Search found 276 matches

by ssquared87
Thu Jul 30, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: look for car suggestions
Replies: 24
Views: 999

Re: look for car suggestions

First, since you don't drive much and you don't have much mileage on your car, I'd wait it out until you get to the PNW. I just moved here 3 months ago from the East Coast and some things are exactly as I expected and others aren't. In Seattle at least, the Tesla Model S is extremely popular as are ...
by ssquared87
Thu Jul 30, 2015 1:15 am
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 13
Views: 815

Re: MacBook Air losing power

Mine is 2.5 years old and the battery is shot. I'll charge it up fully use it for half an hour then leave it for a day. When i come back to it the battery is completely drained.

This is normal though. Laptop batteries tend to last 2-4 years depending on usage
by ssquared87
Wed Jul 29, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: CFA Exam Results
Replies: 16
Views: 1546

Re: CFA Exam Results

Congrats! Its quite an accomplishment.

I had started out working on level 1, but my career took a turn away from finance so I never sat for the tests. That said, the material was definitely a challenge and I've heard from some people that Level 2 is hardest so you've past the stumbling block
by ssquared87
Wed Jul 29, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD (Vehicle)

Thanks for this! The edmunds article was particularly insightful. Interestingly my experience was the opposite but then again - I'm comparing a RWD car from 15 years ago (with snow tires) to an AWD car from today. No problem just want everyone to be safe. The thing with RWD cars is that it is highl...
by ssquared87
Wed Jul 29, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD (Vehicle)

I am confident saying that an AWD car with all-season tires would beat a FWD car with winter tires in acceleration, and the opposite would be true of braking. Cornering and handling, I'm less certain, though I think it might be close, and would likely depend on many factors. You may be confident bu...
by ssquared87
Wed Jul 29, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD (Vehicle)

I am confident saying that an AWD car with all-season tires would beat a FWD car with winter tires in acceleration, and the opposite would be true of braking. Cornering and handling, I'm less certain, though I think it might be close, and would likely depend on many factors. You may be confident bu...
by ssquared87
Wed Jul 29, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD (Vehicle)

Well this subject is about beaten to death now so I will ask about tire replacement on an AWD vehicle. If one or two of the tires wear abnormally for any reason do you have to replace all four tires instead of just the two requiring replacement? Potentially. If the tires were new, then probably you...
by ssquared87
Wed Jul 29, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD (Vehicle)

I am confident saying that an AWD car with all-season tires would beat a FWD car with winter tires in acceleration, and the opposite would be true of braking. Cornering and handling, I'm less certain, though I think it might be close, and would likely depend on many factors. You may be confident bu...
by ssquared87
Mon Jul 27, 2015 11:43 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD (Vehicle)

shanefairman wrote:Tire are far more important than FWD vs AWD. Just get a good set of winter tires. I highly recommend Nokian
Hakkapeliitta R2.


+2 Nokians are the best, far better than Blizzak or any other snow tire
by ssquared87
Mon Jul 27, 2015 11:41 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD (Vehicle)

I have never had a problem stopping in the winter. My secret...put the transmission into neutral when I sense there is slippery conditions and I am needing to stop. Taking the car out of drive is a dramatic method to stop quickly, safely, and without sliding. You've probably never had a problem sto...
by ssquared87
Mon Jul 27, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 2308

Re: New Car - Cash or Finance?

It is about time to replace my wife's 2002 Odyssey. It could go longer, but I told her I would if she would relocate to Colorado for my retirement :) I can easily pay cash for a Toyota Highlander or Honda Pilot, but I notice that Alliant FCU, where I bank, has auto loan interest as low as 1.9%. I h...
by ssquared87
Mon Jul 27, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD

I've noticed a HUGE difference in the FWD cars I've had/driven (even those with ALB and Traction-Control) and the AWD car (Subaru Outback) I drive now. I feel much more confident in driving in snow with uncleared roads. Its night-and-day between the slip-and-slide I used to experience and what I ex...
by ssquared87
Mon Jul 27, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 72
Views: 2969

Re: FWD vs AWD

Tires are more important than the FWD/AWD/RWD question. No matter which option you choose, you need winter tires in the snow. Yes, many people will say all seasons + AWD is fine in the snow. While that may be true if you're just thinking about getting the car moving, AWD does nothing at all to bring...
by ssquared87
Sat Jul 25, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Hackers Remotely Kill a Jeep on the Highway: 1.4M Jeeps recalled
Replies: 3
Views: 971

Hackers Remotely Kill a Jeep on the Highway: 1.4M Jeeps recalled

Wired has run an article where they were able to remotely hack into a Jeep and control pretty much everything, from the radio to the steering and braking. http://www.wired.com/2015/07/hackers-remotely-kill-jeep-highway/ While cars have been hacked in the past, computers were connected directly to th...
by ssquared87
Sun Jul 19, 2015 1:46 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7217

Re: honda civic or Prius?

