51
Views: 3157

Re: Those under 35 with a child 5 or under: Costs of child?

First many will say their daycare expenses are low or zero due to a spouse not working, this actually is the single most expensive daycare you can purchase because you give up your spouse's entire earning potential and your spouse incurs an employment gap. If your spouse is capable of earning 30K p...
by countofmc
Sun Sep 28, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 51
Views: 3157

Re: Those under 35 with a child 5 or under: Costs of child?

I'm 32. I wanted to hear the experiences of those around my age who have had children fairly recently. I wanted to narrow the responses because for general childcare cost info, there's plenty of threads. I also frankly was not interested in hearing about how much it cost 10-15 years ago to raise a c...
by countofmc
Sun Sep 28, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 51
Views: 3157

Re: How Long Should I Keep My Car?

From my personal experiences, I'd say around 4-6 years, 50-70000 miles is when I started getting some fairly large repair/ maintenance bills. And then things kind of leveled out, and I didn't have major problems after that. But I've only had two "old" cars (got rid of at 12 years 130,000 m...
by countofmc
Sun Sep 28, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 39
Views: 2458

Re: Those under 35 with a child 5 or under: Costs of child?

Recent thread this month: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=147221&p=2197131 You might summarize here what that thread had that was useful to you. For instance, I gave actual dollar amounts for a top-rated day care for children under 5. Thanks. I am absolutely floored by ...
by countofmc
Sun Sep 28, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 51
Views: 3157

Those under 35 with a child 5 or under: Costs of child?

I am trying to wrap my head around exactly how much raising a child costs these days. I'd appreciate info on how much you spend roughly every month on your children. I'm interested in direct costs (diapers, clothes, etc) and also indirect costs (the choice to buy a larger car or move to a larger res...
by countofmc
Sun Sep 28, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 51
Views: 3157

Re: Advice for student buying cheap used car

You might be able to find a good deal on a Pontiac Vibe, which is really a Toyota Matrix with slightly different exterior. Somewhat less "name premium" than the equivalent Toyota, with the same engine/transmission. Sadly, there aren't too many other models that fit in this category. Geo P...
by countofmc
Tue Sep 23, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3130

Re: Advice for student buying cheap used car

In my area, the 2001-2003 Mazda Proteges are around or just below $3000, partially because the next generation was called the Mazda 3. The 2005-2006 Scion Xb has stability control and is in the $3500-4500 price range. Whoa, if you can get a 2005-2006 Scion of any type in that price range I'd go for...
by countofmc
Mon Sep 22, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3130

Re: Advice for student buying cheap used car

I personally don't think the reliable Japanese cars are good deals when they get super old like that. I think Hondas/ Toyotas are good for getting new and driving into the ground, or buying slightly used when that heavy initial depreciation has already taken place, but while the car still has a lot ...
by countofmc
Mon Sep 22, 2014 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3130

Re: When did you feel "Out of the Woods"?

I think you are asking the wrong forum. People that post here by nature are the types that will never feel "out of the woods" financially. I mean heck every once in a while you have the "am I ready to retire" threads where the poster has a 2 million dollar nest egg with a pension...
by countofmc
Sat Sep 20, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5326

Savings rate, when you start, withdrawal rate > AA

I often see scattered around several different threads, the idea that it's much more important to save as much as you can, start early, and then maintain a SWR during retirement than obsess over asset allocation. Is there a short article or maybe a really good thread here that kind of summarizes tha...
by countofmc
Fri Sep 19, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Savings rate, when you start, withdrawal rate > AA
Replies: 3
Views: 455

Re: Low Gas Prices => Deals on Hybrid/Electric Cars

Bay Area Toyota dealers are basically giving away 2014 Priuses right now. I'm seeing 4-5k off MSRP
by countofmc
Fri Sep 19, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Low Gas Prices => Deals on Hybrid/Electric Cars
Replies: 7
Views: 681

Re: Any success stories of ppl who never made >$50,000?

"Success is peace of mind which is a direct result of self-satisfaction in knowing you did your best to become the best you are capable of becoming." - Coach John Wooden

By that very apt definition, I'm sure there are lots of successful people who never made more than $50,000.
by countofmc
Wed Sep 17, 2014 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10004

Re: Hamilton watches, worth the money?

I wouldn't wear a chrono watch with a suit, btw. I'd get a dress watch. The Hamilton Intra-Matic is comfortably within your budget, is a thin dress watch, looks classy, and sports the ETA 2892 movement, considered one of the finer workhorse movements. I checked this out, looks nice but definitely c...
by countofmc
Mon Sep 15, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9747

Re: Hamilton watches, worth the money?

I wouldn't wear a chrono watch with a suit, btw.

I'd get a dress watch. The Hamilton Intra-Matic is comfortably within your budget, is a thin dress watch, looks classy, and sports the ETA 2892 movement, considered one of the finer workhorse movements.
by countofmc
Mon Sep 15, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9747

Re: Repair/maintain the BMW or get a new car?