Best of a Civic Si and a Prius all in one? CR-Z with a 6 speed manual. I drove one and loved it. I need to keep the practicality of a 4 seater so have moved over to used Mazda 3's but I loved the CR-Z that I test drove. OP, have you looked at the Mazda 3? My dad was considering one so I've test dri...
by ssquared87
Sun Jul 19, 2015 1:38 am
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7217

Re: honda civic or Prius?

Clearly you prefer the style of the Honda. If everything else about the two cars were the same in your mind, then why are you asking? Is there anything about the Prius that you prefer over the Honda? I'm guessing it's probably the slight efficiency advantage of the Prius but everything else on the h...
by ssquared87
Thu Jul 16, 2015 3:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle (Eastside) meetup Sunday July 19
Replies: 4
Views: 740

Re: Seattle (Eastside) meetup Sunday July 19

Thanks for setting this up Sam.

Would love to join but will be away this weekend. Be sure to keep us posted when you decide where the next one will be!
by ssquared87
Thu Jul 16, 2015 2:43 pm
Forum: Personal Consumer Issues
Topic: '13 Kia Sorento vs '15 Toyota Highlander
Replies: 19
Views: 1350

Re: '13 Kia Sorento vs '15 Toyota Highlander

Check out the Mazda CX-9. It meets your criteria. The highlander is a good car also, it will come down to a matter of preference. Toyota's reputation for quality is overblown. 30 years ago it was impressive, now most Japanese manufacturers are at the same level if not higher, so don't let that be th...
by ssquared87
Thu Jul 16, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7526

Re: Are you going to shop on Prime Day?

The "sale" prices were poor and the wares uninteresting. Although Amazon is convenient and I certainly use it, it's "sale" prices are a bit of a joke. JT For the most part I agree, but they did have shoes at 30% off. I needed new hiking boots, but didn't get them because I haven...
by ssquared87
Thu Jul 16, 2015 12:58 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

You financed a phone? I thought a bike was bad. Would you finance a pack of gum? I mean, I get why someone might carry a 3% mortgage or a 1% car loan for a while. But a $200 phone? I mean, what are you making on that arbitrage, $2 a year? Who cares if it's only $2 difference, if it takes no effort ...
by ssquared87
Wed Jul 15, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3904

Re: Are the more expensive bikes worth paying for?

This is getting way off-tangent, but I would love to have titanium frame with the same geometry as what I have now. So have one made. There are plenty of bike builders out there that would be happy to accommodate you. All it takes is money. :beer Have a look at http://www.sevencycles.com. For highe...
by ssquared87
Wed Jul 15, 2015 8:20 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3904

Re: Are the more expensive bikes worth paying for?

I've read through a bunch of posts not sure if anyone mentioned it, but how long are your usual rides? Hybrid bikes are awesome for riding around town, commuting , short rides and going on different types of terrain. Over longer distances (15 miles or so) they become uncomfortable. Some people can g...
by ssquared87
Wed Jul 15, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

His bike is financed at 0%. Why wouldn't you use somebody's money for that? We switched from Sprint to T-Mobile last year and had to buy all new phones because Sprint phones don't have a removable SIM. The price of phones was the same whether we purchased them that day or paid for them over 24 mont...
by ssquared87
Wed Jul 15, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5652

Re: The " Corolla" investment....

Congrats thats awesome!

I am a bit of a car guy and biased towards BMW, but have the same mentality. I get pleasure out of driving the car until its dead knowing that I'm not wasting money buying something new every 3 years.
by ssquared87
Tue Jul 14, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7526

Re: Are you going to shop on Prime Day?