I ended up selling the BMW to a good friend, and purchasing a base model Accord for a very good price and 0.9% financing. Pretty happy with my decision so far. No comparison in how these cars drive, but I just couldn't justify keeping a car like a BMW to be basically a garage queen. I hope the good...
by countofmc
Mon Sep 15, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2186

Re: Hamilton watches, worth the money?

They are generally the cheapest way to get into Swiss watches featuring ETA movements. The brand itself also has a long storied history and is respected in the world of horology. That being said I think Seiko and Citizen automatics are much better values if you can live without the Swiss Made design...
by countofmc
Mon Sep 15, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9747

Re: Repair/maintain the BMW or get a new car?

I ended up selling the BMW to a good friend, and purchasing a base model Accord for a very good price and 0.9% financing. Pretty happy with my decision so far. No comparison in how these cars drive, but I just couldn't justify keeping a car like a BMW to be basically a garage queen.
by countofmc
Mon Sep 15, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2186

Re: Repair/maintain the BMW or get a new car?

So I just tried to do some simple calculations and crunch some numbers. According to intellichoice, a new Accord LX (the base model) will depreciate about $11,000. My BMW will depreciate about $8000 over the same time span (I had to just guess this, I compared my current KBB trade-in value to the tr...
by countofmc
Sat Sep 13, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2186

Re: Getting an independent mechanic check on a CPO car?

You've raised an interesting question. For those of us who might need a replacement vehicle in the future, but clearly do not need a "new" car, how do we react? I, for one, have no "independent mechanic" on retainer. How might I find one? All these posts advising that one have &...
by countofmc
Thu Sep 11, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Getting an independent mechanic check on a CPO car?
Replies: 4
Views: 396

Getting an independent mechanic check on a CPO car?

So generally getting your own mechanic to check out a used car before you buy it is advised. Is there a way to get this done with dealer-sold CPO cars though? I guess mechanical issues might not be as big of a deal because these CPOs usually come with pretty good warranties, but I'd be more concerne...
by countofmc
Thu Sep 11, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Getting an independent mechanic check on a CPO car?
Replies: 4
Views: 396

Why COULDN'T we just retire on Social Security?

We are in our early 30s, so not going to affect us for a while. Plus I know I'm making assumptions regarding the validity and form of SS. But average SS pay out is around $1200. And that goes up with inflation. If my wife and I continue to work until SS age, there's no reason to think we wouldn't bo...
by countofmc
Thu Sep 11, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6016

Re: Besides pay and mobility, great job: What to do?

BL wrote:
a Federal gov't job or something.


This might be just the ticket to working in law or related work if she is interested!


Yep, that is the one employer she keeps trying for, although it seems to be tough to land a job with the Feds
by countofmc
Thu Sep 11, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Besides pay and mobility, great job: What to do?
Replies: 11
Views: 1143

Re: Besides pay and mobility, great job: What to do?

It seems to me that she is rapidly approaching the point where she will not be able to be a lawyer (i.e. enough years out and no one will ever hire her) so if that is a goal in life, she better do it now rather than later. She feels like that ship may already have sailed. She graduated 5 years ago ...
by countofmc
Wed Sep 10, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Besides pay and mobility, great job: What to do?
Replies: 11
Views: 1143

Besides pay and mobility, great job: What to do?

Seeking career advice for my wife. We've been discussing her job/ career for a while and are kind of stumped over what would be the best course of action going forward, so decided to seek the advice of wide Bogleheads. My wife graduated from law school a couple of years ago. She was not able to find...
by countofmc
Tue Sep 09, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Besides pay and mobility, great job: What to do?
Replies: 11
Views: 1143

Repair/maintain the BMW or get a new car?

I have a 2008 BMW with about 40k miles on it. I drive sparingly now as I live close to work (maybe 3k miles a year). So far the car has been reliable and hasn't cost me much (mainly thanks to the free maintenance for the first 4 years), but now it's time to pay the piper. The brakes are worn down, t...
by countofmc
Tue Sep 09, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2186

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

I would think just about every dealer would allow you to try it on the highway (as long as it wasn't 30 miles away). Nope. The Toyota dealers around (with dealerships right next to the freeway) have specific inside-the-city loops that will take you on a sightseeing trip of all the speed bumps in th...
by countofmc
Thu Aug 28, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 4238

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

Make sure you test drive these cars. From what I've read, the common complaints regarding these cars were addressed for this generation. For example, a major criticism of the Accord has been road noise (I can attest to this, I have an older Accord and it is LOUD at highway speeds). I think Honda wor...
by countofmc
Mon Aug 25, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 4238

Re: Kimchi

Those of you that ferment foods at home, isn't this quite dangerous? Seems like a high botulism risk, ala home-canning.
by countofmc
Thu Aug 21, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 1893

Re: Good place to buy eyeglasses without insurance?