I've been thinking about some PC gear, particularly a monitor that Amazon has for $300. May jump on it if it's a good deal, although a similar monitor used on eBay is like $215 so I was leaning towards that
by ssquared87
Tue Jul 14, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

I'd suggest getting a motorcycle. I was 50 years old when I took the beginning rider course offered my the Motorcycle Safety Foundation. I the 25 years since then I've accumulated nearly a quarter million miles. You like skiing you say. Riding a motorcycle gives you that experience and control of s...
by ssquared87
Sun Jul 12, 2015 12:23 am
Forum: Personal Consumer Issues
Topic: What about the Ford Edge?
Replies: 47
Views: 3359

Re: What about the Ford Edge?

Anyone who has seen my posts knows I'm a fan of sporty european cars. I personally don't have a Ford, but of all the "American" manufacturers, I find their products to be the most appealing and well thought out. The have been producing some seriously fun cars that give VW, Subaru and BMW a...
by ssquared87
Sat Jul 11, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: An email to my employer I almost sent, but then deleted
Replies: 26
Views: 3994

Re: An email to my employer I almost sent, but then deleted

Perhaps having some conversations with your coworkers and educating them about the pros and cons of the current plan would help you garner support if you truly wanted to make a change. Then you would be in a position to propose better options without seeming like you are just being negative. I don't...
by ssquared87
Sat Jul 11, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

It seems the Porsche is going in the same direction as BMW with the turbo 4 and given my experience with the M, I don't really think I'd like it. I'm sure it will be faster, more efficient and better electronics, but I really don't care about any of that stuff in a fun car. I just want it to be fun...
by ssquared87
Fri Jul 10, 2015 11:48 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

Any thoughts about the value of used cayman 981.1 3-5 years from now? I am concerned that values may hold steady since enthusiasts will likely prefer the N/A engines in the current model over the turbo 4 in the new model. If that's the case would I save much buying used? Don't worry about that - no...
by ssquared87
Fri Jul 10, 2015 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Buying home outright vs. Investing and renting
Replies: 20
Views: 1327

Re: Buying home outright vs. Investing and renting

There is generally a limit on the total 401k contributions per year, and you are already putting in 16k/yr. Are you sure that you can put that much more in? (You are a regular employee?) You *do* want to make sure you get the full "match". Let us know how the matching rules are at your em...
by ssquared87
Fri Jul 10, 2015 2:30 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7167

Re: No dipstick on a new Audi engine!?!!

That's really not unique to BMW, most cars do that now days, it's called a variable voltage alternator, and the charging output is controlled by the vehicle's ecu. Essentially it cuts back on charging current supplied during idle and acceleration, and maximizes it when coasting or braking, the unde...
by ssquared87
Fri Jul 10, 2015 2:03 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

If all you are doing is a few HPDEs a year, you are not looking for a "track car", you are looking for a street car that you take to the track for some laps once in awhile. If you want to actually race, then I would first consider the Miata as previously suggested as that is one of the le...
by ssquared87
Fri Jul 10, 2015 1:57 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

delete
by ssquared87
Thu Jul 09, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: New car vs. "pre-owned certified" (both somewhat frequently)
Replies: 28
Views: 1659

Re: New car vs. "pre-owned certified" (both somewhat frequently)

I recommend reading the fine print on what the CPO warranty covers. It was pointed out here on Bogleheads that the BMW CPO warranty has a full page of what is not covered. I'm not a mechanic, but I can't think of much that *is* covered after reading through the list. Interesting. Bacchus01 mentione...
by ssquared87
Thu Jul 09, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: New car vs. "pre-owned certified" (both somewhat frequently)
Replies: 28
Views: 1659

Re: New car vs. "pre-owned certified" (both somewhat frequently)

Also, you must consider if you are financing the difference in interest rate, which would obviously be lower on a new car. Some places had 0% interest for CPO cars for qualified buyers, so I'm not sure there is a difference in financing anymore. Besides the interest rates, sometimes they offer ince...
by ssquared87
Thu Jul 09, 2015 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Large interest-free loan
Replies: 17
Views: 1254

Re: Large interest-free loan

I'd lean towards taking the money and investing with some caveats: If the market tanked and you lost 50%, would you be able to make the monthly payments or pay back the money whenever it was due? Would you have to pay back in full when you leave your employer? Otherwise, yeah, I've always been a fan...
by ssquared87
Thu Jul 09, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7167

Re: No dipstick on a new Audi engine!?!!