I like Warby Parker's home try on program. You browse their website, pick 5 pairs to try for 5 days with free shipping both ways. And, if you like them then you order them. They only offer their brand of frames, right? Their service and price seem to get really good ratings, but I've heard mixed op...
by countofmc
Thu Aug 21, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2551

Re: Good place to buy eyeglasses without insurance?

i know zenni optical (online) has some cheap options, some even have a try on for free option too. Can you wear your old pair until your insurance cycle starts over? Just got new glasses from lenscrafters, it was about $350-400 per pair before insurance reimbursement but they were running a 50% off...
by countofmc
Thu Aug 21, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2551

Re: Good place to buy eyeglasses without insurance?

livesoft wrote:I recently bought online, but it took awhile because the glasses came from Hong Kong. They were progressives, name-brand frame, add-ons. So if you buy online, be sure to be aware of time it takes.


May I ask which website? I heard they do a really good job with eyeglasses in Asia.
by countofmc
Thu Aug 21, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2551

Good place to buy eyeglasses without insurance?

I wear eyeglasses (near-sighted) for every waking moment. I generally get an eye exam and new glasses every 2-3 years. Just a couple of months ago I bought a new pair, but recently suffered an unfortunate mishap and destroyed my glasses. So I need a new pair. I already used my insurance benefits, so...
by countofmc
Thu Aug 21, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2551

Re: Retirement luxury vehicle

I was test driving a Mercedes C250's with my daughter last weekend - very nice car, easy to drive, safe, not too big and quick - lease return w/ warranty left are available for low 20's. CLA too new, unproven? I apologize as I'm kinda working off a "stereotypical" retired older lady model...
by countofmc
Wed Aug 13, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4524

Re: Any Opinions on Mirrorless Cameras?

Nice summary countofmc, Samsung is another brand I looked closely at, the NX 2000 model. Amazon has a nice pink one for $299 with kit lens. Wife would like pink :happy I found several reviews where the Samsung got a refused to recognize lens error. That scarred me away from that model though the pr...
by countofmc
Wed Aug 13, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2110

Re: Retirement luxury vehicle

Kinda vague, lots of cars fit your description if you are willing to go used/ CPO. I'd say a used ES350 is as good as anything though.
by countofmc
Wed Aug 13, 2014 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4524

Re: Any Opinions on Mirrorless Cameras?

Should break it down by system : Nikon - Their mirrorless cameras use 1 inch sensors (same as in the Sony RX-100), so IQ suffers compared to some other brands. I'd say Nikon isn't very compelling in this area, but sometimes their cameras can be found very cheap, and they have good autofocus. Micro 4...
by countofmc
Wed Aug 13, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2110

Re: Renting forever: financial suicide?

OP here, thanks for all the great posts. Surprised nobody has mentioned the earthquake risk in the Bay Area. It's not a big factor for me, but it also is something that's on the back of my mind. Another big earthquake hitting this area is a question of when, not if. And honestly that has stopped me ...
by countofmc
Wed Aug 13, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11071

Re: Renting forever: financial suicide?

My aunt was a lifelong renter in Southern California until about age 60. As she was thinking about retiring, she was afraid of all the unexpected rent increases and what she would have to pay for rent 10, 20, 30 years down the road. We helped her locate a condo near us and she bought it, knowing he...
by countofmc
Mon Aug 11, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11071

Re: Help with massive debt repayment

I'll cut across the grain here a bit. At those interest rates, I personally wouldn't be in a hurry to pay off ANY of those loans. I'd invest the extra in a Roth IRA (or non-deductible if your income is too high), I-Bonds, etc., and just keep making minimums on those loans.
by countofmc
Mon Aug 11, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with massive debt repayment
Replies: 27
Views: 2731

Renting forever: financial suicide?

My wife and I are DINK, early 30s, living in the SF Bay Area. In terms of saving, debt, retirement, etc, we feel like we are finally on a good path. However, the one missing component is the purchase of a home. We both make fairly modest salaries for this area, and simply cannot afford to buy unless...
by countofmc
Mon Aug 11, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11071

Re: Relative needs mortgage assistance: good resources?

I'll also ask if anyone has info on whether my grandfather might have traditional refinancing options. His income is quite low right now and that seems to be the problem, but it's erratic and has been higher in the past.
by countofmc
Sat Aug 09, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relative needs mortgage assistance: good resources?
Replies: 1
Views: 291

Relative needs mortgage assistance: good resources?

My grandfather is an immigrant that speaks limited English, so I'm helping him out with this issue he's run into recently. He purchased his home about 15 years ago, so the home itself is worth a decent amount more than he owes on it. However, he is a business owner and lately the business has entere...
by countofmc
Thu Aug 07, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relative needs mortgage assistance: good resources?
Replies: 1
Views: 291

Re: Lexus ES 350 versus Hyundai Genesis

cannondale wrote:That's one hell of a deal you got on that lexus!


2008 was the start of the slowdown in auto sales that I don't think recovered until about 2011-2012. I was also in the market for a used Lexus during that time, and the deals were quite good.
by countofmc
Thu Aug 07, 2014 3:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Lexus ES 350 versus Hyundai Genesis
Replies: 18
Views: 3524
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