Let's not get into this "generation" stuff , there are individuals of all generations that can solve problems and utilize the internet to help in that process ; my only point is that cars like many others things have become more sophisticated and require the DIYer to do a little more legw...
by ssquared87
Thu Jul 09, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7167

Re: No dipstick on a new Audi engine!?!!

You can not even change a battery on a new BMW anymore without visiting the dealer. Completely untrue. You can indeed change the battery but you have to know how to register it with the computer. It requires a $20 cable to connect your iphone/droid to the car and an app that you can download for a ...
by ssquared87
Wed Jul 08, 2015 10:43 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7167

Re: No dipstick on a new Audi engine!?!!

Actually it is true for many people , we also have a BMW and there was a detailed description with pics on how to do it on the Bimmerfest forum not too long ago but it's a far cry from the days when you rolled your car up on a couple of lifters, unscrewed the pan bolt, drain, take off & replace...
by ssquared87
Wed Jul 08, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7167

Re: No dipstick on a new Audi engine!?!!

Dipsitcks have become a luxury that luxury cars no longer posses Along with spare tires... Sadly most of these cars come with run flat tires and no room for a spare. I switched out my run flats for normal summer tires and the ride is better, handling improved and car is much quieter. Carry a can of...
by ssquared87
Wed Jul 08, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7167

Re: No dipstick on a new Audi engine!?!!

Not sure why high-priced vehicles would be doing so. I haven't read the article, yet. Might be a perfectly valid reason the vehicles use oil between changes. Broken Man 1999 From what I understand the main reason for this is that the BMW has a long oil change interval - non turbo BMWs have about a ...
by ssquared87
Wed Jul 08, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: No dipstick on a new Audi engine!?!!
Replies: 73
Views: 7167

Re: No dipstick on a new Audi engine!?!!

Bmw has done this for a while....means more specialized (restrictive) means of changing ones oil. Very sad. Not true at all. I have a BMW and have changed my own oil, it is not different than any other car other than having to go into the computer's menus and reset the oil gauge which requires no s...
by ssquared87
Wed Jul 08, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

nanoanalyzer wrote:OP, why you should not spend $70K on a Porsche:
The E36M3 exists.

Also, the C5Z06 exists.

Also, an E86, whether M or 3.0SI, asks your wallet for much less and provides the same thrills as a 987 or 981.


I like the way you think!
by ssquared87
Wed Jul 08, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14801

Re: Convince me not to buy Porsche

You got a six figre salary and you are only saving two grand a month. I'm saving $2k a month in taxable on top of $1,500/month in 401K, $275/month in HSA and $458/month in Roth IRA So in total I'm saving about $4300 a month. I also tend to save most of my annual bonus, but I didn't include that in ...
by ssquared87
Tue Jul 07, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: Mobile Phone SIM to use in Austria/Switzerland
Replies: 6
Views: 562

Re: Mobile Phone SIM to use in Austria/Switzerland

T Mobile has relatively inexpensive international roaming that covers Austria and Switzerland. Data and texting have no additional charges; voice calls are 20 cents a minute. You can use any unlocked phone which handles the frequencies in Austria and Switzerland; just put the T Mobile SIM card in i...
by ssquared87
Tue Jul 07, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: $100 k for a MBA, worth it ?
Replies: 20
Views: 3281

Re: $100 k for a MBA, worth it ?

Thats a question I have been asking myself for sometime and trying to decide if I should do a MBA (top 20 school that is near where I live) and why I should do a MBA. There have been colleagues that have done a MBA and have received multiple promotions since then and career growth. Now a little bit...
by ssquared87
Tue Jul 07, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9168

Re: What age did you become debt free and what opportunities did it create?

A 2.875% interest mortgage, after the tax deduction and inflation is basically a zero (or sub-zero) rate loan. Over 30 years, if you don't think you'll do better in the market with that money, then there is no reason to ever invest at all.. Then I'll ask why do banks even offer these loans? Why don...
by ssquared87
Tue Jul 07, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9168

Re: What age did you become debt free and what opportunities did it create?

28 and almost there. I bought a road bike last year, had the cash to pay but ended up financing it for 0% for 12 months. Just made my last payment last week and it felt great! The extra $425 I'll have every month will be going towards investments. Still have 3 years and $18k left on my car. Again, h...

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